# MARSEILLES BANK
MARSEILLES, IL · FDIC certificate 16318 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $77.6M | |
| Deposits | $68.1M | |
| Loans and leases | $36.0M | |
| Total equity | $4.2M | |
| Loans / deposits | 52.28% (p22 of band) | 73.59% |
| Liquid assets / assets | 52.07% (p80 of band) | |
| Uninsured deposits / deposits | 14.64% (p30 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.11% (p75 of band) | |
| FHLB advances / assets | 6.11% | |
| Tier 1 leverage | 8.31% (p5 of band) | 11.76% |
| Unrealized securities loss / equity | -58.99% (p5 of band) | -6.57% |
| AOCI / equity | -1.63% (p16 of band) | |
| ROA (annualized) | 0.34% (p13 of band) | 1.17% |
| Net interest margin | 2.44% (p4 of band) | 3.93% |
| Efficiency ratio | 75.90% (p72 of band) | |
| Noncurrent loans | 1.02% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.25% (p94 of band) | |
| Reserve coverage of noncurrent | 102.99% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 17.47% (p50 of band) | |
| Auto loans | $2.5M (6.87% of loans; DQ 4.65%, NCO 0.15%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 0 |  | capital falling, reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | AOCI drag >20% of equity |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2018-12 | 2 |  | deposits shrinking |
| 2019-03 | 2 | capital falling | uninsured deposits leaving |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 2 |  | reserve under noncurrent |
| 2021-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2021-09 | 3 | NIM <2.5% |  |
| 2021-12 | 1 |  | capital falling, reserve under noncurrent |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |  |
| 2022-06 | 3 |  | reserve under noncurrent |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 8 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  | AOCI drag >20% of equity, construction >100% equity, reserve under noncurrent |
| 2023-06 | 7 | capital falling, expense ratio p90, reserve under noncurrent | assets shrinking |
| 2023-09 | 9 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 5 | losing money | deposits shrinking, uninsured deposits leaving, reserve under noncurrent, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | expense ratio p90, losing money |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 3 |  |  |

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

- 2026-06-02 [Jacquelyn Charbonneau Obituary (1950 - 2026) - Marseilles, IL - My Web Times - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbEFrV1hXMVVNUGZaWkE1N0Fwb1ZUOHRVUmYzRjRkcU43Yl9CTmZ1NnJ4aEs5dERQUTZkZ19aNUZYcXp0a3BTb2liN1JIZTFCdDc1UjZ1eWh0alBpRER2NU02dmxPYlhwdmVldDY3MGZtV0FUY254aTNOOUQxTnl5ZktBWGFoOUV4VFdPUEhqMDV0WnFrSXN6Q25taw?oc=5) · legacy.com
- 2013-05-16 [Limited Navigation Resumes Through Marseilles Dam - Northern Public Radio](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZGgwZFpnUWdxaDZTVDZZN3lUNnFjcXVLLU41Q19DTjhDYldmVEdYSHROaktCMmxza2ZPMDlYVVcyb2RTdjRrZjdtdzFLZjd6TDFldG5STm02SkR1RmdsSkZDQTVkdkdkRFYzQzFUZzlEZDYydVJXR0wxd2llYTJjb2RsVnV4V0s5NlozZjcyd0QwYjRNS09pMjZPdm4?oc=5) · Northern Public Radio
- 2024-06-24 [Marseilles Fun Days packs in a lot of fun in week-long festival - Shaw Local](https://news.google.com/rss/articles/CBMirwFBVV95cUxNQ1JTRWhzSzI3MDFOdUp6d2QybDJVb0hacElPZDhSeTF3clhBUTBNOGNoRVZGT3YwZTVaN1lGWmFUNjE5eWdmeU1yeVk0Ni02OW1aUGZhV1o3cExiQWw2MDcyY2tsZWUtMGN1OHByT3h3elBnNVFwRkVDcmJBbmN0QXNXNkpWeWt1NHl2bnB1UnhZN1E5Rk1GNUQ1QXBVUUxqYWJtMlZrZDRLcmM1cUhz?oc=5) · Shaw Local
- 2013-04-19 [Tearful Teacher Pleads to Sex With Student, Gets 11 Days in Jail | Plainfield - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxPNmlxRWFkSy1QN0hLRWxtS3gzVkhmNWNKd3F1ZjBYY0lEUkFrZ29TM18zRTlEWU1naFE0eW9nUUUwaE5kckVOQlRrSjhaNDhpM3AwYkstLVlCUVFxeTBLTmNQYmJpREx3X3FWRzRfb214VFUzSXRvR2RtYUxiQmoxdkdfcXJTSEMzZVhzT3JpZGl0OEMyVWpwTk9VNVZQSS04dUEw?oc=5) · Patch
- 2021-06-30 [Doris Tisler Obituary (1949 - 2021) - Marseilles, IL - My Web Times - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdHZkUTNWWFIxakIzdlJzWWdQMC1NNjlob1I2YWIxRmlnYXBUaDc2VVlMYXBmSmZCaC1QSng4ejVGbFNLT2ZDd002WkpsLTJyUmZucVN3M3RxUXBaOWd1S1dFazRRbmt4a0N4YlVmbHQ3UFNCbWxjMElFTm9jX0JfQVRQY3g1c3NmNWZDclNwbw?oc=5) · legacy.com
- 2021-10-09 [James SHEEHAN Obituary (1944 - 2014) - Lake Havasu City, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPaGhiVU9lVGt5NUgxRUhSS1hrZWRUclI2STJMaE9lazdUWFMzdU5IbjNNcUdXcUFvQmxPM1hfdmc2SG9rcXlyeE9zRU93WjBqSFVRR2R2MXFoV3JWRE9WRlRuUlZkX25DNHRCSTI3OHFjUzlHQVBzMUFkLXBubGxJOVFiTERCM0U?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16318 (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/62.json (key "16318", 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