# FISHER NATIONAL BANK
FISHER, IL · FDIC certificate 17513 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $375.5M | |
| Deposits | $326.2M | |
| Loans and leases | $284.9M | |
| Total equity | $33.5M | |
| Loans / deposits | 86.59% (p63 of band) | 82.04% |
| Liquid assets / assets | 18.50% (p27 of band) | |
| Uninsured deposits / deposits | 31.25% (p71 of band) | 25.97% |
| Brokered deposits | 5.33% | |
| Wholesale funding | 8.95% (p74 of band) | |
| FHLB advances / assets | 3.45% | |
| Tier 1 leverage | 9.00% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -11.79% (p39 of band) | -8.10% |
| AOCI / equity | -0.85% (p28 of band) | |
| ROA (annualized) | 1.62% (p71 of band) | 1.28% |
| Net interest margin | 4.10% (p61 of band) | 3.91% |
| Efficiency ratio | 59.22% (p44 of band) | |
| Noncurrent loans | 1.31% (p80 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p79 of band) | |
| Reserve coverage of noncurrent | 66.73% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 72.09% (p73 of band) | |
| Auto loans | $3.3M (1.15% of loans; DQ 0.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.1% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **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 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 | capital falling | securities losses >30% of equity |
| 2023-09 | 2 | wholesale funding >15%, securities losses >30% of equity | capital falling |
| 2023-12 | 0 |  | wholesale funding >15%, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-01-16 [Fisher National Bank looks to open new Georgetown building this summer - The News-Gazette](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOOU9YZk1fX3UyaVlDTXpFSl9lb0tqR0V5LXRLaVl1VFpwTndReDItMWVUZmRGOWRUaTMwcm5fekZqMkhMR04yV3JDd0RtNG1oM0cxQU9SZHR5cXJDZ1hYVXZSZ0lIVE5zVnNISm0xV3ZmREEwXzVpZWVSakV0WTExM3QyVzZWeWFPVlhrYW9weUJQM0xFWWVTNXZwN3dTWjJfUkJfVjVHYTdMNVdSN2U5QzRtZHpfODVrYlowNERxRWNXckN6SDFYaks4eXJDRm8xdmllc01XaGxqUnpGUlhfY3MzR3NKQVJUU2NIelR1OA?oc=5) · The News-Gazette
- 2026-05-13 [Champaign, Vermilion County-based bank issues scam warning - WCIA.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQT1BUY2hGZkV4anBEZWRXSFpWUERUNUFocmR2V09CSjlkc3BwZkNhX3BWSzVUUy1jN1EzN0J3cE9obm8xLTVMRmZoOFpwQkZBTHpVOUJLMG9tWEVGUWFHTjByTDB6Qlo0MDllNVkzN3RBcG5QaklGWjc5RGIyRzhrTkhwYjl6OFJNQU1XTk1ROEwyV3o1Yy1tN1ptRdIBoAFBVV95cUxPTHVwRUJUbVNWWkNkRTdNYTNqV1JiWmVNOW9zUHlLWk1STGxxX1JDMzhkMkg2T0RldGRBcFhjR1M3aHQtWEk5R2Rod2ZDcVZpVWhvWmxXSi1vTG5yQ0tLbm9yalczakFZYmp1MVlWNjVCMUp4OG9kZUU3S2o3OWotRlRkOVRHU1hWZGJvUjVLSXAwLXE3dnVkLWdDWkp3N1My?oc=5) · WCIA.com
- 2026-06-18 [Live on North Festival Set to Transform Downtown Danville with Music, Food, and Community Celebration - Vermilion County First](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOZFR2b2hrcmdVdld2Y3Y1WWNSTzhBTHl3QldJMVFRTW9sN2luS3k2UlFGcmpRS0N2T3h6aUd5cWpvX0hfT3YtdmEycnhDTFlVTEJ3RUltVmswRWpUQUVRQlpxRjBuNFQ2OVdNMnEwSkJKQ2pRRUc0RmdKWDI1T2hBd3l1R0VwaGViODU1UkhLbzBTNWxpcE54bHFzV0ZXamxiRmVvc1VHV2FmMFZTX0VKaXBjM0tiZmhEanZrdklNQmtRaWQ3MFJmUGZfaDZJazFlX29jZF9IamE3d0ty?oc=5) · Vermilion County First
- 2025-09-27 [Milton Kelly Obituary (2025) - Rantoul, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQZUVBQ0k2eFhnTVdNbnduTVAxbWE5dnhBMkNKTXV3TC03UWhhTVV5b015ZVVPemYtaE5kaGtTTU5zak1xVUk0dmV0MU42TmlEaW5tdkxQZWJHQ0k4QjJvamtrYTZTcTg1SkZINEFBMVlCMkdwVmw1Y2FVSTA0UjhBUkZhaTFBNWVQQ2lkM1g3X0cyQQ?oc=5) · Legacy obituary
- 2022-12-18 [Beyond the Boardroom: Fisher National Bank's Mike Estes - The News-Gazette](https://news.google.com/rss/articles/CBMi6wFBVV95cUxORjJ3TmhaWkt4cUVySW8yYTVzaUpXZ2xZbUtPR3ZQZ1MyT3Zyb0QyUEM5LVdQQXJQSG03cWJNZTFsTk5HekdNRTBXYXo0MzlMZDYtdUF6dlQzQ2tDem0xRGUxYmdOdkFRZXlDU2c1UFkyb1RrTFRuZGRQUWo3VXdRWHJlME8wMmNiU2QzZENqaXhRQ3NJMHJIbU13TFRDbmcxY2Vsa0g0MW5OWW1adzZCRV9FbF9FWkdlYkZDRW1XN3daRHQwSnRYdkpGZVpDYUF4NFRJT0lPdXFZc1V2NGhva3ljVmFodjNESURN?oc=5) · The News-Gazette
- 2026-05-07 [Balloons Over Vermilion 2026; New Location, New Time, and TWO BRAND NEW ATTRACTIONS - Vermilion County First](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPdTFndDBKUm95MzE3TXRCTnJBWm5EUWxkbXFnY1JOdlBtWVFCUTZQd2lqT3huUmN6THNfYlNJcmpKSGVjbDFjbVBtZUpOQTkxY29rV2FEYVlXUDFKWERRLTYzUHlPbmN1bW1Gb3BtX2hQOVBSTHEwQzlOdE9DSTdRWkJ0amQyaFdCWVFpYzZnN1M1WVdLcVlRU0YyTmFIZTl0YS11SGNIQndrdG9PZG5md2J3VUItcF9tOWtmY3lZOUhiR3c?oc=5) · Vermilion County First
- 2023-08-23 [Denise Byrd Obituary Aug 23, 2023 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiYkFVX3lxTE4zSGRQWHpzQlhZSHVZNjJzR0NjdXJwYkp5VDBrSTNndGVCT0hNX0Z2ZXIyZ1VDN0NEdXhDSDdHLWRvSzF4TElMaXZNVGxTRkVjQXB3VGRhZ1d2ZDB4WG80WHVR?oc=5) · Sunset Funeral Home and Cremation Center
- 2024-06-30 [Fisher National Bank CEO: 'We've all been committed to growing' - The News-Gazette](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQYlg5b2VrNTJDZzZnNmRFeDdncTRZUW5jcGRXN0hfZVViS2dSUUtNdzdqRlczNkdfRHlOVk5QaXpDVW5ZS3hDQTAtUzRZNGRvcGJsLWpaLVRoTV9vQmN4NnprTHBTeGZhc3Qyc0Y0YTJfYWZvbS1GdVJWYk9Gd05KM280SlV5M09IbWlmRjYzZWl6cmNMTjg1TnpNVnlrYTZuS25aMjJaZkxLeUJTZW92UlpkRDJJTXMtY0ItT3NKY0pzSXowbXJFN3ZhbFRfazBMdUhOcTR0UE44S1Q1cjFFdkJUbmxxTWlhVENv?oc=5) · The News-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17513 (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/41.json (key "17513", 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