# LENA STATE BANK
LENA, IL · FDIC certificate 12395 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $97.4M | |
| Deposits | $80.0M | |
| Loans and leases | $64.2M | |
| Total equity | $9.6M | |
| Loans / deposits | 79.14% (p65 of band) | 70.65% |
| Liquid assets / assets | 29.68% (p39 of band) | |
| Uninsured deposits / deposits | 13.44% (p27 of band) | 19.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.16% (p74 of band) | |
| FHLB advances / assets | 4.11% | |
| Tier 1 leverage | 11.97% (p55 of band) | 11.50% |
| Unrealized securities loss / equity | -35.62% (p20 of band) | -11.46% |
| AOCI / equity | 3.30% (p77 of band) | |
| ROA (annualized) | 0.88% (p43 of band) | 1.00% |
| Net interest margin | 2.89% (p18 of band) | 3.68% |
| Efficiency ratio | 60.72% (p30 of band) | |
| Noncurrent loans | 0.52% (p62 of band) | 0.28% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 241.02% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 15.23% (p46 of band) | |
| Auto loans | $316,000 (0.49% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $240,000 (2% of equity) (p97 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | deposits shrinking |  |
| 2017-06 | 0 |  | deposits shrinking |
| 2017-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 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 | 2 | capital falling, charge-offs p90 |  |
| 2020-12 | 0 |  | capital falling, charge-offs p90 |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | NIM <2.5% |
| 2021-12 | 1 | NIM <2.5% |  |
| 2022-03 | 0 |  | NIM <2.5% |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 |  |
| 2022-09 | 2 |  | capital falling, noncurrent p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | deposits shrinking, uninsured deposits leaving |  |

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

- 2025-11-02 [Carol E. Stich Wilber Obituary Nov 2, 2025 - Leamon Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5XNmFGeVppRGZYTU9yaVZ2bV9sWVV0YmhtTzcxVmRwaXZGR2xMOXR5RkgxeWtVOUZzNmhuek1EWkUtcmNtcFhUR19pbHFfNS10SHp6cWxLYXFYTlo4ZkJLV1g3UDg?oc=5) · Leamon Funeral Homes
- 2013-11-02 [Another look back at the Lena legacy - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMipgFBVV95cUxPczZsdnJscktYXzVUVDA1UEpHR0UyTTBfckgzN25aYVYzcERlMmhVTlFyUUNNMkUzT2E3QVVjMEF4MmZUcEszTkpOc3U5VFF2RGdJNmZhQkYxeHp4MUVvcHBiSG9wZldXeTBkbmMyZTBYMlJqMklpbENuWkR6T1VfenhxaGhOYl9wWFpoLWpjVS03MXBaajlkUXdmU2ZJdlc0LW1DTVd3?oc=5) · Freeport Journal-Standard
- 2025-09-28 [Jean A. Breit Obituary Sep 28, 2025 - Leamon Funeral Homes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE8yTDZKXzFWWDVrcU5MUjZuOEdKM1Y2ZzJHLTJiXzlvX3pMYnM1V1p2eW1oT3pjYTdEWW0zcDdqSUpYdUZyLWdkT3lLM1RfTXZBY080Z1ZYYk0xUQ?oc=5) · Leamon Funeral Homes
- 2025-02-28 [Mary Price Obituary - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9yYmZwbktkWS1YWDFoRzlnVF9IVFJtS2lXcGF4b3pDemtXRzdmLTBIdXh6dE9yNUhKMXFTbl96WjNJdUpBdll0clpXMEh2djJLWWJsR3pib1BFbUxwQ1g5Vi1jc3I?oc=5) · Freeport Journal-Standard
- 2020-11-04 [Ben Mayer Obituary (1930 - 2020) - Lena, IL - The Freeport Journal Standard - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQMFNRUXRTNmN4djBqNWV2QlF0TVl3Y0hWZ0NaUy1naEFzSzV2QWlfalpvNGZpb2liTl84NXFNR3g2X1hxRjVvb1NDOWZSQUg5SWJPUi1fLUNNSkRIckxtOTJfQTliWXJ1emdVX0JweEQ1NlppeDQya2xRQmJtMEUzR0FUeFVrbGdGRTJfNzE3S3g?oc=5) · legacy.com
- 2010-02-10 [Finances under fire: Lena Park District responds to mounting budget concerns - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMinAFBVV95cUxNT3JsUFFSbHIzNnNyUWREY3VOWVVUZkN0Z1dGNGVKMGYtQnlNTHQ4Skt1TkRLNVp3czVKY2U3MURlcDdoVzJjZ0M3OGRwdmIyS3dqQUFZMXJybnhuNFFkYmdGSlRFckJxWlcwYXdCd2x2WFA3NVNjNUV2YWFzNjlrVTVpd0VDWGVZOE9XS3ppb1BGbkx0YUVQOFRjbXk?oc=5) · Freeport Journal-Standard
- 2021-10-16 [Marvin Phillips Obituary (1930 - 2019) - Freeport, IL - The Freeport Journal Standard - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVXhQaWVnYVlrMzRFaW5fX285MGtjZ1U2b2o3OGxjaUZ2d1hBXzhoNEMySHgtLUUyNmtST0tjeWtMSDhVQ3Y3WGNGR29VMG5PWGRUQXRMN3J2Z2tHN1pWeThrbjVwUWlkQVdEWWZSOUZzc2xHam9UMngzajJ6ZFA4MHBpUTJUaG1jOTRpTG9BOVI2Y05mWVROdFlR?oc=5) · legacy.com
- 2010-08-25 [Lena Illini Girls State delegates - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPVEtVMEc4dXVmbF9ISFJ5a09jNm0zMlgxZFhDYnNRbERXQ282N3M4QVlBeUhldWJEY1ZzRm5DTkdQMDZibUhaV1VJYzcwRnluVm1YZmhQd0M3cDlJcERYMUpXN0FCS3h0MzUtQmRxaG1Id1JVYjIyZElpcGIyTnc1cWpKR2ZCdmdLR1JVTFlPRXVZTFdILVZiSkR0aURILUlkVGtQLTh3a25wZw?oc=5) · Freeport Journal-Standard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12395 (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/43.json (key "12395", 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.

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