# POPLAR GROVE STATE BANK
POPLAR GROVE, IL · FDIC certificate 16483 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**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 | $82.5M | |
| Deposits | $65.6M | |
| Loans and leases | $30.4M | |
| Total equity | $12.6M | |
| Loans / deposits | 46.34% (p13 of band) | 73.75% |
| Liquid assets / assets | 53.16% (p83 of band) | |
| Uninsured deposits / deposits | 14.80% (p42 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.85% (p66 of band) | |
| FHLB advances / assets | 4.85% | |
| Tier 1 leverage | 11.89% (p61 of band) | 10.95% |
| Unrealized securities loss / equity | 2.47% (p48 of band) | 2.60% |
| AOCI / equity | 2.45% (p66 of band) | |
| ROA (annualized) | 1.48% (p77 of band) | 0.97% |
| Net interest margin | 3.31% (p34 of band) | 3.63% |
| Efficiency ratio | 51.02% (p10 of band) | |
| Noncurrent loans | 0.38% (p44 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 51.28% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 18.64% (p57 of band) | |
| Auto loans | $258,000 (0.85% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 2 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | assets shrinking | noncurrent p90 |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 1 | reserve under noncurrent | assets shrinking |

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

- 2013-10-09 [Historical photos: The Michael Mayborne case - Rockford Register Star](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTGlTc28tRDdScFhFVlJxQW8wT2h2Z0IzZ0I2UHo4WDR4VHZ3b1pDQkxBcmxEWGlaVllxYkVnR3dnUnd6OTVGNEo4MkVfY01VTVpxVFg5d0VUUEJrX1hSZzFRZEZPeGJ3eEE0dUhta0pvMWFoUGk0dUk0SFQxbFNoanZzSVd5anN5UkpPNXJaa1ZzTnV0NHVDSjlWems2SmFJMjNoZjQwSHhFbDFXRGFZ?oc=5) · Rockford Register Star
- 2017-11-08 [Obituary for Pamela Lynn Dahl - Honquest Family Funeral Homes](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBJaFZHOXFSVk1uZnlYamp5bG9iVGVFNlEyRDhQdE9MeXVJX0xIQkV2ZnhrSUZ0dE1uQ3p3bUQ5WGFTUjRiSkdKQWxJSnJuVUVZd1lkSlFoRHU1T2M?oc=5) · Honquest Family Funeral Homes
- 2023-04-23 [Jordan Taylor Cram - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTW9PcE1oeFRHbXVPaFdKZ1NGZGVXTEd6RkFNZjlVNDVTejBwRGl5UUpPRURIRDhnd1VvY1d6djBZWXBPd2x1LWVIQ3J3LXZCaWRSbmJHeURtWEwwMy0xcWcyTDVSSWozWU1qUklQMC16Rm9IMEhOQUpvektCMDdmY3Y2a0xMblhmQlhtNkF3?oc=5) · legacy.com
- 2019-01-22 [Edwards Apple Orchard founder remembered for his energy and innovation - Rockford Register Star](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWHZ4dllNeGNlUGs2Ny1HMHJMY0J6QU5xV3VheUJoM1FZTnJpb1IyQ3pRODFDQkw5WVNEQW1OVWdUM2pWUU02bU9wOGRYd1ljYTdGZzBJR24yZXJ4T3BKeDlUUnZmWFMwZUlZM0RZand5bFBRMXVXSzR1ZjJNQmh2Y19LMVBoem5zX2oxXzBIMXE1eUZVSVdPdUN4UHk1MUlfOHBaem9n?oc=5) · Rockford Register Star
- 2010-06-25 [Cop-killer’s parole bid unanimously rejected; next chance in 3 years - Rockford Register Star](https://news.google.com/rss/articles/CBMiogFBVV95cUxQd18yLUM3SzJ1dnNmX0stenNpMlVhMFFXdnpYSTZKRTNwbmphX18td1lpWTJGLVV5dWxBcmUyaC1ZSEt4dVVHbHl6eHN1M0FKUWp0THdzcmc2QzN2T2dYb2VPNnJhaFFGSDRwamdGU0dWaElJLWtXRWxXYm5kRGF6Y3N4UHJIdkhTUlJXWHg5ak9sLVplRDg0TzJwaHJyMDYtVEE?oc=5) · Rockford Register Star
- 2013-03-15 [Belvidere chamber's civic honors go to Dick Van Evera, John Wolf - Rockford Register Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxQajFESEpGNGRlVTlleFVVNUZpQjZnbGJJRTJ5eWxZY3l0cnFUTWhEMUQ1T3FCX3FPWHVqWVR3YnQtS3FEZGxSLTlNOUo3ckZ3VThHSXFsWklXN1EtdVluVkM3TXNudkJabnB2QnkweVd6cEZSVFNQSFQ4d0VxMUMxbEJpcDhoVDRfd2xNLUtlUXVsSnQ2?oc=5) · Rockford Register Star
- 2008-04-29 [Cop-killer Bacino asks for delay in parole hearing - Rockford Register Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMzZTS0hlOFpYUjhSV0FtSVVUeHJvaWFVUGt5eEV6N0lGYXQ4d3N1dFJBWko0S01Ianc5ZURMc0NtT0ZQUWc2bkxRNGYtVmNxU3dsSmUxTi1kYzdhcm1qNlMtMUlrSnRoUVF3b0ExQ3V3ZThHd1RTczdPeHNOUmhKcUN2NzNkdC0yazNvcUlZOXotcHYt?oc=5) · Rockford Register Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16483 (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/35.json (key "16483", 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