# STATE BANK OF WHITTINGTON
BENTON, IL · FDIC certificate 19689 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $180.1M | |
| Deposits | $159.7M | |
| Loans and leases | $121.8M | |
| Total equity | $19.1M | |
| Loans / deposits | 75.34% (p53 of band) | 73.59% |
| Liquid assets / assets | 26.90% (p36 of band) | |
| Uninsured deposits / deposits | 13.49% (p26 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.55% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -10.38% (p39 of band) | -6.57% |
| AOCI / equity | 0.05% (p87 of band) | |
| ROA (annualized) | 1.22% (p53 of band) | 1.17% |
| Net interest margin | 4.63% (p80 of band) | 3.93% |
| Efficiency ratio | 65.38% (p49 of band) | |
| Noncurrent loans | 4.43% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.22% (p93 of band) | |
| Reserve coverage of noncurrent | 26.91% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 12.33% (p42 of band) | |
| Auto loans | $25.3M (20.80% of loans; DQ 4.94%, NCO 0.20%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)

## Warning timeline

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

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

- 2018-07-26 [82-year-old man facing federal charge for Benton, IL bank robbery - KFVS12](https://news.google.com/rss/articles/CBMipgFBVV95cUxOc3MwX0FVR2tiZk1HQ2d4LTl5V2ptNUt4cFZCLW9hc001dmpyY3pvUE8tdUJXaHFPbVNfYnVFMjJaTEdIY0RxaVFoT1haUFhhX2pSblhYY1VxRVV4c2xtRmNGenNmdEl0SjYyWDlXTmkwa3dEU2tfYUZDWDB6dlZ4YlpMQ1JLcVBDY2wxN1c4ajFEY3dRaG1HdnRyQ0V3QmNoWThMRkVn0gG4AUFVX3lxTE50a1A4WnhxMmJla21rQnVQOTB6bldxMjFKTGMyOWk4REtBMGI5bE9qYmJSZHhFZVNXeDFYZFJoR185OWUyanh1aVVReE9FajJiamNmUUs0ME5zbHBaR1RBV1l0XzluNFVNeGJCU2pGTHVfc04tVFFiTU8tMDh6ZUFaZ1VQTUQweWF5TGtkblhNRVhVdU85V3pVRDIzVWpOMmw3bU1GNUl0akdMbUhzZTdvSHliOTkyb3E?oc=5) · KFVS12
- 2019-03-21 [82-year-old bank robber says he acted out of desperation, will spend weekends in jail - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiakFVX3lxTE1vSHVXOFZ3N0dRRDFpZ0tmak5oU20xa0ZlMWdHS0F6MFVqVXd2QWFzcjE3QlQ2Vy1YQjBrZmpoTXBDUlFtREpTdVVvOFpfc3duX0xONVcwRXg2RTlaZFM2WGo2LVJNbVlLbmfSAWpBVV95cUxPQUVwRl9vaE5WVkRqNEZmMEk0OE91eU5UaGlXY0VlSUlOZGozOVRPaGE5ck0td2hjSWJGUXhUZGhSdUw2ek42ZkhOc2FJS3BHM205RGwzTEJYbklOajA2S2xXMWN5by1TSGRn?oc=5) · Belleville News-Democrat
- 2018-07-27 [Octogenarian bank robbery suspect released on bond - WPSD Local 6](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORnE3azk1NW9zUjlVb0dmaTlUcVdOSVFYLU5mQXVmakd6azBQU2J2bHdqYnB1ekx4WFhwNS0tOGRwUkFkd2VabTQwck04Ym9zS2FlZlJ2U3FOTE44RUhwNUwtcm9jVUd5d01jLTZBUGJMb2FHX0p3ak12Wi1aNFVzamxQV0M4dFBOeExUSDM0NTdkYncxQU9JRDJQcFB2bC1GUUVGY21zLU1FQ0dHRkg4Q0U1X0c2UVJLOEVSX0QwNjlqaC1ZdW0waG5ZLVJNWG1h?oc=5) · WPSD Local 6
- 2025-07-25 [Franklin County Real Estate Tax Collection Timeline Released - WMIX](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMEZwLVZHWTVwODYyWHM0bTJHcGphaG9lVUh6Yll4bHA1azZISG1Qa25OVXBmZXg3UWJ0cGdiWmw5OE1ZNUY0aW1rQjNNTjMzUndlSExQSVFMaGhhbDRFWmNsZk5COEtvZk9Jekw0eXFTX0hwODZweFpDdDdKemdBVnNEbkk3Q2J2NzdVUFl1NV9xTHA2OHRWSGp2UQ?oc=5) · WMIX
- 2013-04-14 [Funeral services announced for mother of 4 killed in crash - KFVS12](https://news.google.com/rss/articles/CBMingFBVV95cUxQUGtPMEtMQjNxNGNrVWtlQWREX2xydzNlMU8zNWlvb0wxUElGb05IN1lKNURETXZTRU9LM0JWSVVodlZnSnZ5VEJLb0tBWG91YU5GMFR6VC1IcnFoaUVhV2JtLXQxbFp6ckRNZFMtMWxRemFYQndQYUE5Zll5alZrTEZRQm52UnZXaHVpSjYtV0w4aS1Ga3NUTUNnNG1kUdIBsAFBVV95cUxNWHZHSXVVZURvS0xKdzA4SVFfREkzenJ5RHJsUmZMSXhLbmI1ajVSeUl5blkzRV9qeGJvZW5yUFltMi1mZzRNd2JBT1U5WnlIZFFUWVA2eFFKNWpFVGhaVG9aNkEyM2RsVEJvQTYwZnFzZld6a2Q3R0dvcXdIaUVuYUdKZUFna0h6bXBBSDRyb0taSzhqS3o2TDhndm5VSE4tVEN2YXhvaHNTODlhSmE0Zg?oc=5) · KFVS12
- 2010-04-27 [Two teens arrested for violent home invasion in Sesser - KFVS12](https://news.google.com/rss/articles/CBMimAFBVV95cUxOYXV0ZW5US1JMYThCUjJfeW9ISDZkcjhPMl9EN2lHX2VGTVY2TUZNMHlTUVpaWXFQQjFpZWFkRVV3Vm5sQWFReXBOa21GMndQV1MwNFZ5Uko3M1poRHRCQkhIeXJiQjBNUHFsWUZFQmsxNjFUQk91YldoVmw4ZGszSGEtRGxsSG01dnhhWlBrZXR3eXpOU2k2atIBqwFBVV95cUxNLUsyamJwTlNEUUJ1SGRMTE5JZXotX08tSS1rLWZNWEk3aFRkNDY4NUtTVmR1UFNNMXkwMTIzUHJycmg1V0RySXB3VExXOVo2TUdUUXk1NEhOYThNNU9Ga3FOUklZYmZCQUt6Ui1wMVpEUWJpdUM0Ui1tX3BtOGVqNG5kWXJmZTNKZmFWTFBBaWU5bGVjMzA5LURfdlpyR29NSFQ5NU51R05WbVU?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19689 (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/41.json (key "19689", 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