# 1NB BANK
CARLYLE, IL · FDIC certificate 14761 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $319.0M | |
| Deposits | $260.1M | |
| Loans and leases | $214.3M | |
| Total equity | $30.1M | |
| Loans / deposits | 81.57% (p49 of band) | 82.04% |
| Liquid assets / assets | 29.50% (p63 of band) | |
| Uninsured deposits / deposits | 17.42% (p20 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.39% (p72 of band) | |
| FHLB advances / assets | 8.39% | |
| Tier 1 leverage | 10.29% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -12.79% (p37 of band) | -8.10% |
| AOCI / equity | -0.19% (p59 of band) | |
| ROA (annualized) | 1.08% (p37 of band) | 1.28% |
| Net interest margin | 3.38% (p23 of band) | 3.91% |
| Efficiency ratio | 52.99% (p25 of band) | |
| Noncurrent loans | 0.07% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 1494.48% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 42.39% (p49 of band) | |
| Auto loans | $1.5M (0.70% of loans; DQ 0.00%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 35 | |

## 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 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-12 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | capital falling, assets shrinking |  |
| 2013-09 | 0 |  | capital falling, assets shrinking |
| 2013-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2014-03 | 2 | capital falling | wholesale funding >15% |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | assets shrinking |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | assets shrinking |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | uninsured deposits leaving | capital falling |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | capital falling, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | deposits shrinking |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | NIM <2.5%, securities losses >30% of equity |
| 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)

- 2026-05-16 [MUST WATCH: Video shows the moment gas station canopy collapsed - KMOV](https://news.google.com/rss/articles/CBMinwFBVV95cUxPaDYtWlJFX1NsUlExelZLbmRabzF5WXBLdDZkVFQxUVpWSDBfZ2YzZHBqY2Z2UTJaSFZxZnZpTEhyRUM3RU9DcUV3Ym04aVlzQjhqUmxxZzd3OXYtUlhKNWlpeGZDTEJrVHpkSVFsckgwWVRZNmVQMlE5UFd3eHdwTG5DTXcyN3FxZ2FWUjI5M1Q0cF9FY1N3Z1daYXlsanPSAbMBQVVfeXFMT1drS0tTNVcyQkMtTVhGcHZFX2ZWajg0Zk1mdmVScjB6VUxfYzlRZDZ1Znd5MGhxLUxiQXhZMXlpdERVVzd6QU5ZRTNMNDNoVWNEYTJlcGlLTm9UcWhEZDUwMzF3M25pQW4wVjA2ZWpMZThIaUxCLWVfb0FXc2ItV2VEenBhR05uN0IxNFJwQVJwSDA1eWVQZ0Q3THN0OGVNTDVlTkxSa3YxWWNfUXRCeUh2YWc?oc=5) · KMOV
- 2026-05-16 [Shell canopy collapses; Storm damage reported in Carlyle, Illinois - FOX 2](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOGF3a2swMG02cm1pcDFUSE9MTnFlb00tUjlsamItdG9iT3h4RXZEUjUyWUpFRU5sTW1Bc0Q0OE9wYjJBVl9wT1V2R1BySHNoWi16b3hINGpsajRCcGRrOTRQbW52NzAyRXJRRGNMSFU4TWd6WEtaclpkZ3NrbzA3R0hrWUN5WTJVTFJxNkl3U0hyTzF5NzZBWm5mNDVJR0Yt0gGmAUFVX3lxTE83Wk1uMk9QVnV5SUdScldCSWE1d05heC03NkdiUHd5ZTBJQUcyUmJzb3RCa2R6a0lRX01QNnpleE1GUExtTVBhQ2R4T0F0bDJCQkp1QzJQUGhoSjZUT0ZHOUxFQjZoZWN2T3FzUS1FbHNDZTBvOTgzWWRqUmlvWUk2bVdnOEdfTC14N2dzbTJaUU9yb0Y0N3dpbEZTQm1sN3FaS3hob1E?oc=5) · FOX 2
- 2026-06-10 [Sandra T. Schrage Obituary (2026) - Breese, IL - Moss Funeral Home, P.C. - Breese - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQUkZjb1lCaUxVbTJ0eHV0N2RmanF3X3JKSTlnU2NLal9hNVpXeGx0WlJxalpzaDUxd1EySlhRLVZhdWJsOUxveE9POFZXelNhNEF4RVZWQkFKMmtpV0FmV0ZaWXdIODZrZUJDSzdPSVJyOTRpcXpIMEZCdE5xa0lNdGpZNA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14761 (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/41.json (key "14761", 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