# NATIONAL BANK OF ST ANNE
ST. ANNE, IL · FDIC certificate 16752 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $126.8M | |
| Loans and leases | $122.0M | |
| Total equity | $15.0M | |
| Loans / deposits | 95.17% (p87 of band) | 73.59% |
| Liquid assets / assets | 9.13% (p2 of band) | |
| Uninsured deposits / deposits | 15.28% (p32 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.44% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -0.70% (p80 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | 1.29% (p57 of band) | 1.17% |
| Net interest margin | 5.00% (p90 of band) | 3.93% |
| Efficiency ratio | 62.14% (p41 of band) | |
| Noncurrent loans | 1.55% (p80 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p77 of band) | |
| Reserve coverage of noncurrent | 69.77% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 31.25% (p65 of band) | |
| Auto loans | $1.9M (1.53% of loans; DQ 6.18%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 2 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 4 | losing money, charge-offs p90 |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking | losing money |
| 2013-12 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 4 | deposits shrinking |  |
| 2015-03 | 5 | capital falling |  |
| 2015-06 | 3 |  | deposits shrinking, capital falling |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | deposits shrinking, assets shrinking | brokered >10%, wholesale funding >15% |
| 2016-06 | 2 | wholesale funding >15% | assets shrinking |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 3 | brokered >10% |  |
| 2017-06 | 0 |  | wholesale funding >15%, uninsured deposits leaving, brokered >10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2019-09 | 2 | brokered >10%, wholesale funding >15% | uninsured deposits leaving, loans exceed deposits, liquid assets <10% |
| 2019-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2020-03 | 1 |  | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 3 | capital falling, noncurrent p90 |  |
| 2025-03 | 1 | charge-offs p90 | reserve under noncurrent, capital falling, noncurrent p90 |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 1 |  | noncurrent p90 |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | liquid assets <10% |  |

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

- 2025-05-01 [Clyde Arthur Rattin - View Obituary & Service Information - Jensen Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE13UF9zZHJ6TFI4aTQ5WXpYcl91ODhndkRnb1lvRkpVNVdOanNTN3ROV1Ryck9nSmN4akhRa1ItYWM4Z3Zxc0VhV1hia2NxdDdPcW8tbXZrajVFVVVNWHFhTl9RZnFjUU4tb0d0OHNsOFJkSnM?oc=5) · Jensen Funeral Home
- 2018-07-27 [Bennett David Sopko - View Obituary & Service Information - Clancy-Gernon Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1mN2wtNDdtMC12dU9nWTJFRFlPNGlPNXg4ZDR3MlFYYk9RRkFJNE5XWklyVHBEMTJNVENGT3dvb0dKRjNFZnFfWG9DcXhHTmJYTDFOY3NKNVpaWmVib2MwZXpBZWxGQ0k?oc=5) · Clancy-Gernon Funeral Homes
- 2022-03-23 [Joyce Meier Obituary (2022) - Kankakee, IL - Daily Journal - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNjUwUXpyQld5ak05amNFcFFxMmdmdXpvU0pVdTlRS0d6TjF6WXB6TFdBVTY1c3IzNVRiVGtYaHdnd3VnQkQ1VUkzOG9ud0JHTDNqTHV3QU44TFAzLVh4VlN1SjFvMzU3ZWJBcVhvT3VOZTNZczV1cUd5LWQwMDY4UXJyUGFmVkpFeWF2dDk5LTNyZw?oc=5) · Legacy obituary
- 2022-01-06 [Julia Donegan Obituary (1941 - 2022) - Springfield, OH - Dayton Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSUV2eDRERWotNkdIak9DUExWVzlOd3oxY21MbGlGVDlHZGlHWDZKMDRhM21XUUszSHBjZllpdHF2NnZMbGhqWGZCQ1h4bjBHM2pBdGlMeS12OWJXWUZ4RXB5X3JyOW5GSkNiZWFIVUJkNzFIT3hwck5PeTYxUkV4Ukh5aHdyOTFLdzNr?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16752 (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/48.json (key "16752", 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