# COLUMBIA NATIONAL BANK
COLUMBIA, IL · FDIC certificate 22312 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $45.5M | |
| Deposits | $39.1M | |
| Loans and leases | $27.6M | |
| Total equity | $6.2M | |
| Loans / deposits | 69.54% (p37 of band) | 77.79% |
| Liquid assets / assets | 38.87% (p68 of band) | |
| Uninsured deposits / deposits | 4.59% (p7 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.65% (p72 of band) | 11.56% |
| Unrealized securities loss / equity | 0.37% (p38 of band) | 0.80% |
| AOCI / equity | 1.79% (p44 of band) | |
| ROA (annualized) | 1.07% (p52 of band) | 1.05% |
| Net interest margin | 3.74% (p44 of band) | 3.84% |
| Efficiency ratio | 71.05% (p55 of band) | |
| Noncurrent loans | 1.13% (p70 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 118.91% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 37.99% (p73 of band) | |
| Auto loans | $255,000 (0.92% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | expense ratio p90 |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | uninsured deposits leaving | capital falling |
| 2015-12 | 2 | deposits shrinking |  |
| 2016-03 | 1 |  | deposits shrinking |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |

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

- 2024-10-23 [Gerald L. "Jerry" Giffhorn Obituary Oct 23, 2024 - Quernheim Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE9OckdBbnJGNzRGOUM3djVwNjZlSHVXYWR4MlRDeHlYd1loeENXQ1RkY3ZvdWNhY2cxNy1PTUhmYVFEbUViS1FyaDlzeGg3bTVXY1I4bEFodGdQUjRPWXE3SXhEWHFvUUZ1dlNJbXhEX3c?oc=5) · Quernheim Funeral Home
- 2019-06-26 [One Metro East bank acquires another, further shrinking St. Louis market - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSHhpc3p6OFUwSUd1V3JFVkhZMFNrVFROQnBkcWNNejBvMlEyUUE1bGFOR2RUWFZwZHRNYkdTTU53bzNnVzNQa3hNT0ZmTVdmZ3RoTUNJQXkwUndaWXdDSkhPdWpXd1JpelhhcUhlOFViMWVGSnB4czIxNmNvNVRUeUlmUV92YjhDdXlFSTBHYmpDNzZNOGpaVjhES3Vrb19ELU1j?oc=5) · The Business Journals
- 2025-11-20 [Wilma Tagliere Obituary - Las Vegas, NV - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQNkE4MzZ0UUgxWWlpd0dYWUdrU3F4Z1Q0S2d6VzJTRi1SbGppOHBUNW9CMmlCUEZBVFlIU08ycHBxWEFlQTVjX2RHVHJuc0RYQ3lWOXJWTkFPQ2JkU1F5bEgwTkFpeV80S3hyQ21QS053SXJFZmhsVUd3ZG1YNl9rQUhlZDRaUQ?oc=5) · Dignity Memorial
- 2014-04-07 [Obituary information for Dennis 'Jerry' Pretto - Leesman Funeral Homes](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRUhfWEpySmVlaXl3Wk5tcXQtT0dkd25FcnI1UWg5OGRESG1hb0hFWDJMTlhFZjQ0SkJyTXZUczJ6ZEdoVU9tNVdPcGhDN0FiM01GLVlfWktUd2tCV1Vad1hKbVlxRzJBM0hCNTFLZWx3THRmSTJfMjE2MEZCdVZRSkZ0NTdMZw?oc=5) · Leesman Funeral Homes
- 2025-08-27 [Donald Versen Obituary - Chicago, IL (1936-2025) - Chicago Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTFBqOENwQWdKZlMyMjZSVkhPVkZRZjlZMEdmMFh6ODZTMDh0ZllmbzB0YkZUcG5naHMwQ3JLcWcweDZteHQ1NFg2c2xyWWczOVNFLW5pVVRuTHl5algzejV0dmtZMDl3NEdEWlR5OFB1SEtHQkxGbzhHWjlR?oc=5) · Chicago Tribune
- 2025-11-05 [Dianne Jany (1941–2025) of Paderborn, IL, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZElLRWlHRExKR2sxQVpGYXFUTDJXSk5PejVwdUxUYVRfOWg4WnZoODRYaHRGcGVkeGMxSmF5OHpJOElDbGgzYnU1SURCcWhzVkVZMi0zNmFrcXpuaHFVM09YNnpnNWtzbER2ekp1Nk55a3lmZUJsOXoxczVRWnY1YXdGRFctRmg0N1lWeDN3?oc=5) · RiverBender.com
- 2022-02-21 [Ronald Wallace Obituary (1934 - 2022) - Columbia, IL - Belleville News-Democrat - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNamUxcURadzA1SVVoUUVrcTVPZms0bjJRTmtvV09mUFl3cEFzeXdDY0VmVENZalJZZ0FpMk1lOGZuUDE2T3NTekR1MGU0VlBjRjR6OGhycTZiNmhabzV1MTFHd2QtLVlvNVVyZHBOS0RtYml4amp4YWRIMDdWLWFFbWlfUkRnM3RtLU9BUFZDSHloQQ?oc=5) · legacy.com
- 2026-04-02 [Dianne Jany Obituary | Renner Funeral Home | Belleville, IL - Tribute Archive](https://news.google.com/rss/articles/CBMib0FVX3lxTE50OGo0UXJoV2FhSWNUdVVVQnhRTEZBbUg2cGVaaXFTZUhyS0JSWG1TeER1SGlkVzJOZTBQNXNsRlNXeUZUVjZJQjNQcUk0bTQ4TVJjWjYxbDhod3FuTUJxclNzbHRZbDVvcDByYWV0aw?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22312 (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/40.json (key "22312", 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