# PRINCEVILLE STATE BANK
PRINCEVILLE, IL · FDIC certificate 16900 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $124.4M | |
| Deposits | $102.6M | |
| Loans and leases | $70.4M | |
| Total equity | $16.3M | |
| Loans / deposits | 67.41% (p41 of band) | 73.59% |
| Liquid assets / assets | 35.71% (p56 of band) | |
| Uninsured deposits / deposits | 20.86% (p54 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.02% (p69 of band) | |
| FHLB advances / assets | 4.02% | |
| Tier 1 leverage | 9.23% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | 3.06% (p100 of band) | -6.57% |
| AOCI / equity | -2.96% (p6 of band) | |
| ROA (annualized) | 1.46% (p66 of band) | 1.17% |
| Net interest margin | 4.42% (p73 of band) | 3.93% |
| Efficiency ratio | 53.42% (p20 of band) | |
| Noncurrent loans | 6.42% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 26.53% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 37.44% (p70 of band) | |
| Auto loans | $696,000 (0.99% of loans; DQ 1.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 0 |  | capital falling, charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | assets shrinking |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 1 | capital falling | uninsured deposits leaving |
| 2017-03 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2017-06 | 0 |  | capital falling, wholesale funding >15%, charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | uninsured deposits leaving |  |
| 2018-09 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2018-12 | 3 |  | charge-offs p90 |
| 2019-03 | 4 | brokered >10%, wholesale funding >15% | capital falling |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 | capital falling | brokered >10%, wholesale funding >15% |
| 2019-12 | 3 | wholesale funding >15% | capital falling |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | capital falling | noncurrent p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | noncurrent p90 |  |
| 2021-03 | 5 | NIM <2.5% |  |
| 2021-06 | 4 |  | capital falling |
| 2021-09 | 3 |  | wholesale funding >15% |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity |  |
| 2022-06 | 5 | securities losses >30% of equity, assets shrinking | NIM <2.5% |
| 2022-09 | 5 |  |  |
| 2022-12 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2023-03 | 4 | wholesale funding >15%, deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 1 |  | assets shrinking, wholesale funding >15%, deposits shrinking |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 2 | capital falling | AOCI drag >20% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 5 | capital falling, losing money, expense ratio p90, charge-offs p90 |  |
| 2024-12 | 5 | assets shrinking | capital falling |
| 2025-03 | 1 |  | securities losses >30% of equity, expense ratio p90, charge-offs p90, assets shrinking |
| 2025-06 | 3 | noncurrent p90, reserve under noncurrent, deposits shrinking | losing money |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | deposits shrinking |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2024-04-26 [Merger plans announced between parent companies of Midwest Bank and Princeville State Bank - WEEK | 25 News Now](https://news.google.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?oc=5) · WEEK | 25 News Now
- 2026-05-22 [1870 Holdings, Inc. and Rushville Bancshares, Inc. Announce Merger Plans - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMingFBVV95cUxPSXZ4SHNsTmg1RnV1T0VSenlTTjMtUTRxeGRfS2ZvS0doMUYzYnJYNGFJbjFBZVdSbFZfVlp2VlhTWll6T0hwb3U4WnRlclByTnZNZGNGOU96NDFDUnFrc3JxdjQzX095LU5lcGt5dU51ajE4S1VKa1pQOWs5Y2FBN2U0b25qMS1oMVdvc1VxV3JFZnJyTVBKb1dxQlhJdw?oc=5) · Radio Monmouth, IL
- 2021-06-30 [Obituary information for Doris Michel - Knapp-Johnson Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE5NdFBZbU9SSmlDdFVYT3loWmhobkdORi1WZFFLc290QzNJR2lKbHl3ZmZ4RDgxV2h5VXZ4QUpGaDZ6NUJSZC13TTdDc3dtMk9mLWFDbk5oLWEtSi1CLWhhM0Z2U0pMRENkNFdURFNlRGZUNTI0?oc=5) · Knapp-Johnson Funeral Home
- 2023-04-20 [GoFundMe, donation accounts set up for Princeville mom's family after Dunlap shooting - Peoria Journal Star](https://news.google.com/rss/articles/CBMizgFBVV95cUxQbTQ5WEZYcVpIUzhaR2F2aENVVHhSUXlvTjBMUUIwdl94TTY5dE5HVVVhMFRLMUFRbnZmMjd2R1dUTEl4YVo0TkUxdVA5di1tdEJXdDZrd3lJNERrdnp3RmhJeWZJQ0ZvaHgwaDlNMjJuY21nRlZPWFlVMU5kMEFnc09VWUJOVlktTG5rOFhraEgyY202N3puRWVScnZaWDZPRGVpczU0MDlZT2JlcE52VnFkOXdBTjJpYUtYN3BKb0ZmSE5nOUtUdU40cDAzZw?oc=5) · Peoria Journal Star
- 2025-06-12 [Princeville Heritage Days: Here’s what you need to know - Kewanee Voice](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZlg3bWxBU2ZRekNvY0p4Njc0R1MwMWtMcnBsQ3A4TG5iMEJMajhfWjlZN3lfTHZKampCMDJHVjhoMXBhczV4M2EtZERZa0VVSWtQYjE1QXR4U2l1ampUVzR2X1RNZ2ZPSFNjY3VJZ2pRX2s2YTkzc1dyVTVCOERzbVJwRTA1UQ?oc=5) · Kewanee Voice
- 2026-06-10 [Midwest Bank Expanding to Ninth Location as Parent Company Pursues Acquisition - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWTVLZDlxUld3WUl3MDFUTUxhNEs1Qm9XajBIbmFwaGFMZDZrX0U1YWxubVhxLVF6Ukp1ZG94OFZkTVF3aVhoTXVtNjJhQUNOLWZ6QkRZMWZiYk5YYng0QnpHS3lEUzNLU21VeW9QbHVBWE1naThxQkctMC1WS2l0SHRZRmNlUWU5M3lmZXVLb0hYVHVCWEcwN25uMU1LZjlaSVhhWGQwT2phRmc?oc=5) · Radio Monmouth, IL
- 2023-05-03 [Jeanne A. McCoy - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUXdxVzZLRjNGM002cU9QV2xkTXpMMVZlOEpaMVExSzNiYlhaak83TmlpakF1YVZDa2FmX0pLWlpFY0xabU1BVG1oRkoyNzU0elRkT2QtMVNxRTU3YlRTZDFWd0xqSldRTlVLbWgxSFByRWRjYWNGM21HMXgyM2ZFS0lmbHNhcmNhWEJQa3NuRQ?oc=5) · legacy.com
- 2016-12-10 [Richard Brennan, III Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNWWhLdVRlb0llQzlwNEZiQ3ZJZ3RHVDZRT3o1aTAyS3BOTHctYnk3MHFLbEZsZWJtMER0TXBadGRfSTd4Y1V0cnBCeUxBTnphcXVxVTZTVVktc3VxMTdNNGp0SVdSajB2ZnBtb3llWHg4RTBjcHB6TzE5Y1ZiY0hyRmRJLUxXUQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16900 (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/4.json (key "16900", 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