# FARMER CITY STATE BANK
FARMER CITY, IL · FDIC certificate 15855 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**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 | $79.1M | |
| Deposits | $69.8M | |
| Loans and leases | $15.6M | |
| Total equity | $8.8M | |
| Loans / deposits | 21.78% (p3 of band) | 69.17% |
| Liquid assets / assets | 78.55% (p97 of band) | |
| Uninsured deposits / deposits | 18.93% (p89 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.17% (p53 of band) | 10.02% |
| Unrealized securities loss / equity | 15.65% (p95 of band) | 3.21% |
| AOCI / equity | 1.81% (p91 of band) | |
| ROA (annualized) | 1.47% (p83 of band) | 0.78% |
| Net interest margin | 3.30% (p25 of band) | 3.76% |
| Efficiency ratio | 64.02% (p29 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.31% |
| Net charge-offs (annualized) | 0.21% (p69 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 2.48% (p23 of band) | |
| Auto loans | $134,000 (0.86% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.3% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |

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

- 2023-04-04 [Karla Ruch Obituary (2023) - Farmer City, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOWmlpX0dWT3Q1aVdXTTZnREhDZHBXYmoyWHVwY0hFR2kzOV95emxZSVB2YzU5bktlYlpVSWZNRTlUM0tMWEE3UDNzRmVZUU90LXByUS15MGJLNWpmRktZWHFMR1ZNQ0tFeXZoay1IbFA2eHJ1MzZnMDZXS0lYUE9kaTBpbHhWekRvVm9MMQ?oc=5) · legacy.com
- 2023-10-07 [Dennis Johnson - The News-Gazette](https://news.google.com/rss/articles/CBMisgFBVV95cUxNV1FlX3FZX2VJUVVTUVlEZXNPWTJ0RTRtQzFSbVBJbXNXUE9MNGlrMnhMUXBUbUFqYnZ0ZDJ1SHJhbmNSdS1RWk9hSGw0QWZiOFgtYzdVNEJWS0t2N29jOVlJd3ZOMzE4MV9DWjF6Vl8wT25tYjR3MHNsOXNZRFA5anRHcUNhbjF5WnZEdFBXYS1qVlNCdXgxeFdXeVF2MEE3OGZHeTlVTDVxUlhvVWpyeEF3?oc=5) · The News-Gazette
- 2023-03-31 [Karla Ruch Obituary (2023) - Farmer City, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdnFEQVFtb2dRdkdfVllXVW1qSVpubzRBSUhOSkRaV3oyczJFYWF1LWU2LWxQS2hvM3B5VWtZbUQtZTZ3RGlPRWxZRE11TUVJUzNudHk5clBpcmNkSHFwZmhFTW1oM3R6WGxEVzJUb0h0ZlFnN1ZDWHpQQ1lheEVYYzVUWDY1OXBoUlJkams2Zw?oc=5) · legacy.com
- 2025-08-28 [Nancy McLaughlin Obituary (2025) - Farmer City, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNZ1kwYWdmQm53TkpqM1lyc2lTZFhqMDEtZlZ5N1dZOTVLLVZhcWRxZ1F6TWdUNFczQlo2T1dZMGNJVHh6ZmJDbnpWc2ktRm5oTElNcnhkUDlyUEhjcmZMVkhVZzVfNDNSV3ZQNWNqbnBKaXhvd1dENVlLSFVxblBjd1Ztc0UtVjJuOFdWb1Z5WldlWUJVU0FR?oc=5) · legacy.com
- 2008-12-12 [Amanda Isaacs Obituary (2008) - Champaign/Urbana, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYm9lWjBBWmo0YTdBM2ZUS0prN2lPQU5lMjhEamZSZmVOZ3pZMXMwSXVXSHlFdGpYZ2dCX0NRTzM4NlZUMVhGUGdyZEhGektZUVJ2MTE2enNYX3RzeTg4YmV4SDN2T29RZUlrd2hzQUhrYUlMN1ZhNmtsU2hfX2x4cFRlaDYzS3VrVFlTTkN5NjVWbUU?oc=5) · legacy.com
- 2009-11-18 [Alice Burton Obituary (2009) - Champaign/Urbana, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNWWxJbVppY1JoSm5WQzF1Y0NWdHZpczJOWTlaTHM4cVN5S2phYnJRdlU3MXRGRUhmdGVxVXJCMWZCb2VFRHlnNjhFQXEtN0lDMml3b1dWYlRtTU16WGVZcUlmdXFwbXRTUVFmTVU2MElwaVdfWjlQc2VNY19wRHJWa2dVcWZfM1FBX3B5d3piN1Bjdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15855 (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/47.json (key "15855", 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