# STATE BANK OF PEARL CITY
PEARL CITY, IL · FDIC certificate 16344 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $73.4M | |
| Deposits | $65.7M | |
| Loans and leases | $32.6M | |
| Total equity | $7.4M | |
| Loans / deposits | 48.38% (p18 of band) | 73.59% |
| Liquid assets / assets | 54.75% (p83 of band) | |
| Uninsured deposits / deposits | 21.60% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.31% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -6.31% (p52 of band) | -6.57% |
| AOCI / equity | -1.39% (p20 of band) | |
| ROA (annualized) | 0.71% (p26 of band) | 1.17% |
| Net interest margin | 3.83% (p45 of band) | 3.93% |
| Efficiency ratio | 72.50% (p66 of band) | |
| Noncurrent loans | 0.69% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | -0.10% (p2 of band) | |
| Reserve coverage of noncurrent | 343.36% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 7.56% (p34 of band) | |
| Auto loans | $12.5M (38.44% of loans; DQ 0.00%, NCO 0.26%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **auto book souring** (`conc_auto`)

## Warning timeline

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

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

- 2020-07-11 [Mary Jane Kuhlemeyer Clark Obituary Jul 11, 2020 - Hermann Funeral Home | Stockton, IL](https://news.google.com/rss/articles/CBMidkFVX3lxTE9XMzVnV2hjRzNFa2xRUHczM2JvY2dfbC1MQlRxckRaSERuaGRZNEFuTDF6RXVQcWdQODNXRnVuZXNqOWphTEdmTFF0azQwZm1sWTdMY3VYbmNwRG9tUEhqYzVQQWNfdmhQOW9mUkkxMWJMZ0RpRkE?oc=5) · Hermann Funeral Home | Stockton, IL
- 2016-07-24 [Church members hold Sunday service despite destroyed building - Rockford Register Star](https://news.google.com/rss/articles/CBMingFBVV95cUxPem4yeWdYY25QS3YwTUFGaWRDdHMwMTJxbHJ2TWVmSUVKUXNOc0ozQ0Vvdmk0NkhpMDlWYnQtc2E2RzFkWGNNckJzYTBnRGlVNV93dUJ0NmtPZVBHcGtaNmhCaE5vaHlmRUd1dHc3VEZWMzJhV2FhZU9CRWI0U21BMlZmNjBFRmJDOExtNXVDX2NORHVkbGdocndDMUJPZw?oc=5) · Rockford Register Star
- 2016-07-23 [‘It was terrible:’ 150-year-old church destroyed by fire in Pearl City - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMingFBVV95cUxOMHVuRWNJdGFwU2hMYTNXeGRrXzhHSmpOSnRRM041bTVuSFpfUW5tSnYyb3c4REd5WU5zUDVfbUkwS0F4TEVzMFd6c211eGlfWTdiMFlfbjNQcFpETGcycU16Z2s1SkhXX2V4MEJWLTJnYTRfSmtrX3hCUS1SVFAwMjJrWnJhdGNOOHZ1bUVNOEZoeFpHT0dyY3RJOWxhUQ?oc=5) · Freeport Journal-Standard
- 2022-06-10 [Do you know a Freeport-area nonprofit that could use a hand? These men want to help - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcE1DT2tkT1VIQWtDV201YjFWbXZMajRJV1BnM1hPdWY0YTlMR240bmRvYTFfcTFiRU9yMkhUYUFENm1wZ01MQ2tLMDVkc2lPRV9QOUhNRjNEd19GSk5JNW5tY29EME03WjlwLXBOUENmcTdKMWQ3NHJqT1pMeTJjVlE5akFPVlJWNExuc1VhOFpydDZnT2ZXX1hudnVqZ2NaT01mSEkwaTVwMW80VF9TOW9JWTNCdw?oc=5) · Freeport Journal-Standard

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16344 (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/24.json (key "16344", 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