# FARMERS STATE BANK OF MEDORA
MEDORA, IL · FDIC certificate 13902 · asset band <$300M · latest filing 2026-06 · live

**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 | $20.4M | |
| Deposits | $17.9M | |
| Loans and leases | $7.8M | |
| Total equity | $2.4M | |
| Loans / deposits | 43.00% (p14 of band) | 73.59% |
| Liquid assets / assets | 59.28% (p87 of band) | |
| Uninsured deposits / deposits | 6.63% (p6 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.51% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | -44.13% (p8 of band) | -6.57% |
| AOCI / equity | -0.72% (p35 of band) | |
| ROA (annualized) | 0.07% (p7 of band) | 1.17% |
| Net interest margin | 3.05% (p14 of band) | 3.93% |
| Efficiency ratio | 98.64% (p94 of band) | |
| Noncurrent loans | 1.70% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | -0.09% (p3 of band) | |
| Reserve coverage of noncurrent | 57.58% | |
| Real estate % of loans | 11% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $483,000 (6.22% of loans; DQ 0.00%, NCO -0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | NIM <2.5% |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | capital falling, NIM <2.5% |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | uninsured deposits leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 4 | charge-offs p90 | capital falling, deposits shrinking, assets shrinking |
| 2019-06 | 5 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2019-09 | 5 | losing money, charge-offs p90 | deposits shrinking, assets shrinking |
| 2019-12 | 4 | expense ratio p90 | uninsured deposits leaving, charge-offs p90 |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | NIM <2.5% |  |
| 2021-06 | 6 | capital falling |  |
| 2021-09 | 5 |  | capital falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 9 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-06 | 8 | uninsured deposits leaving | capital falling, assets shrinking |
| 2022-09 | 7 |  | uninsured deposits leaving |
| 2022-12 | 5 |  | noncurrent p90, NIM <2.5% |
| 2023-03 | 5 | noncurrent p90, deposits shrinking, assets shrinking | losing money, expense ratio p90, AOCI drag >20% of equity |
| 2023-06 | 1 |  | reserve under noncurrent, noncurrent p90, deposits shrinking, assets shrinking |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2024-06 | 4 | deposits shrinking |  |
| 2024-09 | 5 | assets shrinking |  |
| 2024-12 | 5 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2025-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2025-06 | 6 |  |  |
| 2025-09 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-12 | 4 | deposits shrinking |  |
| 2026-03 | 4 | reserve under noncurrent | deposits shrinking |
| 2026-06 | 3 |  | losing money |

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

- 2018-09-25 [Simmons Bank grows loans 90 percent with acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQM1pFQnAxZHNEZU1wdmN2djBzLU9ScHVMSjFxdnZ2bUxiWHVZZWtsMUY3azJ1R3k3cklLc0gzWTIxOVIyZXBOSGlHQ3BzVXQxUmRoVDFuOW5zeXE4cWdJNDg0TGtWcVY4cUt6cDE1MVpvUU16eVhGb2FhU1hPM2stRlAxN19YLTV4UGdmRVNka0xPVy1wLWUwdzdTTXZFdw?oc=5) · The Business Journals
- 2023-05-03 [Amid national turmoil, some St. Louis banks report numbers outside norms - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNanZDVTVJUkVmSWNyU3lHZVNDeUNuWTRrQVRyeUFaVVVpcFZrZVZVTkVGT3VYTmNnTkxmUFZEdW5LNE82VTI4Nk8tSFlOei1jaUJZUGk4bnhpYXZFa0VRR3FST0ZHSWFybUplTGhDX2tSVGc3cFRMUjkybzZYYnlWT2VxZkhQYTZtU1kydkFkbmg5Y1lpUURCcWpUZ21XTHhkRXFQRUx3QnE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13902 (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/14.json (key "13902", 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