# BANK OF STRONGHURST
STRONGHURST, IL · FDIC certificate 16413 · 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 | $87.6M | |
| Deposits | $77.8M | |
| Loans and leases | $41.1M | |
| Total equity | $9.6M | |
| Loans / deposits | 52.17% (p22 of band) | 73.59% |
| Liquid assets / assets | 50.54% (p78 of band) | |
| Uninsured deposits / deposits | 6.20% (p5 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.17% (p72 of band) | 11.76% |
| Unrealized securities loss / equity | -44.83% (p7 of band) | -6.57% |
| AOCI / equity | -1.15% (p24 of band) | |
| ROA (annualized) | 0.45% (p16 of band) | 1.17% |
| Net interest margin | 2.83% (p9 of band) | 3.93% |
| Efficiency ratio | 83.73% (p84 of band) | |
| Noncurrent loans | 1.69% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 69.21% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $522,000 (1.27% of loans; DQ 4.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, NIM <2.5% |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |  |
| 2013-12 | 2 |  | NIM <2.5%, uninsured deposits leaving |
| 2014-03 | 2 | capital falling, losing money | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | NIM <2.5% | losing money |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | deposits shrinking |  |
| 2016-03 | 1 |  | deposits shrinking |
| 2016-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2018-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 1 |  | deposits shrinking |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | NIM <2.5% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | deposits shrinking |  |
| 2024-03 | 6 | losing money, expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 4 |  | deposits shrinking, losing money |
| 2024-12 | 3 | reserve under noncurrent | expense ratio p90, uninsured deposits leaving |
| 2025-03 | 2 |  | reserve under noncurrent |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 1 |  |  |
| 2026-06 | 3 | capital falling, reserve under noncurrent |  |

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

- 2026-07-14 [2026 Knox County 4-H Gilt Show Results - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMia0FVX3lxTE1PRHJHa29XS3BIQUVlNzFfTFFuNjZEUEhwakdoYU1vMVcyZVFsbkEwSEtON2ZmRnpXalNIelpQSzZZLV9PRGlhVEFiQUJkX2t5LV9wYU5fVWNEa1dTTHBPT1VtS0otMi12NXR3?oc=5) · Radio Monmouth, IL
- 2026-07-17 [Results of the 4-H Cattle Show at the Warren County Agricultural Fair - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMinwFBVV95cUxQeXBJXzRGV1k0NHFNcnhkTDl6MkllZVgzLUxPUkZQZVFiRWZLcXN6a0oyM0ZTU1d3S0h6Vl9SQi04WnBxblRTNkNreGRxN2ZrV2lDV1BPcjc1bm82Y2JGNFBqVXNKVGl4SGctTnlaRTVqcXZRTkZOdkNZNm5Jc3U2ODBrZHJLX0ZlbzJvMF95cVVZdXBSRlJQZzRvYWVsT1U?oc=5) · Radio Monmouth, IL
- 2026-07-19 [Warren County Fair Goat Show Results - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMic0FVX3lxTE9Wb3hDY3ZLYUR0V2NMcTNtNDlMbGx0U3RjbmM0M1hjeVJ5U1gybmdlaFpkbERnTi1TRGhrcy1UZDBqMUdGazRQSGg2NjZ6WlZzUnhzclpaSm11U0VkbU52QkNaaHFVYmxmZHRWUlJac0hhd28?oc=5) · Radio Monmouth, IL
- 2018-06-07 [Man seeks mental evaluation - The Des Moines Register](https://news.google.com/rss/articles/CBMipAFBVV95cUxPTnpxWnVfbkRqamhJVmFKN0V0SW4tUGN5eWVjVXZ1YnVUWDFNclB5bXJ3d3BvTTZ0NkkwWlpEZkJVMTBNZC16R0p4RkgwdFZxanRNQ1czR0d3SmlEdF9JZm9CdnVBSFotei01YUxITU9DOEZiVDFHUGVOdFIxTUZKWk53NDRHZUJZaGtxRnNaQlRRa2NydU1tdkhkNVRuOXpkc2hsTA?oc=5) · The Des Moines Register
- 2026-07-16 [Results of the Warren County 4-H Sheep Show - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMifEFVX3lxTFBLT3pGRml0bVpJclFsQlZTa0dsZlpHd1Z1ejVkYnFaNkhnbDhWY2NIQkpYNEtZTFVGU2VoNWRaalJiZkdyRHh6elJOUWtGbTVvU2ZyYWQxUkZJY2xsYk1NS3JGNXJsaHppVlJyX1NuemZPMEF2ZUUtX1RKQ0Q?oc=5) · Radio Monmouth, IL
- 2026-07-31 [Henderson County Fair 4-H and Junior Cattle Show Results - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMijgFBVV95cUxOd3NLX21XSWxwV21tR2htLUlsN2dxeDhJSGNsVVh2NldYVEFybEJtUzlLaGktVWFkNkNMSDI3VnVMZm9CZ3FiZUlsM0dOUEZ5QnhqeGQ0cXRJSmFzVHJ2cU85NE5zQ0lDbTRDdGJ3QzE0S1JZb1Y0VTNQWERZam4wTWpfVkpzRGVWOWhsQnNn?oc=5) · Radio Monmouth, IL
- 2026-07-13 [Results from the Knox County 4-H Cattle Show - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMifkFVX3lxTE9GRUpJOVJyczZLUkdjSFRBZi10ek1uZGtjNXQzTW0tel9MT3BhOVNjUGRyam5USFlaUUdKN0RjUDM5dUxCeGw5c1M5Q2hSUWRXR2x6dUR4X0EwNFdTamw3S2JtcDExZk13aEh0Z3V1VFVGMUtiYTl6eEJuTkpJdw?oc=5) · Radio Monmouth, IL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16413 (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/29.json (key "16413", 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