# JERSEY STATE BANK
JERSEYVILLE, IL · FDIC certificate 12384 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $190.1M | |
| Deposits | $167.5M | |
| Loans and leases | $97.2M | |
| Total equity | $21.0M | |
| Loans / deposits | 57.20% (p27 of band) | 73.59% |
| Liquid assets / assets | 44.52% (p71 of band) | |
| Uninsured deposits / deposits | 7.74% (p8 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.30% (p66 of band) | 11.76% |
| Unrealized securities loss / equity | -32.72% (p12 of band) | -6.57% |
| AOCI / equity | -0.42% (p48 of band) | |
| ROA (annualized) | 0.83% (p31 of band) | 1.17% |
| Net interest margin | 3.08% (p15 of band) | 3.93% |
| Efficiency ratio | 69.46% (p59 of band) | |
| Noncurrent loans | 1.18% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 126.35% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 3.46% (p26 of band) | |
| Auto loans | $494,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-12 | 1 |  | capital falling, uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2019-09 | 1 | capital falling | reserve under noncurrent |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 0 |  | NIM <2.5% |
| 2021-09 | 1 | uninsured deposits leaving |  |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 2 | securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 | capital falling | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2023-12 | 2 | uninsured deposits leaving | capital falling |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2024-09 | 5 | capital falling, deposits shrinking |  |
| 2024-12 | 4 |  | deposits shrinking |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 2 |  | reserve under noncurrent |
| 2025-09 | 1 |  | uninsured deposits leaving |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-16 [Rebecca Strang on taking over as Jersey County treasurer after scandal - Alton Telegraph](https://news.google.com/rss/articles/CBMiogFBVV95cUxObVl3SjlIWTZPblliVTBXdzhRTlpaSllieWZOVTR2dFBxU0ZsQmZaMEtxdHJ2eEU4R3RHT2RhU0x5MWR0bzZSaFpQMEZacTRxREVyUkk1eHF6QnB5SDNQRWpKemNJcEtDaXlmdVA0YUgtMnZjbjNKWFV3cUdiZkVsZktJLTk2UWFvMlhLZmxPS3VwRjBnUmpYNXp6bnB4X2NLNUE?oc=5) · Alton Telegraph
- 2014-12-29 [Jersey State Bank announces new Director, Officers promoted - RiverBender.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMUFRWW1SWXhEckR3YTVqTGFDUTlLN3A2Zk9QYWJ4NUxvWTZEVEpzbDZyRlVsT3NHdWN2WnBGTGl1dXh6eWdoUThIVVN5RzBuazlRcUlJel9QQnYtZVBmYWNEa2JTbkpRNENBT3lHTXpxZDRIYURuSkpoZks0UXYyRkZuYTgzUV9rZUxMWFgyTWJzdmU4VmRFM1Zpby16bVRVaFFMYXc2czRWenZE?oc=5) · RiverBender.com
- 2011-09-16 [Bank execs admit frauds totalling nearly $10 million - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMilgFBVV95cUxQU3l5bUR0blAycldydFlVeDd0a2s5YW52TlBmZkNWWk9GemxVMHM1bVpiOTZGNWRNOTEyamJMTzRUeFZqcV9PTFR2YXVEVVlBNmp6TTFhTXBrQ1F6OEFuNEZLanE0OE8taS1wWW1MRG5JZ2c2WVBQeDRHbjkxLXk5aWVWdVRBcm50UXpiRjFVa25pTGN1WFHSAZsBQVVfeXFMTk1MVXBKOWFKNUxYc19tMk1aT1hNRllaRTg0cC04a2x5R2lHVWdTbGJreUpWSmNqOEpUYV9hMi1tajZ3YXJRVHJaVFZnQkhER0F0X0NPTWl4b0FRa29WZkxpRG1xVVktOWxvWTNYUVVsTGRDZmE0YUJpSmpuU3d4WDVYZnRDdXB6SWJZeThEOXRTU1NEeE4yZkUtWEk?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2021-02-08 [Scoggins promoted at Jersey State Bank - Alton Telegraph](https://news.google.com/rss/articles/CBMimAFBVV95cUxQYjUtY2Z0OGNnMFpab3VUa2tFSGtwZHl2LTZQVnJvY2Z2R2lrTlNZeWZpaDhuMW1GWlY0RzBRZ0ppWVpJME1aZFc0STRaOHd5MzJlWkoxZ05DSHRTOF9tTUI2bDlIWi15R1Z4Q0gydFpQRnNOVGp4eHhTbFVEcnpINWg0R3Z1LTNaR0tIUjg0ckwwNnF2eFEzVg?oc=5) · Alton Telegraph
- 2021-02-08 [Jersey State Bank Promotes Cheryl Scoggins To Systems Manager Officer - RiverBender.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRFBYMXVJaFgxSElnTXJjeTZiVkRoMTAyWWQ5VEpudWZ2TXNEYmx2YmlUU1FIcVhWX3JZc2ZVVjhIZzNlQzcxZ011VGRFVWNHbVE1ZzY4NXBYeGtZMnMtSjZkRWtpeG1OczVIMzE4M2xKUnhmV2lHVE1EYWFBYkhEZlFwVDVhc1ZfZngwd0swV3RlY2lnZ3JCNloxVjR4N0FMMkhTUFVOMnlEdmxhSnlURzkteERjclBwZUVaVw?oc=5) · RiverBender.com
- 2020-09-23 [Jerseyville project gets $10,000 boost - Alton Telegraph](https://news.google.com/rss/articles/CBMilwFBVV95cUxNeEFYcUlMNnVKTkJoeUhuRDBZREVjOHJILWtWUVB5cmYwMkFXY3RMWm1WTUVSTl9hN0lOUkE0ckZkMTdfemhPUE9EdG5CYWVadzc3RzhQM3F1QmQ5X0x4OTJnR2NVdlh1dVhzdk5GQnEyRjJtX2s3eXVzbkJvOTlWeWFfZTFaUV9YbUFGd2Z3bUNQbXRWNGIw?oc=5) · Alton Telegraph
- 2019-08-29 [Jersey State Bank Announces the Continuation of Paw Power - RiverBender.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOeU85UmJ5LWVmcWJIemE0MXdaclFZT2FSaU1ad3ZkQlZhMHEybGFVTDBwNU5WRUpTOWlmenpXOThNU0dJaWplNThJcUJwcDM4WGN1U3BGUGE1V0ExSWFyWkhOc19iUG5hd250ci1MOUF2RnZLR05LU3AyOUdjVm1CMWZ6Q1NvWW1RWEtxRlBPZVhQYnQ2UVk1eXU2VWY4SjB4Sm1sbmFRUXFOS2lx?oc=5) · RiverBender.com
- 2019-12-09 [Schnelt named to post at Jersey County Bank - Alton Telegraph](https://news.google.com/rss/articles/CBMinwFBVV95cUxQR2c3TE9YRWNTeWYxRl9aNFVHdVFnZ1hmWmF0ZGRROHF2YklaNk9QYnd5eVNwWW1IakltVXVEQzBnLVJTbkFWVEpZVm1kbURpSkdiQW5tdXZwbWtSRVJuMmhEeXFXSEY0U3ZEd0F6WXY3YVpKVmhHaV96dDVRczNlZ0UwZUJOeXJ4M0tBT2RkRzZTOEs5VFBPckhSWUFyN0k?oc=5) · Alton Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12384 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "12384", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide