# TABLE GROVE STATE BANK
TABLE GROVE, IL · FDIC certificate 16394 · asset band <$300M · latest filing 2026-06 · live

**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 | $45.9M | |
| Deposits | $40.2M | |
| Loans and leases | $32.7M | |
| Total equity | $5.5M | |
| Loans / deposits | 80.57% (p63 of band) | 73.59% |
| Liquid assets / assets | 27.16% (p37 of band) | |
| Uninsured deposits / deposits | 12.95% (p24 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.49% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -8.67% (p43 of band) | -6.57% |
| AOCI / equity | -0.11% (p63 of band) | |
| ROA (annualized) | -0.19% (p6 of band) | 1.17% |
| Net interest margin | 4.43% (p74 of band) | 3.93% |
| Efficiency ratio | 98.83% (p94 of band) | |
| Noncurrent loans | 1.65% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.21% (p93 of band) | |
| Reserve coverage of noncurrent | 63.08% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.6M (7.82% of loans; DQ 4.42%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 | assets shrinking |  |
| 2012-09 | 0 |  | assets shrinking |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | assets shrinking |  |
| 2015-06 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2017-03 | 1 | capital falling | assets shrinking |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | uninsured deposits leaving | capital falling |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 6 | losing money, expense ratio p90, charge-offs p90, assets shrinking |  |
| 2024-06 | 4 |  | uninsured deposits leaving, expense ratio p90 |
| 2024-09 | 3 |  | losing money |
| 2024-12 | 0 |  | deposits shrinking, charge-offs p90, assets shrinking |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 4 | capital falling, losing money, expense ratio p90, charge-offs p90 |  |
| 2026-06 | 4 | reserve under noncurrent | capital falling |

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

- 2023-05-06 [Michael L. Busby Obituary (2023) - Table Grove, IL - Shawgo Memorial Home - Astoria - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPWFZVTW9BMG9sWjVOeTJ4LUFncUhEMXhZZnVGT2dvTzJzRnczVjZfZEdwTGVTcmxpR2xnTmJESDFxazJJRDZfTWJOeVYtRld3RGxYZFViaHpuRGIySEtrd2lHYTVYMl96Y3pZdmhxZ1BGMk9ZeXFKZ1RGUnQ0SVlLOXZ3?oc=5) · legacy.com
- 2009-01-04 [William Cassidy Obituary (2009) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZTR4dnZpQjdlLUNUb1NuR3lYMXVWeGdyUVFLS0lUdF90S1NwaFo5MEJRakJhSnUzVGdfZXlLQUs2SHo4cVRIN29nMk5UTF9YeTVPRTVoZ1BBWnhJNTc3QXNBY1VyUHFWQ2xuYlFabl9qNWdCbEFrWEZzNG5uakItdFl3SFpSMFFUMXVBNURB?oc=5) · legacy.com
- 2024-06-08 [Jacob O. Moulton Obituary (2024) - Astoria, IL - Shawgo Memorial Home - Astoria - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNMmZwZVpNOUVGY0M4UEhpeVpyOVloNWtFNUdnLWVRSVlwUmQ4NzJuOE5YQnFFTElNSFdvLTZyUzBoQlJwMTV1czRidE5QNHNacXFNdFBVdjZ3WEZZNkNJVDVKN05fZTdpMWNHYU9yYUpvbUx5S0xxVzFSM0xuOHVaWDBR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16394 (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/10.json (key "16394", 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