# BETTER BANKS
PEORIA, IL · FDIC certificate 1808 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $445.8M | |
| Deposits | $407.0M | |
| Loans and leases | $300.5M | |
| Total equity | $35.5M | |
| Loans / deposits | 72.86% (p31 of band) | 82.04% |
| Liquid assets / assets | 30.59% (p66 of band) | |
| Uninsured deposits / deposits | 8.01% (p2 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.43% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -15.05% (p31 of band) | -8.10% |
| AOCI / equity | 0.68% (p93 of band) | |
| ROA (annualized) | 1.14% (p41 of band) | 1.28% |
| Net interest margin | 3.88% (p48 of band) | 3.91% |
| Efficiency ratio | 71.81% (p77 of band) | |
| Noncurrent loans | 1.55% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 85.16% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 34.40% (p42 of band) | |
| Auto loans | $113.1M (37.65% of loans; DQ 1.78%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 82 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 | NIM <2.5% | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | leverage <7%, capital falling |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 1 |  | leverage <7% |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | NIM <2.5% |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking |  |
| 2015-12 | 3 | reserve under noncurrent, auto book souring | deposits shrinking, assets shrinking |
| 2016-03 | 2 |  | reserve under noncurrent |
| 2016-06 | 2 | capital falling | uninsured deposits leaving |
| 2016-09 | 2 | brokered >10% | capital falling |
| 2016-12 | 1 |  | brokered >10% |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 | brokered >10% | capital falling |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 3 | reserve under noncurrent |  |
| 2018-06 | 1 |  | brokered >10%, reserve under noncurrent |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 1 |  | auto book souring |
| 2019-06 | 2 | auto book souring |  |
| 2019-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | reserve under noncurrent | deposits shrinking |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 4 | noncurrent p90 | AOCI drag >20% of equity |
| 2023-06 | 3 |  | noncurrent p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | charge-offs p90 |  |
| 2024-09 | 2 | reserve under noncurrent | securities losses >30% of equity, uninsured deposits leaving, charge-offs p90 |
| 2024-12 | 4 | securities losses >30% of equity, deposits shrinking |  |
| 2025-03 | 5 | charge-offs p90, assets shrinking | securities losses >30% of equity |
| 2025-06 | 4 |  | charge-offs p90 |
| 2025-09 | 3 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2025-12 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 2 |  |  |

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

- 2018-12-05 [Top 100 bank advisors, 51-75 - financial-planning.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9yZ2ZiV3ZxNXl0QU1xYkdrYmljQ3JuUEFBVmtod2Z1N2NSb19JOE9aUVBmMU9xOTJPYlhyV0hNLU02aWxlSTZsNGdWOG5JVU0zeDRDYUJxZW43NUxqNnU2SHRRNmJWVDZwSzRHb0Rjbm5TZW1wekE?oc=5) · financial-planning.com
- 2014-08-27 [Batek retires from First National Bank - Peoria Journal Star](https://news.google.com/rss/articles/CBMitgFBVV95cUxPWU9GZUktNEw1Ujg0MWd1ZnFWZlItT1ZIbkRDa0paRVNvajJFZGxBdUpsQnVDUkJkWlFISXU3SGNVWENESDBUUHhvQ3RRUzBvNlhYSzdVaTEybS1LeXBFQkpkSnZwNWJaTE9ocFgwbkVhMnFON1dHWU9BWldMUmNXenVmXzVfdmRJOUJfamE2ZW1rTkJQT3l1MnN6WS1kOFZvQVdGX3dGVGFrc0xYOTVXemcwNndzUQ?oc=5) · Peoria Journal Star
- 2026-02-22 [CWA-Represented Workers At Beneficial State Bank - ‘The Only Unionized Community Bank In The United States,’ Overwhelmingly Ratify Their Second Union Contract - WNY Labor Today](https://news.google.com/rss/articles/CBMiwgJBVV95cUxPbDF5V1prSWRTWnkzTVZ3V19tbm5pYWVaMEVnb3UwXzdxV1FvR2VGTlJ6a2ViQ1F2T1psSXVHYXp0R08xYzZ4UzRNUnFhZWtsaVdISG8wOEJvV0FsTnlLSkMxUWRFN09WNUpjYzl4Qk82aE4xd2ZTVmVoYVVUeU1ESldTTEFRR0FYTGxwOGgxM2FMOVROa0MzQ01tLUZGcDNsdkR0c0c0WFpfTVF5VzlNZmRRVGg4NXVVUjl1UmwwVnpFRWxYTmJwTy02OXZKR0c2d3RhOUpkTGtPNldyM1Qzb0ZPZW45UXVFY0gzMWhRRHBNNGJPT1p3Sy0tN1R0cGdNSnYycHFtV2xtNG84Ukkzb0NjOHo4ajdqajhHTDdOTmNqX1BWcUpYNHhYRS0zLVBPamJMN2V5VkQ4Y3JyVmJDbXN3?oc=5) · WNY Labor Today
- 2021-03-18 [‘Racial bias runs deep’ at America’s largest banks, study says - CNN](https://news.google.com/rss/articles/CBMifkFVX3lxTE5zSEV1eGdOTDE5OWFxempVT0trNHhmZGN2Y1JvczBvbS1uZXJFd2xEMWg0LXdUNXJOM1I2b2hYM2pVaUx1MnhweTlsVWt4UFlKczZ0emx6STVPZk9JNzZLVldVQzU1c0F1S0xWYnRkNXByLTE0SzZ2M0xlOXduUQ?oc=5) · CNN
- 2025-10-23 [Bank Worker Organizing Gains Ground - Nonprofit Quarterly](https://news.google.com/rss/articles/CBMidkFVX3lxTE1acVJwQXZuQWJuSXhyTXV2WDhoaGkxeVNIRnI4dDlFbmhTUE5yVVhFSWpmTlh2eUxQb3JweHNjV0NpMmR3a0x2OTFpZ1ZJZmltRUQ0NXZDeEhKZVZFdTA3R3F2bnZhMUxNUTEtOG0yWnZOUkNqQXc?oc=5) · Nonprofit Quarterly
- 2015-04-29 [B.F. Backlund Obituary - Peoria, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTFBoRjlTZ0YxSnBHb281aDRBM01VTFUzRnlpQkUxb1dqeFNzQXNvVjlLRVJkY3llNEZsWE95TXJKTXVwSzhkM1F2eURMRmlhVWxkbXcybnBkN0hUdGJEc0JUdVBUUXpWMnYzN28wQXhuanFLRHBoc21YTVhMR20?oc=5) · Dignity Memorial
- 2019-02-19 [Why Unions Must Bargain for Affordable Housing—and How - The American Prospect](https://news.google.com/rss/articles/CBMigAFBVV95cUxObk5hUExTdVl1a1ZBci1KMVN4ZkRXZTNXZ1QzeWRWSUFvRVBsYkE3MHdDTnFwYmtYczk2SEIyVWJiQXE2WWFMRFdwVmRadXdGdkxCNWIxdDZxR0d6QndhdHRGOHhYN25MZ0RzdGN1c3Z5RmZXaXNycnlJSzRRNzJSRA?oc=5) · The American Prospect
- 2026-01-17 [Judith C. Wolland Obituary (2026) - Washington, IL - Affordable Funeral & Cremation Service - Washington - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOeGZXWF9JTElCakR5Q1RSVmhOMkdfQV9ZejliclA5WGZ2ZnFrX2RGWkVuVi1jM3dORnozaG5OUnFEMElGWC01djFXUDFHLUZsblU1VWhtSW56OVc3anhTcnNTcnpYenBidmlGdkhTRkJvWm10U1BvUXlUNHE5Zmt2MnlJQQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1808 (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/16.json (key "1808", 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