# PEKIN NATIONAL BANK
PEKIN, IL · FDIC certificate 19430 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $20.1M | |
| Deposits | $16.3M | |
| Loans and leases | $6.5M | |
| Total equity | $2.7M | |
| Loans / deposits | 39.17% (p10 of band) | 72.67% |
| Liquid assets / assets | 63.79% (p91 of band) | |
| Uninsured deposits / deposits | 7.37% (p22 of band) | 13.36% |
| Brokered deposits | 1.25% | |
| Wholesale funding | 6.23% (p71 of band) | |
| FHLB advances / assets | 4.99% | |
| Tier 1 leverage | 12.16% (p71 of band) | 10.53% |
| Unrealized securities loss / equity | -4.11% (p6 of band) | 0.18% |
| AOCI / equity | -2.50% (p7 of band) | |
| ROA (annualized) | -0.71% (p3 of band) | 0.82% |
| Net interest margin | 3.23% (p28 of band) | 3.60% |
| Efficiency ratio | 128.73% (p98 of band) | |
| Noncurrent loans | 0.09% (p20 of band) | 0.74% |
| Net charge-offs (annualized) | 0.50% (p95 of band) | |
| Reserve coverage of noncurrent | 1650.00% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $62,000 (0.96% of loans; DQ 8.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.3% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | expense ratio p90 |  |
| 2012-03 | 3 | losing money |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 4 |  | assets shrinking |
| 2012-12 | 3 | assets shrinking | losing money, deposits shrinking |
| 2013-03 | 4 | losing money, deposits shrinking | assets shrinking |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | deposits shrinking |
| 2013-12 | 4 | wholesale funding >15% |  |
| 2014-03 | 4 | capital falling, charge-offs p90 | reserve under noncurrent, wholesale funding >15% |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 4 | wholesale funding >15% |  |
| 2014-12 | 6 | capital falling, deposits shrinking |  |
| 2015-03 | 5 |  | charge-offs p90 |
| 2015-06 | 6 | charge-offs p90, assets shrinking, uninsured deposits leaving | wholesale funding >15%, capital falling |

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

- 2020-07-29 [Obituary information for Jacob J. "Joe" Schmidgall - Knapp-Johnson Funeral Home](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVDNBUkEyVnlrU3I2elhycFVGdUgyNzZoOVdXYTJPcEVsOUZ0bEdwRlY5YTEyT21ZSzd6LVhaYXhzV09PMm1peHZSZDlONHN6d0pyLWRqamZucDFVZDdZNXJla3RIZ1JZVHJ5MWNjTXlZbExzYWFOMUp5SjBQOGxxMjRR?oc=5) · Knapp-Johnson Funeral Home
- 2021-11-11 [Virginia Mathias Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNjJmcUdmTmlRWHFveUtheU9peHdra1l4VDJXenhUN1lzazQtbURJMVlWRV9tUnpRQlJ1dTdTcjVvXzFkcXVTZllhYzEyazFMMXl3bndDeF94R3dSdUV4QmNOdDVsNnA5cm9pNGlZNzAyNV9majQzblFyb3Q4bDlOU1RKSQ?oc=5) · Dignity Memorial
- 2026-03-13 [Gloria J Bennewitz Obituary (2026) - Taylorsville, UT - Premier Funeral Services - Salt Lake City - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPY2haWkJ4WWVxNTdGQ3VEZElxRnZ5N0VOWlF4dV82TjQ5QnBsbTJocVhGTDFfSVdhLVFNRVg2UENVYy12TlkxRDQ5LUU1WnZ5ZUxLLXZrWkdkdFJwZ1dIem5mQWE1TU9HX2FDa0o4M0FvTW5BWWYzdE5pcDRXUnhvaGlGR1VQZw?oc=5) · legacy.com
- 2013-10-16 [Shirley Doud Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE9YLTRnMXQtcUx5MVNEVzl0OUJXZDFnOHh3UEhLTDJ1dE5MSmh1MkFQYllxdnA5Nno0cGlRdFB3aGtzZVRieXNTRkNkSFdZZW1zT2FsWmJlUEZGSS1WOVpDZ1p4Q1lfX2xvRUJZd0EtZlBCbjQtM0RucDhuVmc?oc=5) · Dignity Memorial
- 2014-06-06 [Sego Obituary (2014) - Pekin, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSnJ6X2VZX2I3RV9RRE41UUpScWJEdjhReE42aEg5SVl3TnM5bnVfVU1tcWFIcjgxb1ltaEQtQmFUZktBU096bUJINF91R0U2VXQ4RW16TW0yRUp5Z3k3eVZjWTdia1lGN1MxOGFsUmg5TzZ4VEt4SkhNWmJESE5rbQ?oc=5) · legacy.com
- 2008-05-10 [Gary Weber Obituary (2008) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQN1pHZF9BWVg2ZGlkSExKXzhtTXZSdXE3LUFzaUtaVGZPYzBrUEpOSjFYb05xUU8zTElRNEc5WGFwd2NmVG8xNGdRc0VpZDdNWHlrWXRVY3F5NnhkSlFaYkt3Qi1MVE5hUmQxd05lTjZJWFpHSVVROHdsTE8wbmJzNzltYmczRjQ?oc=5) · legacy.com
- 2008-05-08 [Gary Weber Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiekFVX3lxTE1BVThlUUxoT2JMRVN4N3VkTVQ0cEl4ZHVXS2VRR0xNanZUNmVTVGdtMXhKTU42YTlNclBzM0FXLUhEUzNZQk5OT3phanBCNElaRzlGbEY4LVZvTFZxWTFISF9OcHNvazFYOVFMWlpZWkFKX21va3ZaQTZR?oc=5) · Dignity Memorial
- 2007-12-09 [Tamara Sayles Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE54TVBpZ0ZOdk5aZDFBRDNDS081R1RWckswbW1Pdmx0dmdmSUFHc3FBbWFvWUVyU21JR0FDbWdkUE4ybTFWcm5FSmhOXzR4cGY0d3NOZmRycG1vd0lTTVNfdk5fenRJUjlNQjYzMGI5TnM5c3NtNDdyQk5pelhvdw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19430 (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/38.json (key "19430", 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