# STATE BANK OF ARTHUR
ARTHUR, IL · FDIC certificate 1800 · asset band <$300M · latest filing 2017-09 · 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 | $133.8M | |
| Deposits | $115.3M | |
| Loans and leases | $63.2M | |
| Total equity | $18.4M | |
| Loans / deposits | 53.98% (p19 of band) | 76.19% |
| Liquid assets / assets | 52.36% (p84 of band) | |
| Uninsured deposits / deposits | 16.62% (p57 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.77% (p78 of band) | 11.02% |
| Unrealized securities loss / equity | 0.04% (p51 of band) | 0.02% |
| AOCI / equity | 0.92% (p52 of band) | |
| ROA (annualized) | 0.76% (p40 of band) | 0.90% |
| Net interest margin | 3.39% (p32 of band) | 3.71% |
| Efficiency ratio | 59.57% (p21 of band) | |
| Noncurrent loans | 0.54% (p46 of band) | 0.62% |
| Net charge-offs (annualized) | 0.76% (p98 of band) | |
| Reserve coverage of noncurrent | 267.55% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 1.40% (p18 of band) | |
| Auto loans | $6.8M (10.84% of loans; DQ 4.84%, NCO 0.30%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 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 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 | charge-offs p90 | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |

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

- 2022-12-01 [Merger to expand Morton Community Bank’s footprint in the Twin Cities - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdjhudm4wYWRfRU01M2JjekF4QjBTWTU0SGwtb25ObFZjMUxSYlZDTUZnQjJzTHJmbW51Rkc5SnlKUlpjNG80ck9UVjFpZlRxdFF2d0gxTWJ0V2dIS1BSeVN5Szd2ZVpzMFZVa2RBa3dON2k5MzhibHRrdjNHaENJWjh1XzJLeWpKT0xnXzFaamY3aEdsei1pdU9fSmnSAbABQVVfeXFMTnAtY2pxYS1TR3A3bmRFb1JyRlBkRGRwQWQ4UnFxR0JEdUVNNmFEZnhKOGZoYjlZTUhPYVktMXJKd1VYV2FwcFRheVJKV1FROEtJcnJPaE9pQmhGNXhxQUdTYjl2S3ljWkUxcjBrelFJd193bk1lSjRBckk2ZjA1MGZfVHBaZzAzYlhNOXhESXJhbmFjQ09SRnRpc3k1ZGROb214cTZWUUhNaGZQTlRGaEU?oc=5) · WEEK | 25 News Now
- 2023-03-27 [James B. Jurgens 1941-2023 - isba.org](https://news.google.com/rss/articles/CBMiakFVX3lxTE9ST3pKVnAyQ1lvNG1VVFNYbDk5dmU1NThscTBWREZFdms4cFhsRUNXR3ZVTGMzeEJqRG1nQi1QNG9JVUVSd1NkVmRPb3luYVluNDNRbHc1bFFjSGZ3bjM0RW8tTG8zWDBGemc?oc=5) · isba.org
- 2025-06-27 [Busey’s Van Dukeman named IBA Banker of the Year - Illinois Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZEdLRlJJNFlkM2RnTVh2MnppZGxrNUE4TFJlLVR6azlyNkowYjZSdHVvZmZhMjljVXZpMHJzdW92N3prbGtHcHZaNE42cVRKOTVTMDg0dFNETFNrcEZzTUxnNGYtaGsxLTg5S1FRUEhOMmZyaG5HNkw1YlhnanZnZkZmOGU4S3FiRW9vSEp3?oc=5) · Illinois Business Journal
- 2011-05-06 [John Dukeman Obituary (2011) - Arthur, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSzJRck00THFkZzFoVnpUNjNtMVZPMXJGRGljY05GNE9kMjV1MDljRjVPeEZoSFI3NWYxaGJlRmdOb0VSM3RVVjdzM0NSOUxabmREbXdQLWdDNHpTakc5ejFoOXBHZTctTXFJTk1NQm9yUXhzNFRGUzVOZ0JMcnFXQlBqSGdZdFRQcDl6S3RHbDBROG8?oc=5) · legacy.com
- 2009-05-31 [Roy A. Benjamin's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9jb3ZzeXJhWWNvUVJuQWtDZUh1WjE0dFA3SWQ5ZlNISW1EaW43YWFuQ0o2cC1xQ2VwelEyajRRT2tvN29rZnVkaE9CU0lFdkt2VnZkSkcweFl4dzU2U2RQSXFHOUM5MkhqOVIwNHNObG9lUnVqOG95R09KV0I?oc=5) · gracelandfairlawn.com
- 2025-11-12 [‘It’s an empty hole right now’: Douglas Co. community mourns one of their own - WCIA.com](https://news.google.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?oc=5) · WCIA.com
- 2025-11-01 [Janice Joyce Pearce Obituary (2025) - Arthur, IL - Shrader Funeral Home - Arthur - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTlRNT1RKbjBSVFBWaTFUNmxrNVdJWUY2clYyNHpiUTVBRFVrWWNrb2RGeGtsUDE2amhuWGZMSVZPMHRvTkppRDdoNnJZdkc0RnJlSHdscldiWW5heHQyc25yV2RfQnlCMjF6c1d3N3dwbVFfNHZDZEFORFp2dHV3WVRn?oc=5) · legacy.com
- 2025-03-28 [Janet Winningham Obituary (1937 - 2025) - Arcola, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTVRac2hNTGZjMXktSDZzNTRBQVZNcmFjSW9WSUxxMUxWUHJWWFQ5NUZoUk9TWFRDQVFKNnZ3ajVKeGRsTFcydmpqQS1ELVU4YURCUE1HQ1ZxbkRpRlNCUXJQNmZXV2dtbTJSNFdVb0s2NXRtVU56N3RLcmJiQXhoQUlwZFNxVklYMlpkY0plTldTZGtGdEFj?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1800 (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/8.json (key "1800", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide