# FIRST NB OF LA GRANGE
LA GRANGE, IL · FDIC certificate 13682 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $335.6M | |
| Deposits | $303.8M | |
| Loans and leases | $165.5M | |
| Total equity | $31.0M | |
| Loans / deposits | 53.72% (p11 of band) | 80.43% |
| Liquid assets / assets | 47.08% (p87 of band) | |
| Uninsured deposits / deposits | 25.60% (p72 of band) | 18.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p5 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.06% (p25 of band) | 10.05% |
| Unrealized securities loss / equity | 1.36% (p65 of band) | 0.40% |
| AOCI / equity | 3.08% (p76 of band) | |
| ROA (annualized) | 1.25% (p74 of band) | 0.88% |
| Net interest margin | 2.84% (p10 of band) | 3.62% |
| Efficiency ratio | 69.41% (p51 of band) | |
| Noncurrent loans | 2.85% (p89 of band) | 0.96% |
| Net charge-offs (annualized) | 0.09% (p62 of band) | |
| Reserve coverage of noncurrent | 47.83% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 24.21% (p39 of band) | |
| Auto loans | $108,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 1 |  | noncurrent p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | capital falling, noncurrent p90 |  |
| 2014-09 | 2 |  | noncurrent p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13682 (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/50.json (key "13682", 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