# SOUTH PORTE BANK
MARION, IL · FDIC certificate 17690 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $125.7M | |
| Deposits | $85.1M | |
| Loans and leases | $104.5M | |
| Total equity | $11.6M | |
| Loans / deposits | 121.96% (p99 of band) | 73.75% |
| Liquid assets / assets | 12.98% (p5 of band) | |
| Uninsured deposits / deposits | 17.05% (p50 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 22.61% (p96 of band) | |
| FHLB advances / assets | 12.12% | |
| Tier 1 leverage | 9.62% (p29 of band) | 10.95% |
| Unrealized securities loss / equity | 3.38% (p57 of band) | 2.60% |
| AOCI / equity | 1.26% (p48 of band) | |
| ROA (annualized) | 1.85% (p89 of band) | 0.97% |
| Net interest margin | 3.90% (p65 of band) | 3.63% |
| Efficiency ratio | 46.99% (p6 of band) | |
| Noncurrent loans | 1.06% (p68 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 71.29% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 79.85% (p93 of band) | |
| Auto loans | $1.1M (1.01% of loans; DQ 3.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | losing money, charge-offs p90 |  |
| 2012-03 | 3 | capital falling, expense ratio p90 | charge-offs p90 |
| 2012-06 | 3 | NIM <2.5% | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 3 |  | NIM <2.5% |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | losing money, expense ratio p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, construction >100% equity |  |
| 2018-03 | 1 |  | construction >100% equity |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2020-06 | 4 | wholesale funding >15%, uninsured deposits leaving |  |

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

- 2020-06-20 [SouthernTrust bank merges with South Porte; will be headquartered in Marion - Southern Illinoisan](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOampyNEhUS2hBNmktTllqNm95NWt1VElTLW85WjgxM3JWYkJQdG1XTVZIZUV2WDlSYWtZTDhJS0JKanJzOW5TaVpTU2RGMVJHdWN6M0FRb01xWEFhT2ZvUk9mM2g0UDRtVHdQc0x3ZHBMeXJYUmtpdXZldnFGb3RvUTlpcUczRXViU0R6WGtxYS1Rcy0zSGpMa1VpYTdmaFNrUkRDdEc3VmZlekR2WlZYa1RXbHRPaGl5ZW9zUWE2cHBNQ1NsRkMyRU1ON3ctUWhZUENfQktyUW84OTdlbTRQOENCUVVOeXlqdG9SaU5Md3lnbHhYVHc?oc=5) · Southern Illinoisan
- 2014-06-06 [Southern IL bank protected by 'Smith & Wesson' - KFVS12](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPN3AtbHM1N2NJeTFiRzB4alF5TUNNMG02NkVVZmc0UGV3WEdmMTNuR1RpQzA5QjBkckI5RXNhUHVpZno2cC12c3dlVkt3VE9PdUtvQW5pZ2d2d3JJLUdLZzBjeGNRUTBVcUYwbnhySGFYZlA4WVdYNzVOVFNQVmstZmZBVHYyajJi?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17690 (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/26.json (key "17690", 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