# HERRIN SECURITY BANK
HERRIN, IL · FDIC certificate 17793 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $101.9M | |
| Deposits | $90.0M | |
| Loans and leases | $50.4M | |
| Total equity | $11.7M | |
| Loans / deposits | 55.36% (p25 of band) | 71.36% |
| Liquid assets / assets | 47.54% (p74 of band) | |
| Uninsured deposits / deposits | 1.83% (p4 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p55 of band) | 10.52% |
| Unrealized securities loss / equity | 3.56% (p86 of band) | 0.17% |
| AOCI / equity | 5.68% (p86 of band) | |
| ROA (annualized) | 1.15% (p71 of band) | 0.81% |
| Net interest margin | 3.52% (p43 of band) | 3.65% |
| Efficiency ratio | 68.73% (p39 of band) | |
| Noncurrent loans | 3.32% (p87 of band) | 0.86% |
| Net charge-offs (annualized) | 0.11% (p71 of band) | |
| Reserve coverage of noncurrent | 35.13% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 3.30% (p24 of band) | |
| Auto loans | $1.2M (2.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 2 | uninsured deposits leaving |  |

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

- 2010-12-13 [Chad and Jennifer Orso - Southern Illinoisan](https://news.google.com/rss/articles/CBMixAFBVV95cUxPSTh3UjY3bG9TbWtNWXFSSjJieHRTbTJqdkNWWTdGZ01CLTZYYURwNVhJWjl1MDV2a1dYSTl2cC1tYmRFNHpVT1gxVjJETDlZZFhxZW1aRjFENmJtbDkxZndTSFlzekFmR2x0SlVuZVZTb0JZd2JHQ2F3Z2hUcFU3UERuVTVPczNRaS1JWGtDRUw3X1BEUHRqSENIdHlBMXE3Q1NETVNmOENUWUczQmNzbDhmYnIwUWJkeF9jQkhHa0NkZlFh?oc=5) · Southern Illinoisan
- 2026-01-28 [Julia E. Lukens Obituary (2026) - Herrin, IL - Meredith-Waddell Funeral Home - Herrin - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQajlHOHhCZ1dOaERRTW5BWFJnckRENVV2dVMtbTBVTF94aXk4SjlVa0ZBXzMtcUhFYUF2aGFYUlJaeFFkZTlyUC0wUGRvVFJOYk9fRFcxMzlVT3FsdkI1X1V4MlVxZDA0MmxOTUM1ZVpGQW5IUUNGM3VreXZjVFZvaw?oc=5) · legacy.com
- 2010-06-28 [Jennifer Hall and Chad Orso - Southern Illinoisan](https://news.google.com/rss/articles/CBMizwFBVV95cUxPSEdfUmVzY0VDeU1zNm0teUJfdG90akNtcGtwRE5kMW92SWxmOE5hbkxmcm5qU3h0TDRndTYtVXUzcGhZb2o1OEJrejdZOTVWT3pBdDU2aFRwZWIzNUs5TU5nRUNXaG9MZHRxcGRTY2ZXNTdRTGNrXzNQVjJkdzllUENVMjhOZ2RSemFhcHJocUxNeUFFUXY1Qm1lN1FmaVNhcktfTnI5cWIxQTdnMUl1dEkxTmhWYUJSY3ljaTU3YTFwbzdaWGZETHgyMVM1bzA?oc=5) · Southern Illinoisan
- 2011-06-13 [Ashtyn Rea Obituary (2011) - Herrin, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQalg4M3BqSXNpZmpUVjBGdUc5cUJTeFUyd2NsQ214UDVpSFppN09YaXZXUUxhUkFsUXd6VUJjZF9nREk4UWgyT2drRkdoS0hpVWt6azh4cG5lbEtnRnA3UmJkRjVjTmoxbTNFVkdEMmhZTXRRZ2NfdGVfdmY4VlNiOEk1RWw3UzNUQW5DdEp3?oc=5) · legacy.com
- 2015-07-01 [Joyce Lawrence - Southern Illinoisan](https://news.google.com/rss/articles/CBMirwFBVV95cUxOOU5ENk03SDNQMFRFRmdBT1dEM3dSb0RmRFlFODF3SkxhZnROWnotQWxnS19wLTFoVlNXeUlMUUlUOFFFQ1hEZzdCSUM0UGUxaWhEUVVJVVB6WkpuTXlkTGpCd2ZDc0xrRy1WSUxVU2JiRFFXUU5DSy0yS1c1QWdwNWl2UjFRQ2tZbUZMYnh6Y1phNmtNVmQ5T2dMUG9GeFZ6c2JEeWRJOEtxN3FCVlNv?oc=5) · Southern Illinoisan
- 2023-02-08 [Karen Marie Coulter Obituary (2023) - Royalton, IL - Pyle Funeral Home - Johnston City - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQT080WTJxSkNvUlNTRV9pV2w0czlrcDZxYmRraEFWMUlRQnJ5ck02dmZhRkhzVkdZSGdQTnJibkZGX0Fpb2JKMWU2aENYdFNIU3ZzTXAtVGNONGZyWXdDWnN5VTJieFA4ZGhQN1Rwc3dET2VTVzVVY2FCelBKY3BIREN3?oc=5) · legacy.com
- 2011-02-01 [Ruthanne Matteson and Andrew Bagwell - Southern Illinoisan](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNT1dudzRKVTh6QV9uLVJUakVhRGRUaVZkOWxUZm1hVF96X3ZtQzQ0blM0MkhIOVVWd0tnMG14ZjA2bXZGbHRzd3VpeG4tZ3NNWVRlekIzVmMxOF9kQkRDQnVlaXB2NjExUmdfX3QwY0owdk9ZVmg5NXVZcFg0QzBQdTlLVWc1T2tKdHQweU5qblJITlBMbDFpcXE3SVJhZTV6aTNzOWw2RkpkdVhRLXRrdmdLVHFjTTBtLTBsLXRvOWVvaDBEUV9POWtjYjdHN3FaMVpDMHZIRG5GTE0?oc=5) · Southern Illinoisan
- 2006-12-21 [Madeline Neilson Obituary (2006) - HERRIN, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNGxkZWZqYUtPOWpzN1dnTEFBQUZfMHBORTdhV3BQOGhsS0lUUkNUSDNZSHB2T1Zob19uZWpGX0xMcUNnTlZJYk9BbzZuT3BuRUpRU3ppNFFJSXpiSThRa01RN19xNlUtdjVaLU1RSEt6Mkg3UDhwMzRVUEc0SXFkbW11YkJjamh4aGZfYnVQQ1lRM05jaWc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17793 (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/1.json (key "17793", 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