# BANK OF MONTGOMERY
MONTGOMERY, IL · FDIC certificate 20769 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $47.5M | |
| Deposits | $44.9M | |
| Loans and leases | $6.7M | |
| Total equity | $2.6M | |
| Loans / deposits | 14.63% (p4 of band) | 65.77% |
| Liquid assets / assets | 84.25% (p97 of band) | |
| Uninsured deposits / deposits | 17.22% (p40 of band) | 19.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.89% (p5 of band) | 10.97% |
| Unrealized securities loss / equity | -64.50% (p14 of band) | -19.70% |
| AOCI / equity | 12.03% (p96 of band) | |
| ROA (annualized) | -0.73% (p3 of band) | 1.01% |
| Net interest margin | 1.19% (p1 of band) | 3.56% |
| Efficiency ratio | 157.72% (p99 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.18% |
| Net charge-offs (annualized) | 0.00% (p49 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 67% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $708,000 (10.61% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 0 |  | reserve under noncurrent, capital falling, charge-offs p90, losing money |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 4 | losing money, expense ratio p90 |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 0 |  | losing money, expense ratio p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 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 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 3 | capital falling, losing money, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 0 |  | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | NIM <2.5% |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | capital falling, expense ratio p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, losing money |  |
| 2022-06 | 5 |  | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | charge-offs p90 |  |
| 2023-03 | 5 | capital falling | AOCI drag >20% of equity, charge-offs p90 |

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

- 2026-05-13 [USDA pulls 10 institutions from Rural Loan Guarantee Programs over delinquent loans - Brownfield Ag News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPdUVfRDB0V3lsNlByTHk1dGN5dUxnSjl3bkNvdkFMRDJ2c1FJQ0dqZlJHRDlCeDNaZnd4RXFKQ0g2a1RsX1lfZ1poUzAxT2h1elduNFh6TW9hc0M3Yk9kN2JjNDJpV0ZPWTJBSEszZ3ZKVXQyaTJic2lfQmpNSlcwNmJwczZnM1Bqa1NpZWtQMFVMUVRwRGtSNTBYSTFqZUZldThySWREX2JkeGVaaXVsREJsWHhHN3lCYTdZa2p3bw?oc=5) · Brownfield Ag News
- 2023-03-09 [Dian Lee Bank, 78 | Obituaries - WSPYnews.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxObTI0OVh2N1FGMTRoWWU5U0ktWjlHZ1ZXNFVaQ2M5N1c4Y2twMnBEWXBJcUlhdVlVQUNUaVg0VWdwRXBHZzlLLVcybExsR1kyWHhfV1M3MjN3MG5lcFBaQmtITGlXQS1yeVNzN0V0a3E4YzBVYmhkUUdMTkFKYXJDVFFjUVlGTDFya0p3RjRZdjJ4QUxxRjlaSGIxVUxyWkN0bzZMMA?oc=5) · WSPYnews.com
- 2026-03-16 [Cynthia Ann Melby Obituary Mar 16, 2026 - Altogether Funeral](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVUVXYmlhdF9nSVludnNBakUzd05yS1RIWDlyZ1h6S3hHM05LVy1tN1FtalBybEdzM3l6by1HcVZEbjhlSzdoLUFPd0J3QUpGQ3BnZ2JVektteFJ4TlNycmdvTk9QV0JaZGVPSGlXWmpiNGpPYTRtWjBSLTlTaDc5QnhkOFdrM3F4VlM3TGliUkFkZEN2N1BrTXJTRlFNNnZzdXEteWFSZ3hxakhoTUNfSQ?oc=5) · Altogether Funeral
- 2026-05-13 [USDA Revokes Approved Lender Status of Ten Lenders - rfdtv.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1xN2UtbkhlMFdBXzFCWnRvUmkyYVNGM0xldHR0d2pUSS1VM19ldHJCcDJxZHlLS2ljbnM5bGtXMEhzdHdNeFhIQTFBMTl2MkZwM25OZFVTc2ZGZExpN1hyaU5vdFhpcWtLVThpRHNTeTFVemtFVE1rS01rVmY?oc=5) · rfdtv.com
- 2016-06-02 [FDIC wins $190M settlement for toxic Countrywide mortgage bonds - HousingWire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdWZsbkF1d25RalVhdWdrclB6eHVqZkZIaUtZVDRURjByXzR2WE9nbmNiS1NTcm00RlJMdkhVaXlsUEI4NGZna0liQmJkNE1YN2RCeGFWTEJjM3Ntb1F6OHNpUVhYQUFzellsdUhRaXFoN2w2QUZFU0d0NUxiNXM1WUtjanYwYVp2d011LTN6UU5zVmZ6bkxyNEFhNzlseE5UcHRWZ3FDMEljZw?oc=5) · HousingWire
- 2025-04-09 [James C. Volkert Obituary (2025) - Aurora, IL - The Daleiden Mortuary - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOa1pDSmdPMHVVVklQVDNpVllRbTkxeGhXNnE2U0ZoYmFLc2lqeGpVd2ZEWEZKRVZaRDF1ZHZwZWhtYl9NRHp1LWNLYmpQVE51TTBFWTZKN3VmRm9kVXNUSzRzSUlEdU04WUtVWmJmTm1JMkg0UTB0MDlQc09pMjAzeUZR?oc=5) · Legacy obituary
- 2017-08-16 [Anatomy of a Bank Failure: What Happens when the FDIC Pulls the Plug? - BankInfoSecurity](https://news.google.com/rss/articles/CBMimAFBVV95cUxONV9YR0VnLTQzNkl5cDhrRzNtTXFYYWdsbGEyV0JuSHdvUEY0YzdkSmF1YjFoYkRWcFBPMGRCc2dXTVlVOXA4aHY5NklxcDk3Mm9iYUNDVzVtX2N6N1NDQkRzUlJLS25GSlF2ZE9DRXBPYktfbzVYaGtzd0hLOGlaVERVZmU4WVhqZDBWalVkcjZKOV9US092LQ?oc=5) · BankInfoSecurity
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20769 (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/33.json (key "20769", 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