# FIRST NATIONAL BANK IN AMBOY
AMBOY, IL · FDIC certificate 14674 · asset band $300M-1B · 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 | $324.5M | |
| Deposits | $264.9M | |
| Loans and leases | $133.8M | |
| Total equity | $29.5M | |
| Loans / deposits | 49.58% (p6 of band) | 82.04% |
| Liquid assets / assets | 56.81% (p96 of band) | |
| Uninsured deposits / deposits | 20.18% (p29 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.70% (p73 of band) | |
| FHLB advances / assets | 7.42% | |
| Tier 1 leverage | 10.67% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -7.42% (p52 of band) | -8.10% |
| AOCI / equity | -1.54% (p12 of band) | |
| ROA (annualized) | 1.01% (p33 of band) | 1.28% |
| Net interest margin | 3.38% (p23 of band) | 3.91% |
| Efficiency ratio | 70.71% (p75 of band) | |
| Noncurrent loans | 0.04% (p17 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 4282.46% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 2.43% (p7 of band) | |
| Auto loans | $2.6M (1.95% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-05-26 [McLaughlin named Amboy High School Student of the Year - Shaw Local](https://news.google.com/rss/articles/CBMipwFBVV95cUxOejlDSjFhZ1EzTFZOaXptWDZaLTNlNjZaTnI0UEk1aHdOWkJWUXdRR21wcjRhNTM5WmFXc2duWGJvcnBUc0FrZUpiazF3NXpQbEZQS3dfMXljYXJ0dVd0RklXSHpncmF5bDM5VmNKVEVXWFdwU3NOdU9ibVQzX1RrNm5tNHFOSmhHVHlVeHctdEQ0bDZqZ0kwbEd0U0J0N1F0SFRXYXRyYw?oc=5) · Shaw Local
- 2017-10-31 [Douglas Michael O'Rourke - View Obituary & Service Information - Jones Funeral Home - Dixon, IL](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBvRW1wVC1nV2VHajJBWnBTUlA2Y3cyMTVHcGVZTkM1bDVreG9GZUxaTEQ0UnVQa3lTSHEyYWI3bzdlY1dNZ3VVV0lUR1U1QjNBUC1ncmp3NmpPaDc1TnZiaHNUSEJPcVBz?oc=5) · Jones Funeral Home - Dixon, IL
- 2020-07-22 [Ann Taylor Obituary (2020) - Amboy, IL - Sauk Valley News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZk1rWGNtR2FEbHhMejYya19JYUtBZHNWTGVSVTBBc2J3Umh2SXZJQ3NTWWRlTk96ZzRsU1pqbFFMR28wdk5acmhBM2pNN19SVHZaVVJUc1hJUG41dkZSTDE2bE1OSkRGd2FtQXd6QUxiSWJzUlZsOFlvNHJhZzRnZEdNc3hkcXl5MkxHaA?oc=5) · legacy.com
- 2020-01-20 [Cynthia Renee McCoy - View Obituary & Service Information - Jones Funeral Home - Dixon, IL](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9SLXFOX2k3VWdid2NvTE9qQ3VjbXYzX3l4NDZ2UTk4YkVTQUtsNDYxaEdSaGxNQUw2blpzSV9KUlFPeXdzUzBrM2g5TWpBRlJtVkh6NHJTX0pVSkVmZG1mMGZXb28?oc=5) · Jones Funeral Home - Dixon, IL
- 2015-05-05 [Shirley Ann Huffman Obituary | Preston-Schilling Funeral Home | Dixon, IL - Tribute Archive](https://news.google.com/rss/articles/CBMieEFVX3lxTE9GNGsxczUxZFZiQXJ4UEFfWTc3X2pLTVdkMFlvT01ubGl2dldQNFM5YnhOVW01c0hPUVBlUkJLVnJIdEdBV3FyVEVENXNtSVh6RFRZWDZ0TndFeU1rQzVyYXBhNDBDQzRXejJQNVF4WGNSUDVBcHBLaA?oc=5) · Tribute Archive
- 2022-08-05 [Michael Benhoff Obituary (1967 - 2022) - Amboy, IL - Sauk Valley News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQWTI3T3lldnlwZkVYQTZZdnF4LWlIQTBlZnhXTXJ0dXdCeWtqZVgxQk92NVRsb2swSXdBdmtYV3l2bHZoVzRSRVlMc29IN05SZkMydmVJZWUtN040eWVsaGFPNUI1dWZUeXlOUDZjOTdiRG04bnhqZ2dieUZYSHlLVVl3OTBVRHpmdHBOSUVfVjREUmc?oc=5) · legacy.com
- 2025-06-11 [Marybelle C. Novak - View Obituary & Service Information - Jones Funeral Home - Dixon, IL](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE93QkZNTmtoMjZKUGhlSGtPU1haUDlMZVJqdEF5YkhOTE9yby1xSncwMHBwZnZ4OHZTcnBsMVNDTURzbHhOWFcway0yU2JneGk3VVBZeUttRmNLWG1tMFZOWmZfSnVSMDQ?oc=5) · Jones Funeral Home - Dixon, IL
- 2022-03-04 [Lois Bearman Obituary (2022) - Dixon, IL - Sauk Valley News - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPc0RBT1AtQ1FVYkItR1N5RkJhQmxEM2dxdGJZeGVmTkRiSERaWWZndF9nTkdybEwyQTB4M01ZRWZfMElOM2Y4Vk41SEpMM0Rhejg2RXdpUmhXNTE0QnA5RTJES0NZSGd3bXRZck5EVlJFQTFMSnNXajE1RmRmX0owck5QMEdtQWViZE5TaVdLQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14674 (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/18.json (key "14674", 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