# NATIONAL BANK OF PETERSBURG
PETERSBURG, IL · FDIC certificate 16718 · asset band <$300M · latest filing 2018-09 · 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 | $143.2M | |
| Deposits | $127.6M | |
| Loans and leases | $72.0M | |
| Total equity | $14.2M | |
| Loans / deposits | 55.79% (p19 of band) | 78.40% |
| Liquid assets / assets | 44.80% (p77 of band) | |
| Uninsured deposits / deposits | 9.91% (p25 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.28% (p49 of band) | 11.34% |
| Unrealized securities loss / equity | -10.39% (p12 of band) | -3.15% |
| AOCI / equity | -4.97% (p18 of band) | |
| ROA (annualized) | 0.94% (p44 of band) | 1.02% |
| Net interest margin | 3.05% (p14 of band) | 3.82% |
| Efficiency ratio | 66.21% (p42 of band) | |
| Noncurrent loans | 0.51% (p47 of band) | 0.57% |
| Net charge-offs (annualized) | 0.23% (p92 of band) | |
| Reserve coverage of noncurrent | 229.32% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 10.37% (p39 of band) | |
| Auto loans | $3.3M (4.56% of loans; DQ 2.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | NIM <2.5% |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 0 |  | capital falling, charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |

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

- 2024-08-14 [Stacey Vincent joins Alliance Community Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQLXk0SXRTQmVheEV0OEZrSzZGT1FHeG1JUlVDS1NSTU01N3FmZ0Q0N1I2UkxvSUZBb3U1dUtHRXZoOE5OUlk3eTduU1FYTWx6WTQ1REg5TzVOa0tDYVNIQUgxekV4YXlXT0g2UEJwTmpxQml3ZS1YX09xdzJDcWlLa0RJYkJkWWJoN2JzNmlVSUF4MEE0UERGeE5Jcm5sUWs3MV9aYWJwMFc?oc=5) · springfieldbusinessjournal.com
- 2025-02-27 [Dale R. Brown - View Obituary & Service Information - hurleyfh.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1hY0RUZmxKeGFvSlhtODlHTFZ1MzlGc1RzYmtPSDFnRjhQS1A4dTZXcEtXTDFvRllhcDNrR1pNU0RqNzFTTWh5SHo2N01QbWZ1VFRzUC1vaDNmdUxKTDZTM053?oc=5) · hurleyfh.com
- 2018-08-17 [Fundraiser to aid Petersburg woman, 28, with rare stomach cancer - The State Journal-Register](https://news.google.com/rss/articles/CBMilAFBVV95cUxOeUJaX3k4TGNIN2ZuWUVoMjZRbzd1TjdoYXpDTmE2WU53UC1JRldIREhHWG1TRzJtWFFTWHB2SjZOU3A2aTBSZE0tMXd0SlQ4MDdLR1FmMHRfbW5PN3RDMnJjZ3RVYzVlQnhydDJoeW1LcEpfZGM3UUhZN1dOcHMwcE94WUZSeXNteXF6ZThBSU9nNUJT?oc=5) · The State Journal-Register
- 2023-12-15 [Alliance Community Bank expanding Springfield presence - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQWGF4dmJFbHJoc0RJODhHSWZfMzZaUTBVbENaU0xVN0VSVFFGQXluUjlJLVRtUGRKT3NRS0tLOW5WTTh2MmlXNl9ZamNZWjJOLUFFOWQ4NnRmalNHLVhFXy1meTV1elJYMkZrT1RXaVk4MTF3eVUxa3NSRzhZb19VRFBGbklYanJ4TGZNSkszV0xDdjF5NzBGSDJYYkZrSVNHOEhFMTkzVEJkdjVHTnJqZFdiX0dpQQ?oc=5) · springfieldbusinessjournal.com
- 2026-04-22 [Linda L. McCombs Obituary (2026) - Petersburg, IL - Hurley Funeral Home - Petersburg - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSHU0UHpqZHJfdFVNeEw0SnhjcWxtdjZTQlE3SFBHRFptWVpOUk1xekd1Qks0alJMMFg2dVM5WFBXX2k3VlFPd3c2dnZwaXdWbDNhRXhDV3g0SVJURmxqdnhvemNHeEVoSHF5dlExcnZGUXVXc2ZqTEtpeVNIUlFrc3V3?oc=5) · legacy.com
- 2004-12-10 [Jack Beebe Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRU15YmxXRFdINjAxNzh0UkIyaVFnWUdyN0xyRTF3VDY0eHRXLVhEVE5vYWl0bXlHQ2dZR09WYTRJSUhyeVdvZ21fNDlsWEZHR09ETnd6NFM3bXpDTHhGWTdoYmR4Ul9SNkQwUWJzemtkbkM0eGlQdjJkT081X3BJMzByUQ?oc=5) · Dignity Memorial
- 2016-07-25 [Oakford fire victims ID'd as husband, wife - The State Journal-Register](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMy1LV0Jud0JRT1BhY2xhSTlwa3J3RnFXSTFMV0NfM0R1aWxydUxzSjZfWmpZOWgzS0hkVmE1N3NWMHNKdlpfNHRRNEljYzhSV1FiNXM4VUplRjc3NmI2YVl1bmRQWVBhMldkazVFRVpJQ0o5cXExVFR2enpCWjhoMUhXOEVpbEl1?oc=5) · The State Journal-Register
- 2021-10-15 [John Root Obituary (1924 - 2016) - Petersburg, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbFpyamd0d3Jsb0FOcGJUR1QzZWxwdzBNRS1pS1otMUFjeF9XR2VZQnRpenJ1VmtHLU04TWdfOHl0UTZfUEJFeUpXWmFBTU5BbktzbVI5ZVBfa29na0hkcXBVdXFOR19VMGludmlJVHc0VUhlYnA0ZU5pMXcybXFYWVBB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16718 (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/14.json (key "16718", 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