# DURAND STATE BANK
DURAND, IL · FDIC certificate 17713 · asset band <$300M · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $135.8M | |
| Deposits | $118.5M | |
| Loans and leases | $59.4M | |
| Total equity | $16.7M | |
| Loans / deposits | 49.93% (p28 of band) | 61.86% |
| Liquid assets / assets | 49.65% (p66 of band) | |
| Uninsured deposits / deposits | 20.55% (p53 of band) | 19.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.19% (p28 of band) | 10.43% |
| Unrealized securities loss / equity | -1.82% (p20 of band) | 0.00% |
| AOCI / equity | -5.35% (p18 of band) | |
| ROA (annualized) | -0.11% (p5 of band) | 0.96% |
| Net interest margin | 2.70% (p23 of band) | 3.26% |
| Efficiency ratio | 98.22% (p94 of band) | |
| Noncurrent loans | 0.25% (p48 of band) | 0.28% |
| Net charge-offs (annualized) | -0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 136.49% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $1.4M (2.30% of loans; DQ 0.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | losing money, expense ratio p90 |  |
| 2021-12 | 3 |  |  |

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

- 2020-06-25 [Illinois Legion post celebrates centennial with keepsake book - The American Legion](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPTFdyTEw5OEU1VUtYbC1GQ3RuNkhXamEyZTZ6UVpYbDJPRjZUX3dKWld3V09sbXloU1JXcTBfSXhMT1F6ek1WYjJHMmVrNHM1OUFZYkZzaTV6ekw1Q1NXdWNLWnNhcFhUSUxiR0pRS1o0MERyazhFcHo0bzJ2Y0R5X0FZSDJuQXNBVHhhTVRDUFF2d05hbnZBQXE2MVJxcFpZb3hZSVdBUWQ3cVBIMkZ1Nnp4Y2NEMlk2Z0xZSnpRUnhWWE1jaV9Hbw?oc=5) · The American Legion
- 2025-09-25 [Shirley May Eisfeller Obituary Mar 31, 2011 - lawjonesfuneralhome.com](https://news.google.com/rss/articles/CBMickFVX3lxTE93M2pWR1o5eERHNWlMd3p1YWtRNUdXUG9iS3lNMTNkeFo4LVR2VW5SNk1Oa09ua2paYkl3NEhKekRELS16emtkOU9sR2pob3NxeTd5cklDRDh6MDA5Q3RVenRVdV9fdHhjOWJlc3JWWkhvdw?oc=5) · lawjonesfuneralhome.com
- 2020-02-10 [Richard A. Faerber Obituary February 10, 2020 - Fitzgerald Funeral Home & Crematory LTD.](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBOeDlQRlZFTGItcDVpaUVwWFlmcndVb2tzQkNGd2x0YzdSclVBX0MyZzdrWjhYUzlyQnZQX01qSDRzQVBPLUFham1GY01UaFFpVEFuZzFENkVTeWx4VWlBN1RGMW5uVHRG?oc=5) · Fitzgerald Funeral Home &amp; Crematory LTD.
- 2019-02-25 [Francis R. Tielkemeier Obituary Feb 25, 2019 - Walker Mortuary](https://news.google.com/rss/articles/CBMibkFVX3lxTE56bzZ4aGxycFpCdi1IblM3Zkc0dExXZG9GV2pDYnQ3cVFXb2dYa0xmcVg3bi1DRmM2aVJnQTU5UGJfQzBMbVVmT2tBTThGYVR1T2NmNG1FZXlWdzlkMVI2SklqbWozQnZyemtJTjBB?oc=5) · Walker Mortuary
- 2016-07-31 [Cornerstone Credit Union names new vice president - Rockford Register Star](https://news.google.com/rss/articles/CBMilwFBVV95cUxNanozUjhBSEd2a196QS1UREItdGtMRGcyTXZnSHlJZFJvTkxNQk1MYVduWjJZOUhNTWN4c21NckJWYk5ZdGN2b1RWOVRCUVdoMXZmR3dsVU9UbFdqeWkzLWFreUFuRmZwaGFHNnFRZU1vMVRmbWl3bGtLNkJpZkkwU3NRY0QtbUVvb2ZOdk90V1BzaHktbjFJ?oc=5) · Rockford Register Star
- 2021-10-08 [Charles Norland Obituary (1935 - 2017) - Davis, IL - Rockford Register Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQcnhQR3hNYkJCbHl4MDVudlA1YUpNa3hzZkk5Z0t0VWhxWmwtbEZtZFp0RlE3enIxMHJQamd0clBBQWpkZ1l3b0I0dTctZ3c1MEpGaWw1Znd6U1lheHlIV0EyZlBRUmx5TXhILW9abmFzcTZmNkJkMGNmMGkxQ3BJem00TVBicHBNanVWcjBR?oc=5) · legacy.com
- 2021-10-29 [Robert Haggerty Obituary (2008) - Rockford, IL - Rockford Register Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNelZRamxiUDhKY19idm1iN2dTYXVHVzRMNEdYcS1pUGtVUXRBcEVMTkZ4MlB0OGpteFgxeEpOcEJVUERoWmZZRG82ZVFBOGRlanJ6LUpNcmJOTGdTLUY2aTRzY2xmRUcwTXRaWlFjNTdVRzNnMkxRU0kyemthc1FfaFYyXzZ2eXU0NHc1LXdB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17713 (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/49.json (key "17713", 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