# FIRST COMMUNITY STATE BANK
STAUNTON, IL · FDIC certificate 20028 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $44.9M | |
| Deposits | $40.8M | |
| Loans and leases | $36.3M | |
| Total equity | $3.8M | |
| Loans / deposits | 88.12% (p82 of band) | 70.22% |
| Liquid assets / assets | 15.35% (p10 of band) | |
| Uninsured deposits / deposits | 2.31% (p5 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.37% (p13 of band) | 10.41% |
| Unrealized securities loss / equity | 2.61% (p80 of band) | 0.24% |
| AOCI / equity | 0.13% (p24 of band) | |
| ROA (annualized) | 0.31% (p19 of band) | 0.79% |
| Net interest margin | 3.65% (p52 of band) | 3.62% |
| Efficiency ratio | 91.45% (p85 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 28.71% (p67 of band) | |
| Auto loans | $523,000 (1.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $787,000 (21% of equity) (p99 of band) | |
| Deposits YoY | -12.8% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |

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

- 2024-06-10 [Obituary for Karen Sue (Goehe) Frey - williamsonfh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9Id3ZZakFzYUY3dGlONjQ2dG1CaktqMGpiTXNmWkRoUXYzeGswc05TZUhfYXR1UEdzNzhWcm9LNFNsZ2JWck5JU3A3SE5sQnoyZU9tOHh4QlZtYmFo?oc=5) · williamsonfh.com
- 2023-11-13 [Man sentenced to 25 years in prison for robbing banks, shooting at deputies - myleaderpaper.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNRTZMdkhaS3RzM3JMdXp5b0F2eVgzZ0ZDWk1mZlFaaTlWMkwwV2lQbWVjSl80clY0WU1VR2ZHay1aXzdVTklkaEZLOXROdTVBaS0xdmljSnhHVW0yTUkyZlFQTFZzWVpTMHVXeUtROGg1X2ZjeGh5amh0WDB6NGlYQ2l4dElJaWh2VzhjNVlXYU9HU2ZtMFBUbTVMajZVUTVGT0RsWGVsbjFRQTc5ZFQ2R0dZY2NKX2JISk94NUIzdVhYMFdvZ2NfQ1VsZTV6blFIWlh0NXRjYjFPYXJoN1E?oc=5) · myleaderpaper.com
- 2020-10-10 [Obituary for John D. Meckles - williamsonfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1haDdabnFob3laeEM1ZWo4ZEtDcFdLR1htNEZlejdlcTZCUXoybVZOTGhQT3lZNTJoVWJfTk5EVWpjTm5XTlk3UXltOHFZa3NzSF9ObEhfUGdhcGJFQ1Y4?oc=5) · williamsonfh.com
- 2007-03-27 [Pasquale Antonacci Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxQN2JGRE1qTFVNUjEtSm15cTAwLXhGZXFDbDRGb2gxeHdDREkzUkFHTVVZaWdMek1iVHdMRXk4dmdUeFRUaC02cFFZSkxiNF9fM3V5Ylo5Wk8wMFlYeG5zdmhXZ2UxTmJ2MElfcDMtT1RId3NXdjdKRExHX2NCUFRFR1pZZHNxcnlmUjgzOFJn?oc=5) · Dignity Memorial
- 2023-08-21 [Man pleads guilty to robbing three banks, shooting at Jefferson County deputies - myleaderpaper.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNYUdVZExPeW5VN3BpRXExTE5iSFBvQVVIaXpVaURCdXlnSVFNREVXLTVNcy1MbjFTQXhwdTFYd0R4NWc2bHZ5X0FJTUs1WnZFcnVDWVVENTJBVTN2cV9xZkdMT0dUVTRfM1ZDVzdsZkpUM0htX0FQUFhqOTdDWHRHalZ4eWdaYVBXS2hhZVFKQlRET2xBaGhUSWRMUVp5cGpva3c2OHA0X05VOXJrNDJxUHBQTHFpR1BPTTFPb3dzbHAyR0x2clRvYWFPd21SWWYyVnpDbmQteE5KUlk5Y2x3aUl4aVRRblRIZS02Rk03QQ?oc=5) · myleaderpaper.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20028 (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/60.json (key "20028", 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