# ROCHESTER STATE BANK
ROCHESTER, IL · FDIC certificate 1787 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $114.8M | |
| Deposits | $101.9M | |
| Loans and leases | $20.8M | |
| Total equity | $12.8M | |
| Loans / deposits | 20.13% (p4 of band) | 64.15% |
| Liquid assets / assets | 81.24% (p97 of band) | |
| Uninsured deposits / deposits | 32.72% (p88 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p25 of band) | 10.40% |
| Unrealized securities loss / equity | 17.08% (p99 of band) | 0.89% |
| AOCI / equity | -11.40% (p0 of band) | |
| ROA (annualized) | 0.56% (p24 of band) | 1.04% |
| Net interest margin | 2.04% (p8 of band) | 3.30% |
| Efficiency ratio | 75.36% (p68 of band) | |
| Noncurrent loans | 1.32% (p79 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 103.28% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 0.01% (p17 of band) | |
| Auto loans | $310,000 (1.49% of loans; DQ 4.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

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

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

- 2013-03-12 [Neighbors organize fund to help fire victims - The State Journal-Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxQalVMNG9kTkk2SmdhVHFObVUyNVRlbXo0N3AtT2JUaWIyNVhBdHF3VTJ4bDROOXlBNlFjamp4eVZITUU4NFJaYnNXWGlkX0hQbHRPNjJQWGp1cG94WGhnZEt1aW0wWGFDZ0gweXlfcGVmbHpDV3VNME14a0hGUk1vY21ESzJQNXNtWWxSLW84bWNEZWl1ckFOQQ?oc=5) · The State Journal-Register
- 2021-10-10 [James WATERS Obituary (1922 - 2015) - Rochester, IL - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxPYVczamwzSVRjZ3ZHWkRfYVBlclBmRmZySEdOa2hmbDF1amN0TWViMHRhVGxiNnZJME5udVR0ZXc3ck1uTnhialoxSmVvM0VyeHFCVG1jb3phUDZFZHA2SlpWSFU5SHN4MXRfc2pLNkJEVHBicUVWdGJPLS1qM24wVG5zYW52YVk?oc=5) · Legacy obituary
- 2016-04-04 [Linda Warmoth-Shelton Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRXpiakVyTUpkQ3p1dXgyN3ROUlc1bTBRQU53bmtEOERZajY5cEJ6TGV5enR2b2c0WXEzMGtTbzVObGhSWkZFckQ3blVTMHpTZG5ScU5FcFJrMzBQRldMSkh1Z1VzM1dTdnFEVXFBejVWMVJKWGFDWDViSGprOEkwczdXY1dEeS0yZHhOQW9wQmNGUQ?oc=5) · Dignity Memorial
- 2018-05-19 [Historical home tour to benefit sesquicentennial - The State Journal-Register](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUVE0TGtPVHVhdG0wTzQyaDZPZ2FNUFM2enBoeVc0alhZTXZERzlMM1JsNHloY0F5Q1Z1ajQ4UEFKc1Vvc2VFWTFXWlQ0ZHJLandwS2loVy1nZGhSR2RsY1RiUVd4R3VXT29tcGJVT1hpcVlkN09MNFdCZzVwb3k1dkxhelU2N0ZSaW8yd0JTSDI?oc=5) · The State Journal-Register
- 2021-10-31 [William Waldmire Obituary (2011) - Rochester, IL - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNdzRsYVNkekZWVGl6OTFaYlI5M0NueGxPTF9PbVZrUU04SGJuZm0zZFJ5dWZGZzFVd2hGWUtJRC1jT2ZGcDVqeExVNEttTXJmRW8tR0ExT19lUkRwWmI5bUZlQldzWmJ4MUZQTVRIZ0JZM0RlUlJBeEdFRlB5aVIzX09hV0tRdGJfSlk2VA?oc=5) · Legacy obituary
- 2022-11-30 [Carol Ann (Richards) Bortmess Obituary - The State Journal-Register](https://news.google.com/rss/articles/CBMiVkFVX3lxTE8tY2JTS1NoenFLNlp1RldONGZOSzBYdGtiTkZ1SmJHMWFvbHhMTTdYeGdVZEVnY2VIUXFhc09BMnJ0ejdRVHNDc19zdXkySkREZWxYa0tR?oc=5) · The State Journal-Register
- 2009-12-18 [Robert Waldmire Obituary (2009) - Rochester, IL - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWnVQRklzNVFXWE93TkdTY1NBUllPNEotM1NhekRjNE9mVWtlMGpTZzNJQVAtMFBYclJzVVVvVVBmS1FzUjFLSEZGbFZkSkVVX1BPZF9QNm8xTXpWWVhJME11bEl2S3VfOVNlUms3Z25FZEdQMFZxODc4M2c1dndNRG14Uy1ZbGtKQjFR?oc=5) · Legacy obituary
- 2021-10-17 [Jay Bell Obituary (2020) - Springfield, IL - The State Journal-Register - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOXzMwbm9kTVRBV1VqVG1pZXdHSWpQSWtfRnN5ZVZQNUxMSnNxdjduYUZyRUE3YUxjaGRCcUpEWmNweUlsd0JBMTI5ZE83T3hmT0xYc05nTklzSjNwUm9jZ3psSVA2UmVLSEFxc2wwdHVqaENjQk5ndjZYLUZyMV9NNmFn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1787 (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/59.json (key "1787", 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