# MILLEDGEVILLE STATE BANK
MILLEDGEVILLE, IL · FDIC certificate 15873 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $215.2M | |
| Deposits | $170.6M | |
| Loans and leases | $140.0M | |
| Total equity | $20.2M | |
| Loans / deposits | 81.01% (p64 of band) | 73.59% |
| Liquid assets / assets | 30.17% (p44 of band) | |
| Uninsured deposits / deposits | 11.48% (p19 of band) | 19.81% |
| Brokered deposits | 19.25% | |
| Wholesale funding | 29.54% (p99 of band) | |
| FHLB advances / assets | 10.29% | |
| Tier 1 leverage | 10.48% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -11.75% (p36 of band) | -6.57% |
| AOCI / equity | -1.07% (p26 of band) | |
| ROA (annualized) | 0.80% (p30 of band) | 1.17% |
| Net interest margin | 3.08% (p15 of band) | 3.93% |
| Efficiency ratio | 51.64% (p16 of band) | |
| Noncurrent loans | 0.28% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 459.59% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.16% (p18 of band) | |
| Auto loans | $613,000 (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 3 | brokered >10%, uninsured deposits leaving |  |
| 2015-03 | 2 |  | uninsured deposits leaving |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | charge-offs p90 | capital falling |
| 2019-12 | 2 |  | charge-offs p90 |
| 2020-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2020-06 | 5 | capital falling |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 3 |  | uninsured deposits leaving, capital falling |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2022-03 | 3 | capital falling | charge-offs p90, reserve under noncurrent |
| 2022-06 | 3 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 5 | securities losses >30% of equity, charge-offs p90 |  |
| 2022-12 | 3 |  | securities losses >30% of equity, charge-offs p90 |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 4 | noncurrent p90 |  |
| 2024-09 | 3 |  | noncurrent p90 |
| 2024-12 | 4 | charge-offs p90 |  |
| 2025-03 | 4 | capital falling | charge-offs p90 |
| 2025-06 | 2 |  | reserve under noncurrent, capital falling |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 3 | capital falling | charge-offs p90 |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2018-07-29 [Agatha Tyne Obituary - Visitation & Funeral Information - Jones Funeral Home - Dixon, IL](https://news.google.com/rss/articles/CBMia0FVX3lxTE1mVE0zUnVSOWZZRzVvd1VDdHo0RVZvWHQ5cXVkTTVzeXVGeFJPRUxObk1OUXJ1Y3B5QWFOdU5xYVY1S0lTMTY3R19yRm9DWU1jUkJhNnJIcG56eUs5blZ4bFk2enZmRVdFWTZz?oc=5) · Jones Funeral Home - Dixon, IL
- 2024-05-10 [Robert Woessner Obituary (1937 - 2024) - Milledgeville, IL - Sauk Valley News - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUTVlX1AtNjkybktiX3hWMjFSNTU3RmRhbHNrUVNod1RYcVZmcHQ5MDM2bEJoc3Zuci1sMlhnTm8tVVNPVWpERXZYVlRUMHFDMktoUklSQlhPMUNqeVZoR0JzQktPSmY1cDlGTkJEM0tWdzYtYWhTNnV1ZmN1emwzdDBDbkJyOWJvY1NSMHp6MzlndEk?oc=5) · Legacy obituary
- 2026-06-15 [Free Grandstand events planned for Carroll County Fair - agrinews-pubs.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNc1dEVGNkbDlhNWxhclhyV0F5aEMtb0Rvdy1jWjhyMGFZZldLb21uQWlYVGd2c0ZZYjRIazhRRC1WcHh1QmR0NXhFdWp3TXNlaVQ3WUR5Tk92NXh3dEQydnFxSWNQcWNWeGZ3bGlGdVdxSkhKME5OcGhQSEE5RDNJcV82aWZxcDdNNmVWaFU5WDJKOVpJM01YQlg2XzhiZkYyR0Z0cU5kb2M?oc=5) · agrinews-pubs.com
- 2022-07-29 [Carroll County Fair offers plenty of activities Aug. 9-13 - Shaw Local](https://news.google.com/rss/articles/CBMivwFBVV95cUxPMW1LR3NBTEdJTnRLeWxhZDFyN2FFTDRYakxhRzBUU1BkOFFzdVJVTEJCUjViZkUzSEtEdlZtZjRkQURDX2oxdWRtRmYyVjdoVW1haXdCZFFZQ1BaWlM2U2xyRXg5SkZHaWpiWFdKVEVYN2tOdUI4Wm5sbVotU0dVZUFPSkw2SkxJM2dSOUVyc0h5dWRjNl9YMG53Rmp6MUJzdzJkQjd4N2dvQktVQ1JJazdlSThoY3V3VnpzdjZiZw?oc=5) · Shaw Local
- 2023-10-28 [Vicki L Deets Obituary (2023) - Sterling, IL - Schilling Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE55Yi1VSTJoRTJaNGJLQkZJY1lHcGJEUHo1TXdDd2NKZ2JHSzFlbHlzNEZMRkNTQkxVbEkyMzR3azJ2dW9wVlBUa0llWVM1Mkh1WVptX0hxeHJPSmtYUHVQTWdwWFhOTnotLUd6RFQ4UnUtV3dub0lvc3RMVFJtbHc?oc=5) · Legacy obituary
- 2023-11-04 [Vicki Deets Obituary (1953 - 2023) - Sterling, IL - Sauk Valley News - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbnA5eGV2a2F5Z19ZNXNkdnMybE9hQXpaUHNHS0FPelhEckFKSjQ3VjF1eHdZR19tczYxRG04UW5FSkpDbF9kU3dVempLZHlGOU1QVEVEYjhDMHZhQko0NkNHcl9oUWF4RklDZFVYeXh1OU1aYnZ2dkVQS25QR0xUU09SeTlDdktWWDk5dFV3?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15873 (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/1.json (key "15873", 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