# FAYETTE COUNTY BANK
SAINT ELMO, IL · FDIC certificate 1802 · asset band <$300M · latest filing 2017-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $34.4M | |
| Deposits | $34.0M | |
| Loans and leases | $27.2M | |
| Total equity | $349,000 | |
| Loans / deposits | 76.63% (p56 of band) | 73.48% |
| Liquid assets / assets | 22.62% (p28 of band) | |
| Uninsured deposits / deposits | 3.42% (p6 of band) | 14.60% |
| Brokered deposits | 24.69% | |
| Wholesale funding | 24.69% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.91% (p0 of band) | 10.87% |
| Unrealized securities loss / equity | 9.17% (p100 of band) | -0.29% |
| AOCI / equity | 10.03% (p100 of band) | |
| ROA (annualized) | -1.34% (p2 of band) | 0.83% |
| Net interest margin | 2.73% (p10 of band) | 3.63% |
| Efficiency ratio | 130.21% (p99 of band) | |
| Noncurrent loans | 13.28% (p100 of band) | 0.63% |
| Net charge-offs (annualized) | 1.75% (p99 of band) | |
| Reserve coverage of noncurrent | 32.25% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 164.76% (p99 of band) | |
| Auto loans | $1.3M (4.60% of loans; DQ 13.02%, NCO -0.14%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 1 |  | NIM <2.5% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2012-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2014-03 | 7 | leverage <7%, losing money, charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 4 |  | capital falling, leverage <7%, uninsured deposits leaving |
| 2014-09 | 10 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 10 |  |  |
| 2015-03 | 14 | expense ratio p90, NIM <2.5%, deposits shrinking, assets shrinking |  |
| 2015-06 | 14 |  |  |
| 2015-09 | 13 |  | uninsured deposits leaving |
| 2015-12 | 13 |  |  |
| 2016-03 | 12 |  | NIM <2.5% |
| 2016-06 | 13 | uninsured deposits leaving |  |
| 2016-09 | 13 | capital falling | uninsured deposits leaving |
| 2016-12 | 13 | construction >100% equity | deposits shrinking |
| 2017-03 | 13 | uninsured deposits leaving | assets shrinking |

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

- 2017-05-30 [United Fidelity of Evansville acquires Illinois bank - Courier & Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxNMHpTTWl0VzZUU1pZVFhLakRkOU4zSFZGU2lGRktpQlhQenVCd2tUS2JLTGNQSU5NUUR4UC0yYVk0WmZjRFhQVk5JdEw4dkFOSnBxRTZwUmJEOGMyUjFlRHIzSUUtZHloZnZ4dERPQXp0QzFaTmNfRUJwWlI5eGZRRnZZSlpZSy03MnV0SV9FdWlsQXFEYi1JQWF2azdoOHFYeHlWZWFGcEZLNTZGZDFBU1Z4cw?oc=5) · Courier &amp; Press
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-12-02 [Max Kay Atwood Obituary (2024) - Saint Elmo, IL - Pagel Funeral Home - Saint Elmo - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTE9mUDNVR0hqTU5JMUZYMXFnWk00UXFWS1lZU2EweldLNlQ4c296RkgzU1duZlNKR3BUNDROWnNlSE5Eem1RUEsybEV4TWV3WklqOWViU2J5d3JtU3BjYWNhRTRqZkI2ZGlLRm1ISTVVV3J4M0REa3JSNEhYVnV3UQ?oc=5) · Legacy obituary
- 2025-09-03 [Legal Notices Printed September 3, 2025 - fayette-news.net](https://news.google.com/rss/articles/CBMiywFBVV95cUxOOHZyN1RkM0xBNTFEQkwzbmMzamhXNlJERG1HWElubW1uVjlTeGNmeVV1d2xmNE1fMElfMzJfTlNHdUMzZ0ZyaTd3N204WWgxZTNhTG0wdEVnX3BJQkpIMXMzNzJsd3pheURlUzIzZzlWWFZEbGQ3d2Q1T2ZFS0NfZUhWbTMtTVFCbTk3dk1fOG5NeG4xeTBUOGlzUVZtNTlScl9hVW55cnRyTVAwNVhGZ3JLdG0tTDBXM05JT2o0TGwtUDgxQ3pwZVpSTQ?oc=5) · fayette-news.net
- 2023-03-13 [Bank Failures Under Donald Trump Compared to Joe Biden - Newsweek](https://news.google.com/rss/articles/CBMijAFBVV95cUxPakVfdnJTTThVTUZyY21oSHlyVlFnSFBxM3czWnlLN3NOQ21QNHF1MkRmejBQTGpUdDQxd085dlV6dXRkWWNqeFJwcTRZUnc3bkkzQjhfaXBWamt0TlJGZUtfN2NuamVGeUV3dHlZenFLb3lQMXlVMjk1OVRNR3BuSlZ0cXRmTXlDYU5hLQ?oc=5) · Newsweek
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2017-07-19 [St. Elmo News - The Leader Union](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5wamliNWVfWjg3aDVlOGdLZldnNUs5SlRTZVJHVkkxNm9rZzlTeXp3eFVveHRaSllTT0JrODFxbktYLU04ZXJCU2ZEWmxOcWhVcDBWZGlSWUl3Vy1ZSjM4YlFtVVZ1Zw?oc=5) · The Leader Union
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1802 (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/10.json (key "1802", 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