# APPLE RIVER STATE BANK
APPLE RIVER, IL · FDIC certificate 17453 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $675.2M | |
| Deposits | $548.3M | |
| Loans and leases | $398.2M | |
| Total equity | $52.6M | |
| Loans / deposits | 71.91% (p29 of band) | 82.04% |
| Liquid assets / assets | 37.93% (p80 of band) | |
| Uninsured deposits / deposits | 29.51% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.38% (p78 of band) | |
| FHLB advances / assets | 5.55% | |
| Tier 1 leverage | 9.74% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -23.77% (p18 of band) | -8.10% |
| AOCI / equity | -2.04% (p8 of band) | |
| ROA (annualized) | 1.57% (p68 of band) | 1.28% |
| Net interest margin | 3.27% (p18 of band) | 3.91% |
| Efficiency ratio | 53.91% (p27 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 413.38% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 18.99% (p24 of band) | |
| Auto loans | $6.1M (1.52% of loans; DQ 0.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 63 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 3 | capital falling, charge-offs p90 |  |
| 2012-03 | 1 |  | capital falling, charge-offs p90 |
| 2012-06 | 2 | charge-offs p90 |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | NIM <2.5% |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-01-16 [Apple River Bank celebrates 75 years - The Monroe Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWVdlRXg0OFdielFfNUZzUEN5aTMwcjZRQ2c1V3lMbERfVlY2dnJId1A0VUJ3UTJlV2NEZ3ZmcDI0ZUZkc202TmpjZGEySGZ6S3ppZi1VT1JncGpFbTJCV2NmOXRCOXFwOGdiUjVZZmJOeTFQTm9vUzJNN0tfMHFXTQ?oc=5) · The Monroe Times
- 2019-11-01 [Jo Daviess County police looking for a suspect in an attempted bank robbery - WQAD](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNWDljb0U2RXNuQS1rZ0JXWmJVcHpXb1pEU1V4R1dQNk9uQjJoSWVtWC1POWhvN0FCTU1VQjF5eVZhV201Y2Y1SGdSTTJOVVdVeURFbmg3N2pPSEp2azM0VkxUQ1lYOEpyYjdZV21hYzVUM3VDb0oyYkRUTXB6ektGQ3dHLVRkQ2tQSEpBMzBEc2hCa21nQUlVejRaNzBzby11N3NiZXJBV0RQZ0puVThUd2NFRXFoWEF1cWhiSHlzSXlhX3BDR0l5cHlPWHpzRmh6bDg2dDBseHNhVm16TmxlTy1Yam91UUh3QXBsQQ?oc=5) · WQAD
- 2024-06-08 [Apple River State Bank names new managers - Galena Gazette](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOZU5KTnk1Mjg4MjJ5MGs2X0ZVbDBxeXZHZTl1M2JhUFo5Mk5QWFdpR3J2czc5cW9DczZObE9CZGFqRDIzWjZmSEVRSS1hX243WTdsZnh5Tng4VDJscVRTaWliaVpvU3dna3hHZ0lZQ3dCaTZGV2pxb2ZkR0FmUS1jVkdzaXVuMlNjRDg1WkMzLUdDSDE3SVJ6WlVZMTBxR1lKT3VGZTB4eDNYRVJnSkZlclNaUnJ3VFVBQno2MlpQbXZCT1lqZlVvV0FCVklFM25JYXdV?oc=5) · Galena Gazette
- 2025-03-27 [Apple River State Bank leads support of Dolly Parton’s Imagination Library - The Monroe Times](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZnYySVZGX1BVX0UzR2JVWGJWTjgzLUFfdm5ZYkJaaXdpRkZQX1hRU3pZZVhKR2JiVzRkMVRKYzlNd2wwNVhWak1sb0dueEtBZlJ2ZzNfXzFxejU0MV9BVlBrRVotbjZoQmhfTVVJOUpBa1V6cG4yT2RnVTFZaVItVEhjU0tVRUlDSFJ4TTA1Vjg5cHRTQTdmVy0wUkpmS1ZiSHNZeWpHbnFyQmxFdi1IRQ?oc=5) · The Monroe Times
- 2013-11-15 [Apple River State Bank president named chair of state bankers group - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMitgFBVV95cUxOdU9IdFFEeVBGM0pvOVFKcm5FVGduRUJpSl9zcFN4TzM4ZWp1RjNScDNZR2phZ0duN2JwNkNCQlprXzBXV0hzVUhtQXdGSlFqYUJXVzFwaHI0TDFPRmJuYkRjdW9Sb2FwaUxxSmJLaFR6c1R6SWc4aUhhVEdscmZTUHVudld4dXd5Z3pMQXJTNmZxdjNsblNoSnJESXVFcFp4WUxpN0gyTS1vRjVDZ2NhZ1VRMUNZdw?oc=5) · Freeport Journal-Standard
- 2025-04-09 [Community rallies around Elizabeth firefighters seriously injured in Hanover field fire - KWQC](https://news.google.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?oc=5) · KWQC
- 2024-03-25 [First Community Bank of Galena and Apple River State Bank renew commitment for the Dolly Parton Imagination Library Program - Galena Gazette](https://news.google.com/rss/articles/CBMikgJBVV95cUxQUFEyNG16SWVOVl9BMERSakxZTGJ2MlhyUnR6dFlhbVNYa09HQy10VWY0c0ZLZGRVY0w5Zkp0NmZHSGZaNnhZeDRmQkZNcHZLLWdBcEJacHZWTHVDbHV0ZHdYOEpXYjRwRW5HRWxKWWtrNW5vZTM0bTJ5TGtaOWNZN0hIRTNpZTFGMjJfZHNYT0lsTVE0SVItQXY3SndVNW10TVhHaERpSlhHN1RNdUFRYkhOeDUtVlJHa2hmNXpkVGdoR0lrZUF1TllRTl9zbXFRQUdTeGIwa1dONEhQaC16TTU2WVAwd2Z5RzJ4NDJFWVFhZW9SN0t6eW5SZzIzOF9xd1pTOHRveDJQRlMtOGJKRUdB?oc=5) · Galena Gazette
- 2025-03-12 [Apple River State Bank mascot debit cards bring community spirit - The Monroe Times](https://news.google.com/rss/articles/CBMipAFBVV95cUxNNWJJZ3g4RzkyVld2dkF4UC1rNWR2M0VBTUJRUldsWjVQZi16NU84WS1MdzJvUEszQnZ4eVBaOTBsOVo1ZXl5dFJxcWpMNWN4YnJJMlJ0WlVzcXYyakxCNjRHT0UwN0NBZHV4dDRHd0NhaEszZkNNSnAyVVhrQkJsdDdJQlc0T3A3OEpKUXJqdVgyWjZHY2JUNVJCSFE1emVIeU1NQQ?oc=5) · The Monroe Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17453 (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/45.json (key "17453", 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