# SCHUYLER STATE BANK
RUSHVILLE, IL · FDIC certificate 19710 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $54.6M | |
| Deposits | $49.7M | |
| Loans and leases | $30.0M | |
| Total equity | $4.8M | |
| Loans / deposits | 59.81% (p33 of band) | 69.26% |
| Liquid assets / assets | 43.19% (p67 of band) | |
| Uninsured deposits / deposits | 7.92% (p29 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.92% (p23 of band) | 10.33% |
| Unrealized securities loss / equity | -1.16% (p43 of band) | -0.53% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | 0.58% (p37 of band) | 0.77% |
| Net interest margin | 3.12% (p25 of band) | 3.62% |
| Efficiency ratio | 78.34% (p61 of band) | |
| Noncurrent loans | 1.04% (p49 of band) | 1.08% |
| Net charge-offs (annualized) | 0.15% (p71 of band) | |
| Reserve coverage of noncurrent | 98.41% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 4.86% (p28 of band) | |
| Auto loans | $1.2M (4.05% of loans; DQ 1.23%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |

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

- 2026-07-29 [Ruth Ann Nichols Obituary Mar 28, 2026 - Printy Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE4tS1Q5RU1lSVZoaXp6bkxlQUZLNzktSTNzeG1McFNPTzhkTmdaQUdiM1NkX3hEVTJaX3g5WGlzMjZtQWxnOUhWWkJ0cFFWc0FGSVAyXzFRM2VCN0NrYWtoX1FVUENpSnVp?oc=5) · Printy Funeral Home
- 2026-01-30 [John Lewis Fishel Obituary Jan 30, 2026 - colwellmemorialhome.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBzSVJIenlfa0E5VkFQZDRjNHFBMlhpVGdQNTdhLTYxUW9VMzN0MGhOZXZoMlRaTk9henR0RU9BSHE4SjU4ZDZucHRLdEZlOHBYSng2MTY0UUFKZWtUQ09fRW9BeE9kajZIbXVCQzVFUVFlQQ?oc=5) · colwellmemorialhome.com
- 2019-08-30 [Mary Elizabeth Owen Obituary Aug 30, 2019 - J. Otto Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBIdWV4QVdZM2RiMnRBaTYtd3YyMHhuelNma0xuQmxYRFhPNkUwV1ZvZEY5WmZJQmhUZXNUWF9ib0VraFFCbXhiU1hwSzNabldiY09fR2hVWDBHZldjbkd6c29aQ2N0b2U3V1VCcE9na0w?oc=5) · J. Otto Funeral Homes
- 2024-01-09 [Betty Davis Obituary (2024) - Rushville, IL - CLOSED-Triplett & Wood Funeral Home - Rushville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5DMFhLTThGSHU5OEUwWjl6a3JYV0VhcUdrWHFvNkFyWHd4RWZmWW92MDlab0cyQ0Nqbk0xT0Y1Y1hSS19taDQ1T3FZNUZpQ3J2U1lJaUN2d0NSeUsyQXRaS0p1Tm95dFcxQXRXTFRVRDFxOTBreEJlVExDZXJEelE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19710 (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/62.json (key "19710", 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