# LA SALLE STATE BANK
LA SALLE, IL · FDIC certificate 12410 · 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 | $183.2M | |
| Deposits | $155.9M | |
| Loans and leases | $85.7M | |
| Total equity | $10.8M | |
| Loans / deposits | 54.30% (p24 of band) | 73.59% |
| Liquid assets / assets | 50.28% (p78 of band) | |
| Uninsured deposits / deposits | 19.42% (p49 of band) | 19.81% |
| Brokered deposits | 1.77% | |
| Wholesale funding | 10.41% (p85 of band) | |
| FHLB advances / assets | 3.90% | |
| Tier 1 leverage | 8.91% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -57.25% (p5 of band) | -6.57% |
| AOCI / equity | -5.50% (p1 of band) | |
| ROA (annualized) | 0.56% (p19 of band) | 1.17% |
| Net interest margin | 2.87% (p9 of band) | 3.93% |
| Efficiency ratio | 80.94% (p80 of band) | |
| Noncurrent loans | 0.16% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 824.63% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 12.32% (p42 of band) | |
| Auto loans | $1.9M (2.26% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $3.0M (28% of equity) (p100 of band) | |
| Deposits YoY | -0.8% | |
| 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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 2 | capital falling | wholesale funding >15% |
| 2012-03 | 2 | losing money | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling, losing money |
| 2012-09 | 1 | wholesale funding >15% |  |
| 2012-12 | 0 |  | wholesale funding >15% |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | wholesale funding >15% |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | wholesale funding >15% |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | wholesale funding >15%, capital falling |
| 2015-03 | 1 | wholesale funding >15% |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 2 | uninsured deposits leaving |  |
| 2016-09 | 2 | capital falling | uninsured deposits leaving |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 3 | deposits shrinking |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | assets shrinking |  |
| 2019-12 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | reserve under noncurrent |  |
| 2021-06 | 4 | noncurrent p90 |  |
| 2021-09 | 3 |  | noncurrent p90 |
| 2021-12 | 1 |  | capital falling, reserve under noncurrent |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 5 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking | assets shrinking, noncurrent p90, reserve under noncurrent |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | deposits shrinking, AOCI drag >20% of equity |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 2 |  | wholesale funding >15% |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 4 | expense ratio p90 |  |
| 2025-03 | 2 |  | NIM <2.5%, expense ratio p90 |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 1 |  | reserve under noncurrent |

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

- 2026-01-15 [How Fannie Mae and Freddie Mac could push mortgage rates lower — at least temporarily - marketplace.org](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaXNwSXgzOUJZcDdGelVLbUNra2JpYXJYb1JEWl9HWUJwRi1yUURteDJDZjNuV2oyT2hiZVFsRnNfMUpBRUdBVTFTSWJBdUxFTkZjbG9mTUtfbkhvM0RNN1hsMGRKaHF0NFZRank4ODFCUkdhVHdycmtueFV5Skh0Nmo4SG5sWlVvbk9mUm92am5LcTdhRlppMXhHaUtLUFdfYVhjS0tzUjk?oc=5) · marketplace.org
- 2023-07-26 [Justin Miller named vice president, CFO of La Salle State Bank - Shaw Local](https://news.google.com/rss/articles/CBMiugFBVV95cUxOay1NLXRzRlc2bDBwNk5veVpnSThqeW5FSVREZWQ4Rk90YlpVckNkaTl2UnJZWTE3dmUyYXpjTThqX1N0LWNGLTdSTDZwcXU0Rk16WXF0Z2NKVkFKS1Q5ZUZ4YlpyR2kwMm9fb0FVR0xPZHN6bS1ldUR1SjZQdDNTS2NYQWVEdWY4RElXVjVvS3BCdmxxNHRHM0haQTF1RkpRUE5BemdMNnRNRTEtV201MGwwT0JhZEtGN2c?oc=5) · Shaw Local
- 2025-03-31 [MONDAY UPDATE: Man loses life in faceoff with La Salle Police Sunday | 103.9 WLPO - starvedrock.media](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQX1pxajJKVG9GU0g5RE9QeWZ3Z3JhTEctZWk4b1J3TlhwRWFxZFcwME9tcVpTTmppMlpOblRZVVhudFl4Nl9obXVnVXhqMjgzSUFXRDlDR2htek1NUUo5blo0M21ud2pjWmNFc0V2OVdBMjNESlBWMjQwOXJYSTdiS0hqUU9lMGVmSmZmeXduY296VV96UHdFaTJLOVJEc2E4amhGNWZuT3R6MG5xWG9ROHJXODMzUERkQ3dkSER0bTlwaXJnTGxaUTdwU0VoM3EwUk5KSmlfck1lR0lSM3RfV3NjczliNVU?oc=5) · starvedrock.media
- 2025-07-28 [Amid high interest rates, borrowers and lenders are cautious — but not cowed - marketplace.org](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOcjZtY2cyM2RyVFpTYl9vSXRobV9CX1M2R1FIcl9IZ2pfS28tVWxZcy1vRXBfQmlSNHpKUDlvc3VjZDFNaTRGMmZ3dTA4U3Zwb0s3elU4cmJyWVJEdTNUd0Vhblp6a2VSSl9rbEowcS1EaVp3dUV1MDZDajFraDJlc1ZUNl9yY1g0clF5TnRSWDM5dHk4NnhTUktlUndhUzJnUVJrQ2UteXo?oc=5) · marketplace.org
- 2023-11-09 [Daniel Lawler Obituary (1933 - 2023) - Lasalle, IL - News Tribune - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQeUR2YnlBbTNLVG92ODRQTXZQTHdQUE9ub3R6T0djOXdwai1VXzJqZmlHLUhvZFdCMnJ0WXduczRlaHRyNnlQd0I1eEt0Vzk3UXpRUkRxTTBTOHlBMHdqcEt1ZzZiR2J2bzJKdTUxejlycDdkM2lKa0d4cEtzMzJBVlEwdUtCMGljMDJsVHFn?oc=5) · legacy.com
- 2025-03-21 [Spring Valley man gets probation for trying to defraud bank - Shaw Local](https://news.google.com/rss/articles/CBMiswFBVV95cUxNdVRQYjhfTzZsRV9GZ1dMNWN1WmxRdXZack45bEpfQXlLdUVjZ0ZLOXJZOXlocWFGZ0JCNGY4cmFHYmNkTHBPQ3JPTUkzN0FqTHRpWWQ3aU5aa2d2UHJvUEFIeWpqZ0kyb1lDWWlVVVhGREtaZTVyRC14SDVVLWlwSUZCNi1YbnZ2ZzQ2NnFKWDkwZERWNTZqUkc4M0piWW9VQUV5a0I1Q1ZfUGgwdWNPVzVDVQ?oc=5) · Shaw Local
- 2024-12-12 [New regulations will limit bank overdraft fees. Many banks have already done so. - marketplace.org](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQVGNnR0dMMV82aFhIT2l1TnUxWWl4LUxGSVIyZnNoN1hzME1UcGtxUVJnX1NEZXJfanhCVWgtV1NTYWFuOGFoM3NpU0UxcEFOMTA0dTZ3dmZTNXJsS3Nkb0dZZmpmQmhiczRMLWg3clpCQlpuVWNWRmthWXNSOUY0YXpWdllia3VIR1NEOTFTRlB5X2EwMEZNSE9Ed041WWt3R2hwbnF3VVkyTDJ1OEx1ei00NmZlYy1TMDdfMTJnclM?oc=5) · marketplace.org
- 2025-03-06 [IVAC names 40 Under Forty - starvedrock.media](https://news.google.com/rss/articles/CBMirwFBVV95cUxPODhsZ0gzMDBrYnV0YlVVNGNSY0RBM2VYN1h4eGp2MVV4MGMxVXg3a2x3dDdTRkVQZTltTDhLd2t2QXA2d0JWMkxYRGhkUU9qUm5md3RXUk1xSnJDRkQxc3NSdXVXMFBMbEpjNS1GNHBHZ3RRclF1cEJkWXAyZ3VieWR0STVTbXpjZGZEWjlBNi1PWVBXRzBPRmtid2Z5V2k2ZVZ0RnZFUWl1Mk1GYk1R?oc=5) · starvedrock.media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12410 (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/58.json (key "12410", 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