# WENONA STATE BANK
WENONA, IL · FDIC certificate 17401 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $39.6M | |
| Deposits | $34.4M | |
| Loans and leases | $13.8M | |
| Total equity | $5.2M | |
| Loans / deposits | 39.49% (p13 of band) | 64.60% |
| Liquid assets / assets | 61.27% (p85 of band) | |
| Uninsured deposits / deposits | 2.11% (p2 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.78% (p66 of band) | 10.53% |
| Unrealized securities loss / equity | 4.72% (p88 of band) | 0.67% |
| AOCI / equity | -3.27% (p22 of band) | |
| ROA (annualized) | -0.80% (p2 of band) | 1.00% |
| Net interest margin | 2.36% (p14 of band) | 3.26% |
| Efficiency ratio | 132.53% (p98 of band) | |
| Noncurrent loans | 1.18% (p75 of band) | 0.41% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 111.66% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 0.39% (p18 of band) | |
| Auto loans | $582,000 (4.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 0 |  | losing money, reserve under noncurrent |
| 2011-12 | 2 | losing money, expense ratio p90 |  |
| 2012-03 | 5 | capital falling, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 3 |  | capital falling, assets shrinking |
| 2012-09 | 4 | assets shrinking |  |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | noncurrent p90 |  |
| 2013-09 | 3 | capital falling | uninsured deposits leaving |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 |  | uninsured deposits leaving |
| 2015-03 | 5 | losing money, charge-offs p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2015-06 | 2 |  | losing money, charge-offs p90, uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2016-06 | 5 | capital falling, uninsured deposits leaving |  |
| 2016-09 | 4 |  | capital falling |
| 2016-12 | 3 |  | uninsured deposits leaving |
| 2017-03 | 3 | capital falling | charge-offs p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 |  | noncurrent p90, capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | uninsured deposits leaving |  |
| 2018-09 | 3 | deposits shrinking |  |
| 2018-12 | 3 | noncurrent p90, assets shrinking | uninsured deposits leaving, deposits shrinking |
| 2019-03 | 4 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2019-06 | 3 | noncurrent p90 | assets shrinking, deposits shrinking |
| 2019-09 | 1 |  | uninsured deposits leaving, noncurrent p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2020-09 | 3 | uninsured deposits leaving |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | losing money, expense ratio p90, NIM <2.5% | charge-offs p90 |

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

- 2020-06-15 [Obituary for Hazel W. Judd - hurstfuneralhomes.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTFA2WlQzcm82ZFRtMXhiRzkxbjJVTFQ4VmI0YWRPbHpBQ1BiRlc4WFNlX3ZfNC1iRTMyWUpYQnJfNFlwUDlBRmJ6MjdGMHRrTmlZNUpXY05hY0E2blBHLTAtZTlIaw?oc=5) · hurstfuneralhomes.com
- 2023-06-04 [Tom Pigati retires from Eureka Savings Bank board after serving 25 years - Shaw Local](https://news.google.com/rss/articles/CBMixwFBVV95cUxPMF93Z3QtZ3Z5MDJDbjRINFFlbmhqVjZCR0phNk84ZUJWekJ4d0ptekk1WWp4OHBlZzhIbkowSzZPdllOZ1RnNTdhZHF4WmtuS3VIbmQydXNiMjNMNjJLdU9NZFcyZjR5TE9vbXpRUndSejBLbzhWZDFYRnJlQzNZRzFHTmEyMmpHaFNManQzQy03V0pBN3REMEt4cGFuZW9GSXFyc29falhsVWtGZ3VqRHFFM2ZPN0JqYzlUeFZrOXRVbDhEdlNz?oc=5) · Shaw Local
- 2024-02-21 [Bob Kurrle Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9heHZjaDMzRXV2U0h5RXg0WG95cHRNM01TUDBlRE1mWGR5RTBfOUZmc1Uydy0xZlNBc2lWS1ZpRU9jQ2xMLWcySDY5cmR2Zk41ZklJdzEwWTJwRDZBbnI0MEN2THpRT0U?oc=5) · The Des Moines Register
- 2026-03-18 [Obituary for Carolyn Anne Akridge - hurstfuneralhomes.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5DR2paQ09CcVBKU1pmM1ItRUxfR2hDektSM1VWVDN0YUZHY2xxYXRYcXZ2ZUs0Rks2ZnpndGpSa1VnUXVtd2xUc01udnA1LUhtblVsUWFhNmVpcWxEYkhKeHBrZTdiVkJXc1E?oc=5) · hurstfuneralhomes.com
- 2025-11-11 [‘Shark Farmer’ shares life lessons - agrinews-pubs.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZHY0TmZqTS1rNkRTWENtMGRISTd5QlhFNlJxajVSRmJqSW9KbjktNmJsal9hbjZaQ2ZZQ2FrUXByMlhQNTA1akt5d0l5ekM3MjlRNVRKX05FaW1CTUdES2wwZUQ1aHozRDhycHJkb2pJeklCZUtoVEgzeWRKVGJoSWEzcTlVQTUtbHRB?oc=5) · agrinews-pubs.com
- 2012-03-11 [Ralph Hallam Obituary (2012) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNejIzQnRwTUNyWFYzZGF6TzFIOWs3aXdWVzFOcnd6MVpYT1RiUFRDTFBZZ2o3WjFla1Zyd0xxMDByd21mOXZQa0ZxekNqQWdZTUhIemtxT0gxczVMNzRtT3IyQnlmeUZjMmpDeEhtM19Kc1NsUUVScWk0UFBkd3ItZ05ZVzkyZS0yVVE?oc=5) · legacy.com
- 2010-10-31 [A. Manning Obituary (2010) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRHhyMUw0ekcwUkJmSDdmREZ5bzZXTHIwMVpySUNmbU0yUVJEeGtNVzFHbmNhVHpxRmk0a2FtMTNGa1NxTmUzLUZmUERyZ2F2b3gxQzVXTklZWUxkWi1paFNGUEpvbTQ4d2RYM1JJV2VadFZrYzNzLU9yZGJuc0dUS0l6T0ZiUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17401 (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/57.json (key "17401", 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