# BANK OF CALHOUN COUNTY
HARDIN, IL · FDIC certificate 12549 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $99.5M | |
| Deposits | $89.7M | |
| Loans and leases | $52.7M | |
| Total equity | $9.3M | |
| Loans / deposits | 58.44% (p28 of band) | 73.59% |
| Liquid assets / assets | 44.31% (p70 of band) | |
| Uninsured deposits / deposits | 20.71% (p54 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.72% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -1.62% (p72 of band) | -6.57% |
| AOCI / equity | -1.38% (p20 of band) | |
| ROA (annualized) | 1.07% (p45 of band) | 1.17% |
| Net interest margin | 3.46% (p28 of band) | 3.93% |
| Efficiency ratio | 61.09% (p38 of band) | |
| Noncurrent loans | 0.23% (p43 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 233.06% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 2.22% (p23 of band) | |
| Auto loans | $1.4M (2.71% of loans; DQ 0.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 | capital falling | NIM <2.5% |
| 2021-09 | 2 | NIM <2.5% |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | NIM <2.5% |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | uninsured deposits leaving |  |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-17 [Calhoun County Fair 2026 - Barn in the USA - RiverBender.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9Tb3Fhc1FOckVpbmtraFV6enFkdVFYYkJLVVVDcXk2b3R3WHI5MlJwd2pNRmxQUi14UXJsZ1RlbTdVWHhnTDNnOVFfaFVoMU9tcWdxRjJQLTVVQXRtVlFFRmZEVEtMZ19EVHdaWG1n?oc=5) · RiverBender.com
- 2026-08-12 [Bank with St. Louis area presence targets northern Illinois in $204.6M deal - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQejZpa2lTSXNkUmpJTWhqNHpsd1R0YzJjbUZ2ZWlYY2RpSkxCQ3NzWVZHZHVwbU5GcEp4UG5NTFZlelpta0l2ajRhdHpyUEliSjFIRzBkREtDeUNTakdMa1ZSZ2Z4VUVPRzBtbHlaOHYwVThKUERpbmU2NHZnV3FBRkhfakpzazR4U3Q3S044RGxrU0FkczZpUE1ieklDUUFxWDJFZktMQ2NXQQ?oc=5) · The Business Journals
- 2025-02-04 [Jean Hurley Obituary (2025) - Bethalto, IL - Gress, Kallal & Schaaf Funeral Home - Hardin - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Kek42N2VnMkhiUW9raWdldEl1THl4cDJnQzNlcE1hdDRsSmRvYnJva0Y0RFEzX2JrUllJTm50R1BvQjBzTlQwZklIeHBvZjRaUnN3cTRhbzBtSnJsNWxaWEdJdWJBVGpZSWxhdmd6aVE5RTY3MUplYUNWd3lnTnM?oc=5) · legacy.com
- 2022-01-01 [One more look at some notables who passed away in 2021 - The Anniston Star](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNdktJUjMzMm9nd28zMlg1V1pLRng4NnJWWC1tNF9EVjcxVHhVNU9iR0pJSmZDWFFVaExpZUNIcXhDVnpab2I3ajZQY1NycHpDNnVOa2NQX0dQU0piRkVYa2JuZk9sUTk0WFJJUnZRWnN2S1ZFbklHcjcwUnBiTUdKWlVXbHVmeWRkWDhpNlRWU0ZnTXVDRFBqanNOTjAtel95ZUNxYVpjZlhuNk5KbmxfTkhsdlVOelhYZWxfUVZiYzBkUzRMRTY0TFZmOGlva01FTzBmVkZYZWVpcU9VUVpF?oc=5) · The Anniston Star
- 2024-08-24 [Details Announced Ahead Of 2024 Calhoun County Fair - RiverBender.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPaU5PS1N6a1c2UVluS2Uyc0JrS1JsR1dsQ2RZYWxSUUVyUTl2emhDZmxGSHprNnJ2LVk3dDZ3LTZSVjVjQVc4eGZYdkI4S29jNHhUYWdRMk5WR0J0NkF1WUZ6NG5qWDB2VFhlTVFJQjBoUFZTaEVYMFZKMkVGQzVXZTFhMktYUkxfWTJJRV9RTG5adU5vWF9VMU9rOG1tSFF5WURCQw?oc=5) · RiverBender.com
- 2016-03-26 [Donald Toppmeyer (1929–2016) of Hardin, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNaVZldzlzTWZYa3U1UDRudUFXLVJrZ3lJc2ZQSVloUjRybzlReU11VXlzckR3eHZEMzYzS2xMeHc4aW9EY0h4cV94UXllVTc5YnVaR2xyT0U5RnZVOXZjUk8wd0JOaWluMHB5cmZQT01WX1VaV2Q4eGphc2ZjM0h1WVVEYUhaZHBIOENqRFZySQ?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12549 (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/5.json (key "12549", 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