# BANK OF GIBSON CITY
GIBSON CITY, IL · FDIC certificate 22838 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $146.5M | |
| Deposits | $120.4M | |
| Loans and leases | $103.0M | |
| Total equity | $14.4M | |
| Loans / deposits | 84.80% (p72 of band) | 72.20% |
| Liquid assets / assets | 23.99% (p29 of band) | |
| Uninsured deposits / deposits | 12.04% (p22 of band) | 19.30% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 8.91% (p79 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.53% (p8 of band) | 11.46% |
| Unrealized securities loss / equity | -7.34% (p64 of band) | -13.79% |
| AOCI / equity | 2.46% (p81 of band) | |
| ROA (annualized) | 1.11% (p63 of band) | 0.90% |
| Net interest margin | 2.86% (p21 of band) | 3.57% |
| Efficiency ratio | 52.88% (p12 of band) | |
| Noncurrent loans | 0.58% (p65 of band) | 0.26% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 145.83% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 23.25% (p55 of band) | |
| Auto loans | $3.5M (3.43% of loans; DQ 5.72%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, charge-offs p90 |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 1 |  | losing money, charge-offs p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 0 |  | capital falling, reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 | uninsured deposits leaving | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | capital falling | uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 1 | charge-offs p90 | capital falling, losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | wholesale funding >15%, capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | wholesale funding >15%, capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 | NIM <2.5% | capital falling |
| 2022-06 | 1 | uninsured deposits leaving | NIM <2.5% |
| 2022-09 | 0 |  | uninsured deposits leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |

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

- 2024-08-20 [Longview Capital Corporation welcomes Lora Fisher as compliance, CRA officer - Illinois Business Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxPcnhBdGpiZ1BXWE5nQ1oycmZ2dy1ON2VJYXNIWGlhZjFBdFVKTlBPcnB3X29FM2w2UEVGbnIta2tPX3dDNGNIOWNvYjYxdFNVQjJiQWVvdWpUMDhnMm1GNkttbXo4Nm9hVU9lSnhERkRPallTR005UEJyMDFQbkhZeE5STTd4ZFNFOHhGQnZLMVlkUWw2RGR5QlNQaDlIWnp2akVNdWc0QkE0VzJVNDlqYjZqRQ?oc=5) · Illinois Business Journal
- 2021-08-19 [Gibson City Sets Up Fund For Flood Victims - ipmnewsroom.org](https://news.google.com/rss/articles/CBMidkFVX3lxTE9rdXk4ZVVzVE85M0hoU05pRWhDQWM4NUI3Y3VYdTFPdUtmaldxNFYweklsZ3RkR3NsY2QxOENxNngxdVVlT0dteDliSEVWM01NZXhRT3pGSUNSb3ZFNzNBbE5vTTJ1eXNDM080eFRURjVuN1YxQmc?oc=5) · ipmnewsroom.org
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - jdsupra.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · jdsupra.com
- 2021-09-01 [Noel Hutchcraft Obituary (1941 - 2021) - Eureka, IL - The Pantagraph - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOYWJnc2dfVkQ5cE5nangyUTJYOTU4WnVyOVVwR3IzVDJYRG9Demg2TzNyVV9jOGVmUmZyS1ZTMVlwM09mazROdHBMTmhJMGNFNldXaGtSRjEwLTlRa3BXSzZnZ05lVWJSdVJiaTdqSy13NlBVZ1hHZ21NT1d1XzVyTGE1dzQzeUtDUTk3bjNEQ3NyalU?oc=5) · legacy.com
- 2026-06-22 [Georgianna "Joey" Thompson Obituary | Rosenbaum Funeral Home | Gibson City, IL - Tribute Archive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPUEtaNlRTaWlXc1p1UnN2R28ybUszcDRzbE5wRF9QUk11SHdpZkkwNm80Mk5ZTkh3QU81ZjRrYXZwaDdkVS1vdzk0TXI5c0Y0eTVrekxHd1NNZ2RyX2g4MGdfVXFRQkhIODM5SDZRT1J0LUtIM2FRSENIU2pPVnlFblRCUlJNZ1lH?oc=5) · Tribute Archive
- 2026-02-03 [James R. McKeever Obituary (1930 - 2026) - Shorewood, IL - WIFR - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUlBUNUtKUU5ieDhUSVBtZENmMFllN1dvczd6YkdyUkxLWWRCYjFXc04yY1NrOGNFNDAzQzgxUG4zcmdfQkhhMmZPM3RCYThHaVAzclNNdjVNRjFRR3huZkNYZnhEblNxU3dtMXRBZ1N0MGtuU3UyRER5dDVEdzJMRXZtVnhBb0NOZVE?oc=5) · legacy.com
- 1985-08-20 [BANKER $15 MILLION RICHER (Published 1985) - The New York Times](https://news.google.com/rss/articles/CBMidkFVX3lxTE9MNkZmb2RRdkRPMGlqZXdLcmZIS0RCV28xQkpUVVJMTjN4V1lRbWhhODk3VTEySTBKUkZzZXNmc3c0X2tidGZRRkVVeEt5WFlPRmlzOHVDOUIzZTNBZzJib1U1WHNkS2JGNXNCQ0VSSno4MkFQOVE?oc=5) · The New York Times
- 2008-03-14 [Harry Tjardes Obituary (2008) - Champaign/Urbana, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPREtKWFQ4QWhwSFhHT2EzYlZhbkt3dVpLU3lsQnlTMTFhNlZNakVaVHNHOVpkT29zRGRGbTFKenBaS3NmcER4UHVhZzBORWNoNS1xM3k1ZWpGTEZwMFpsOGdHNDc5eWVzcHFfbTNYRkstdFE1R21Ud3ozejgwVEhYRlViUVZMa0pDWUlUblRwWndRTUk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22838 (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/54.json (key "22838", 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