# MARINE BANK
SPRINGFIELD, IL · FDIC certificate 20250 · asset band $300M-1B · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $668.7M | |
| Deposits | $573.8M | |
| Loans and leases | $498.8M | |
| Total equity | $70.8M | |
| Loans / deposits | 85.66% (p66 of band) | 76.02% |
| Liquid assets / assets | 23.37% (p37 of band) | |
| Uninsured deposits / deposits | 13.17% (p8 of band) | 26.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.14% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.25% (p70 of band) | 10.17% |
| Unrealized securities loss / equity | -8.05% (p76 of band) | -20.45% |
| AOCI / equity | 1.38% (p41 of band) | |
| ROA (annualized) | 1.51% (p75 of band) | 1.08% |
| Net interest margin | 3.77% (p63 of band) | 3.52% |
| Efficiency ratio | 72.75% (p72 of band) | |
| Noncurrent loans | 1.73% (p94 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 84.95% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 59.24% (p56 of band) | |
| Auto loans | $185,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -12.4% | |
| Employees | 159 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | uninsured deposits leaving |  |

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

- 2026-07-24 [Barbara G. Feck Obituary (1935 - 2026) - Janesville, WI - WIFR - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPa3hhY2ZoSm1WOUJoMm5rTWMyWlQ1YTd2RUY4V2k2endkMURLU3ltSzBWN0NGeXZMdUJGNG5tMW11SWxGc3ZvWjJocVhQbS1ManRxTkN2U0twc0t0b2NndnlOWFdwcHR5NUJDMThMOVUxZ0xOQS1zbVhTc0ZFSjVRZ1dnTHhNVUU?oc=5) · legacy.com
- 2023-06-10 [Merger of Marine Bank and Morton Community Bank completed June 9 - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNNWVBUVpfT2NSVUM4ak93MW95d0JCTlZkUUYzX1A3STNNMTd0bDZ5VnliX1RlQThUa21xbHRWbjFwRjl3bEF0bGowVzlyOVd0UWtUR19EV3IxZkJIcDZUUjd2RC0xcFlFcnRyOC1DQ2FYQjY4dkd4NU1NTVUwVkY1MG9WalRKSW9Jd0pVMjM3QVBxSmZiTWdfSXFzVWZ3YjVtLWRCUmZiakdhbjFZZVY1VUxobXB3VThvOUZ3UEVzVTRFNl9C?oc=5) · springfieldbusinessjournal.com
- 2019-10-07 [Chase opens new downtown branch - The State Journal-Register](https://news.google.com/rss/articles/CBMijwFBVV95cUxPcXo5alNEVG95QUxtZXdQZ2lfanhab2lNbGk1d1RBbHFJRWlkOXNlNHAxaDdoQnFPNVkySGE0eTY3bVpDNTZubm4zMnZSZnBoYUE5WnRhYS1qSVltSHo2NlpXNUl3RXB6QUUwWXVJamo2S2poZmZwcHBvU184aGdrMmtieWJTc3hpRnRWM2l4aw?oc=5) · The State Journal-Register
- 2023-06-07 [Marine Bank & Trust Announces Tim Parrish as Market President | Hancock County Journal-Pilot - mississippivalleypublishing.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQZjhSRGQ3SVRSc2VfbkRXMWowR2JsdlpoLUFDdGZyeVJHTVpSV2NsblV0SFJqeGd0d0hlTEN3N3dPbjZleW15dWVNZGVEYXF2X3dRenFCQnlQb2VScFVLVjUxRzBuT2UxTVpkRDd4X2N5d3RNcHkzcVdEQkFta0dmMGUzenJKNmFVeEpyMXRKVV9JanF2ZTMzYURVcXpFM045ZmVNNlBXU25mS0NqYzRkQ2xJZTdMWjdoVnRubkdSN0pUV1NVSEl5VDRMamttZ2tVazF1NW1QT0lsVUE2TFBnOWg5YnhEVF9TbkZidHhiMFFDLXZuRUZQZGV3?oc=5) · mississippivalleypublishing.com
- 2025-07-11 [Snapped Up - Florida Trend](https://news.google.com/rss/articles/CBMibEFVX3lxTE5PMTNDVmhsVWRmU01lcG40c2Q1S0VIQ1B2SjFWazB1Y0J4bF9RV00wMHN1VHRZNlRESTM0UGdTWVJjSU5jVXZKZzJRTmk1WG5GU2FvczdsTTZha0RnbUVrRl8wZFJEVkRfcEtFcQ?oc=5) · Florida Trend
- 2026-05-12 [Longview Bank Expands It’s Presence With New Management And A New Location - Taylorville Daily News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVUhtZnR5cDRUaGwwdG9QeWVCRUladG1rd050eGVNVDFmeU56ZDZfLUdpaTVzMjUzQXBCMkhSNmRObEZhaEs1eG1OeTJwdGhrMDdHQndiWGFCcHVhUmRhd1FVZEs3dG12NnA1RklhNmRBSEJQVTlhUGJIa09JXzJDY0ZkNUp3QWNtOS1DT3lzZ3g3QnMyb3p2dXhxNFFickJSSUpXZk1YWGNySjVGWE16cw?oc=5) · Taylorville Daily News
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2025-02-14 [State Treasurer Frerichs, JPMorganChase Bring ‘Lincoln Ledger’ to Downtown Springfield - The Chicago Crusader](https://news.google.com/rss/articles/CBMisgFBVV95cUxPanBabkpJUWNOaFE3OXVFdk9MdE5aZUVTQ3RvYmY2ekc2V0c3SVBkX3psT244WDJmX0ZxdUI1QXg0SmJHeFNPWUI2bkp5bFltZzUwM3owTW83SE5iRUc1UlZ5Tmp5cjk3aFFJZ2w3bU1lTnhxcVNXY2I1VS1pTDRLN1JLeDBMdGx0ZnNXRm1DM3lwbmt0NDh3MkpwNGRySF9GZWVLa0M0bmdfVm1kc0Z2Q2hR?oc=5) · The Chicago Crusader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20250 (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/26.json (key "20250", 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