# MAZON STATE BANK
MAZON, IL · FDIC certificate 16179 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $81.7M | |
| Deposits | $73.1M | |
| Loans and leases | $32.6M | |
| Total equity | $7.7M | |
| Loans / deposits | 44.35% (p12 of band) | 74.58% |
| Liquid assets / assets | 55.49% (p86 of band) | |
| Uninsured deposits / deposits | 6.63% (p16 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.87% (p16 of band) | 10.79% |
| Unrealized securities loss / equity | 3.70% (p67 of band) | 2.02% |
| AOCI / equity | 5.92% (p96 of band) | |
| ROA (annualized) | -0.36% (p4 of band) | 0.86% |
| Net interest margin | 2.93% (p15 of band) | 3.65% |
| Efficiency ratio | 109.65% (p97 of band) | |
| Noncurrent loans | 1.81% (p79 of band) | 0.67% |
| Net charge-offs (annualized) | 0.10% (p79 of band) | |
| Reserve coverage of noncurrent | 37.90% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 22.06% (p59 of band) | |
| Auto loans | $1.5M (4.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 3 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | capital falling, uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2014-12 | 1 |  | expense ratio p90, uninsured deposits leaving |
| 2015-03 | 3 | capital falling, expense ratio p90, NIM <2.5% | reserve under noncurrent |
| 2015-06 | 1 |  | capital falling, NIM <2.5% |
| 2015-09 | 1 | deposits shrinking | expense ratio p90 |
| 2015-12 | 1 | reserve under noncurrent | deposits shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 4 | losing money, expense ratio p90, assets shrinking |  |

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

- 2024-07-04 [Sherry McIntosh Obituary Jul 4, 2024 - Reeves - Baskerville - Reeves & Baskerville Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE1aZ09rcjc5MmQ3elNQSXdfZ1pxQktVZmZNbktqMW00dUZyaU85bzNSS1N0QkRITW5HXzVuZDROQk9Pb3BzS1RJSkxvZFBMMUhUc3RUVTdaLTh2dXVmTDA0bzRnNlozQjhVbkluWURR?oc=5) · Reeves &amp; Baskerville Funeral Home
- 2015-12-15 [Obituary of Gwendolyn Gonnam - Fred C. Dames Funeral Home and Crematory](https://news.google.com/rss/articles/CBMif0FVX3lxTE9veUpYWEhmTVRJLWpIWVJSbG9HZTc3UDRYbERocThqcU94RzBSaDlhTUtNQ2lIZkdsUWtTSGhNX1N2V1FlWEEwVURuSlJ0WWVxZTh4bnRoOHdrLUZQUmxpWERaTlNBX3h4amVNTjR6LWNVYXExbFFvakRxRXBZdVk?oc=5) · Fred C. Dames Funeral Home and Crematory
- 2024-05-13 [Grundy Eunoia Wellness Center opening in former Mazon Bank building - Shaw Local](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNWlJSbVRzWFBYbWJzckNPemRkM3k5OXlIUF9udTNfcmZHejltY19Vbnk3Z1F0blZyWFFNRlJWeEJZU1pfVWRKUHJ4N29FTTZiOFV2Ymp0OFQ2NS1fZUJXZmNvLWZWVllFMno3ZlJ2VWRLeGtLTXlwdjJScFE1WWVBMDJ6R1A2c1kxWjRubTR1aEluRk11ZkFOc3NTZzlIdWNDNnNEVm9HbHdpYnZyX2FITmJ2UGRlRlhBU0NDUTN6VFVVdw?oc=5) · Shaw Local
- 2016-12-13 [Jack Baudino Obituary Dec 13, 2016 - Reeves & Baskerville Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFAzT2czRjd1N1NlVGQ5aXlyYk5QT1FJVG1mVjdRd3lZQ0ZmQ2RCdF9QUllWenVHVXlST2ZvZUROMlRRNGRNNFpnT2NmcTZqbVBKcFBha1ZrbG9TaHVrblQ3TWJIbXp0NDBiOWc?oc=5) · Reeves &amp; Baskerville Funeral Home
- 2020-09-14 [Paul McIntosh of Diamond 1943 - 2020 - wcsjnews.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQSTBDRkd4ampQOFFsQll2dWRwMFR4aDdsaTl1OG9MNWwxRWpsaml4UXBBdUhJeXVKYUN4cVYtZTUxWVItYkVRTnB6eWlpQjFmcVhQU2V2N1pGcTBRYkRJbGswWmJKcU0xZzFMTjBWQk11cGlocG5WZ2x0Ql93d0RINWItemZxM2ZrRjhEV2wwdDItSkpIVkQ3NklFN0NfdTlINnRYNkVhLVo4Q3hIaFI3Y0RxUm9xZmtsMjhHV1dCMA?oc=5) · wcsjnews.com
- 2026-01-02 [Elizabeth "Betty" Watson Obituary (2026) - Coal City, IL - Reeves Funeral Home - Coal City - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZXZKcVM5UzlZMVluNm1ucWphdVlTUUdGaHo5em5oUkktUmJheF92UGR6S0F6VkpqZnB4aEg0bDZjUTJlMkhtX0FoaThPNHF6RXJnYVBJQjRQVUNjQm5tVUNIOG5DdHZYVjhDQVNXOW9DUGcxYnl0R2txd3ZvcGVTMXZkNVNfRmRUT0UwM0ZR?oc=5) · legacy.com
- 2020-08-02 [Paul McIntosh Obituary Aug 2, 2020 - Reeves - Baskerville - Reeves & Baskerville Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1nSjk3aXVHTXVNbmNKMk5UQm1TcWVyUndRcERLd1o4eDBiVkxKa3h6VGJYa21NUU80UTRINXFWTV9KS1JPQXo4akxTdjBjTU9tanB5M3B0Sm5XLUY5VWkwWk1zWGhDWERpQnpV?oc=5) · Reeves &amp; Baskerville Funeral Home
- 2016-12-31 [Janet Ziegler Obituary Dec 31, 2016 - Reeves - Baskerville - Reeves & Baskerville Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1Vb3VMd2pRZWJIZFlaZ1ZYVXl2SlowUmRnUmJqVF9EUEd5SWM4U1IzV3NkNDNoTHVUSzM1cV9OUUoyWFJrNTk4M3RhXzhkWFd3S2RNaDdYVnNTd0JaMGJiZFYweUhYbDE0aDk0?oc=5) · Reeves &amp; Baskerville Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16179 (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/51.json (key "16179", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide