# STATE BANK OF TOULON
TOULON, IL · FDIC certificate 12386 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $343.4M | |
| Deposits | $298.6M | |
| Loans and leases | $222.6M | |
| Total equity | $33.4M | |
| Loans / deposits | 73.91% (p33 of band) | 82.04% |
| Liquid assets / assets | 29.75% (p63 of band) | |
| Uninsured deposits / deposits | 26.25% (p52 of band) | 25.97% |
| Brokered deposits | 0.58% | |
| Wholesale funding | 3.57% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.46% (p44 of band) | 10.81% |
| Unrealized securities loss / equity | -14.82% (p32 of band) | -8.10% |
| AOCI / equity | -1.06% (p21 of band) | |
| ROA (annualized) | 1.39% (p57 of band) | 1.28% |
| Net interest margin | 3.58% (p32 of band) | 3.91% |
| Efficiency ratio | 57.22% (p37 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 651.02% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 0.76% (p4 of band) | |
| Auto loans | $2.5M (1.11% of loans; DQ 2.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 46 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 1 | uninsured deposits leaving | deposits shrinking |
| 2015-03 | 2 | deposits shrinking |  |
| 2015-06 | 1 |  | deposits shrinking |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2016-06 | 2 |  | brokered >10% |
| 2016-09 | 3 | brokered >10% |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 1 |  | brokered >10% |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | brokered >10%, charge-offs p90 |  |
| 2018-03 | 1 |  | wholesale funding >15%, brokered >10% |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 0 |  |  |

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

- 2025-01-30 [Blunier to replace retiring SBT president, Doug Parrott - kewaneevoice.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUnpWMXNFUnE5TENmTG1GR3BfblRqM25CUGd5YU5qbjh3VkcyemtNeW9zcXRSWEh1dTZpRVJIZElGbWhrWjZyUkZ2Mlp3aGxBNlBNZmV4cEJqNGZrbm5JbVJnQ2tqY3N4dGM2VjlvbDFkUklPbkJneGx2M1NBTlotbEQ4V2hDMEU?oc=5) · kewaneevoice.com
- 2020-06-02 [3 local students win bank contest - Kewanee Star Courier](https://news.google.com/rss/articles/CBMimgFBVV95cUxORVl2VU1ZUmxZdWlEel90cWJCR3NLQ24wSG1qWGFMLVhNYkxqSzZDLWI4ZDJ3c2daUi0wZWlvbE5rS2dDQmlrOXIySEJFUXRtZV83MXA0WFlKcUZGdUo2amVqa29QWlMxV2Z5LTQyM0k5Q0l1WHNVXzUxU05vM1lsZUt4YjhWOFRaR2lTRjNXQWFsUnVzMGJXMVZR?oc=5) · Kewanee Star Courier
- 2023-06-16 [Newly-renovated SBT holds open house and anniversary celebration - kewaneevoice.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxObmJRY3ZjOTFXLVpzLVBqeUlTT2kyQ2pvdEVLTGQ4VlVGckdEWVVKQ19pTmJ5VGZSMERTb1M0Rk92TmhMUUJKTGlVXzI5dG9Ib3NxbDVJN1MzUzc0dlltZlk4VWJJLWtDUkVSWVRfYkVQLXV5bmhHVzFxY2dMa1F2NU5aazhGV28wamM5N0s0Vng3WWhI?oc=5) · kewaneevoice.com
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - androidpolice.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · androidpolice.com
- 2013-05-08 [Gerald Stapel Obituary (2013) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcVd2azBXT0RxX0VFWlJJX09oMlNqcVV2d3JBUmxSamxsNHBvczdKNzhGUGl2a25Kd1ZZamZ4MGVLd3FqVEUwMVY2LWdUMWRxbFJlcTdjYmlLcFJ0SlhXNWoteVJXenR2cWtjNGw4dFJ1TktRRDJqd2U2eWxqNjB1OTRYeHotcWdkOURF?oc=5) · legacy.com
- 2022-12-20 [KlariVis Partners with Nine Banks - 01net](https://news.google.com/rss/articles/CBMiZkFVX3lxTE95dExMWnk1M2RSTEJzcWE1RFQ3bFZuRENiYjJZT3pWdkpVd3dtUUU5c3RSQlhYVjJSREp6VWZ5bWgyZ25MZUFzZDRrbllTQzRHbVM4Rzdtd0lVVXlyVFIyQUpjbGpHZw?oc=5) · 01net
- 2014-01-08 [Kristin Keane Obituary (2014) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSjlnQU03NExIYU5GdllCWGNta1dpdERsdWtjT0NBQXNKSHpLaHFELWFYam9nX0VfcERLeXRpMzdyaGJiSTMtT0ZZdmx3eGRkZHktTDlzOGdISHlkdnphaUkwQTM3anBNOGJRQ2tVYlVhS3F0TUZqS01FTG1SdllLbUlvVU56YXg0Uy1J?oc=5) · legacy.com
- 2014-03-16 [James Clark Obituary (2014) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZnhuV280TWY0c3kzN2pFMk9tVE95cWVxUGtlRVEwaC1oRXpRMG1JZXd4Ul9tWWhxS0pIX1pJQU5DUlo3VTNKVXZiN092Nzc2Q0x4ejlKLVJnNUVIZjVQQzhfaVIyeGdzVGgzWU9abGlPR3lEYnNGM185bU96M2NkMTg1MDF5akRu?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12386 (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/34.json (key "12386", 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