# STATE BANK OF SAUNEMIN
SAUNEMIN, IL · FDIC certificate 12391 · asset band <$300M · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $43.8M | |
| Deposits | $38.9M | |
| Loans and leases | $19.2M | |
| Total equity | $4.9M | |
| Loans / deposits | 48.80% (p27 of band) | 61.86% |
| Liquid assets / assets | 55.24% (p75 of band) | |
| Uninsured deposits / deposits | 20.50% (p53 of band) | 19.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.41% (p63 of band) | 10.43% |
| Unrealized securities loss / equity | 1.52% (p79 of band) | 0.00% |
| AOCI / equity | -3.98% (p27 of band) | |
| ROA (annualized) | 0.96% (p50 of band) | 0.96% |
| Net interest margin | 2.36% (p13 of band) | 3.26% |
| Efficiency ratio | 66.75% (p44 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.28% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 47% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $689,000 (3.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.6% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | AOCI drag >20% of equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 0 |  | deposits shrinking |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | uninsured deposits leaving | capital falling |
| 2021-03 | 1 | NIM <2.5% | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |

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

- 2011-06-08 [A century of service - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZEV3WnZvcmZnMlBpQ0hzd0trWWZHYnpmMmR1czVxeFl2aXB5Uk5kcm1NT2czRTZlUU02Q0ZnT0FJV2lmaFA1WktoNndpVm05aTgybE1vc19sWlF2amJxM2wxUEpOZFJ4OFhfUmZJalhLdHgxY3NXck14bTFjcFpOOG1IaFFhMXpjUWV4UFc2OHM?oc=5) · Pontiac Daily Leader
- 2026-05-28 [Mary Kay Kates Obituary - - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMiaEFVX3lxTFB5OWtQWTNoV0FfV19UQ3NvWEw3ZGZDV1o0UmExWVAwTndrVDNHN2ZKZXBrQVgtZHdxMFRlUVpMV045ZW0yZkVrc2UtVzlDS2g2MjR4U01JYkFsRm5wQlFaNENtaU85bmRV?oc=5) · Pontiac Daily Leader
- 2014-11-15 [Duffy is 2015 winner of ATHENA Award - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMingFBVV95cUxPMURhdGJZWlBqaVdhZm5DVU1YS0I5b0FsTkhXZUJYMzhIRHpsdV94UDR3VGpMR0ZfSEdDUlNtUXRXYTJ4N0NOQ19adGxUQ1dVdEdLei13dWpYc00wU1FQV1hENjNkQTVsem9xWlNqdmxSS0NfdmhMSmJjM0xBczl3Wmp4eFhIWFBsbjhnU3FKRW8wNzNoQmp4TjBsQnZ5Zw?oc=5) · Pontiac Daily Leader
- 2011-11-01 [2 area sisters, 2 others leave lasting legacy - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMimAFBVV95cUxPb3BTSjladFB0SjFVd1VjZ2lGbzF3c2NwbFZwWVpORlBfb3hwRlJ2YkJSWG1SRW9KMFBqOHdDTVBVb0JNeGRiVUNraUNkR2x0dmJPZWNMQ0s0Z1FjcXpjWDkyX19tUWNzVURibDRybzh1aU1NdldTWkxKSnM1SkZmZFIwdEdlcE5nZmhraVFmQjJUODFNWVppQg?oc=5) · Pontiac Daily Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12391 (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/39.json (key "12391", 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