# NATIONAL BANK OF EARLVILLE
EARLVILLE, IL · FDIC certificate 15630 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $56.6M | |
| Deposits | $47.9M | |
| Loans and leases | $29.1M | |
| Total equity | $8.3M | |
| Loans / deposits | 58.73% (p31 of band) | 69.26% |
| Liquid assets / assets | 44.10% (p68 of band) | |
| Uninsured deposits / deposits | 14.46% (p59 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.76% (p84 of band) | 10.29% |
| Unrealized securities loss / equity | -0.84% (p52 of band) | -1.01% |
| AOCI / equity | -1.97% (p61 of band) | |
| ROA (annualized) | -0.33% (p7 of band) | 0.76% |
| Net interest margin | 3.10% (p23 of band) | 3.63% |
| Efficiency ratio | 95.33% (p88 of band) | |
| Noncurrent loans | 2.21% (p74 of band) | 0.94% |
| Net charge-offs (annualized) | 0.52% (p90 of band) | |
| Reserve coverage of noncurrent | 142.59% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 2.87% (p22 of band) | |
| Auto loans | $647,000 (2.23% of loans; DQ 2.47%, NCO 0.11%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | noncurrent p90 |
| 2012-03 | 3 | capital falling | charge-offs p90 |
| 2012-06 | 3 | charge-offs p90 | capital falling |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 4 | capital falling, loans-to-lenders >50% equity |  |
| 2013-03 | 1 |  | losing money, charge-offs p90, loans-to-lenders >50% equity |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 1 | losing money | reserve under noncurrent |
| 2013-12 | 2 | assets shrinking |  |

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

- 2026-05-20 [Jean Mueller Obituary (1925 - 2026) - Peru, IL - My Web Times - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNamQ2ZEY3eHJpaUZxaDBmQWYzLUpPN01Db3ZIZFhUWEh4R3BHVXlWMllmejBMU1lnS2pTakdpdEZRWkZYdHM5MkhIckxrNzZlYTFTNGIxbHgyX250WVpOc1gwWlhraHUxUTdfZTRHZi1xeFBtOUlhRW5KamlDVUVYU2NoVmZFSGRzdVBmVWlSQQ?oc=5) · legacy.com
- 2023-03-11 [James Bann Obituary (1937 - 2023) - Earlville, IL - My Web Times - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPRUIxZmtKcjZVdVV2d3VjOVlyNGhLTWxrWlBsZ1ZYWnBIU2pzWUh4Sk1uM19CVG5uZm1tQ0tQUGtBVTVCaXUwV2gtVzV5dlI4VGxOU3VBc1JJZEtvaXQwZHVuSE55alpBWGliLWZQV3lhTDduS0xXR1pOSjZwYWJSeWJsNTY4enEybzBIUg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15630 (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 "15630", 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