# ANDALUSIA COMMUNITY BANK
ANDALUSIA, IL · FDIC certificate 22959 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $39.5M | |
| Deposits | $33.1M | |
| Loans and leases | $27.8M | |
| Total equity | $6.3M | |
| Loans / deposits | 83.05% (p62 of band) | 76.78% |
| Liquid assets / assets | 29.21% (p49 of band) | |
| Uninsured deposits / deposits | 4.67% (p7 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.16% (p87 of band) | 11.19% |
| Unrealized securities loss / equity | -1.06% (p67 of band) | -2.38% |
| AOCI / equity | -0.75% (p61 of band) | |
| ROA (annualized) | 0.44% (p16 of band) | 1.00% |
| Net interest margin | 3.98% (p63 of band) | 3.78% |
| Efficiency ratio | 88.39% (p89 of band) | |
| Noncurrent loans | 1.03% (p65 of band) | 0.57% |
| Net charge-offs (annualized) | 0.65% (p98 of band) | |
| Reserve coverage of noncurrent | 127.27% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 16.98% (p51 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **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 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | losing money, charge-offs p90 |  |
| 2012-09 | 5 | deposits shrinking, assets shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | losing money, charge-offs p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | reserve under noncurrent |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | expense ratio p90 |  |
| 2014-09 | 5 | losing money, uninsured deposits leaving |  |
| 2014-12 | 3 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, capital falling |
| 2015-06 | 3 |  | expense ratio p90, assets shrinking |
| 2015-09 | 4 | expense ratio p90, assets shrinking | uninsured deposits leaving |
| 2015-12 | 4 | uninsured deposits leaving | assets shrinking |
| 2016-03 | 1 | assets shrinking | charge-offs p90, deposits shrinking, expense ratio p90, uninsured deposits leaving |
| 2016-06 | 0 |  | assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | expense ratio p90, charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2018-06 | 2 |  | reserve under noncurrent, expense ratio p90 |

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

- 2018-10-01 [Monmouth bank merger complete - WQAD](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQUzJjNnhXMjREX0lZVzIxMUxkYmMya1VKUVJWNEM5ZHVwTUlsZlJlVi10MGI2RFd2OTl5V0RZVHJlUkZBMUoyVnJoRGpnMk5WTUhXTlZUTnpKZW9WOUdNQmM5TjhjYWNkOFZzNURRSUdqVkNoTEhPaTUxcVNRYWprX1FiNUo5UW5NSnJFazdRTmZLcmU1a2hHYVJlQ3o5X3Vhc0hnVUlQaEw5N251bWxmTnFoSWh5d1pUSEVSWm5FWTdUR1NheWtDaQ?oc=5) · WQAD
- 2026-02-06 [Scott A. Mcmeekan Obituary Apr 3, 2014 - wheelanpressly.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE50SURNSm9JVHhyZnJNWTJQVldTdjNqWVZtZXBYRlEzcVNRX1VBREF4OXVXeXRMektHTzVWVTNfTTJZNWw1Vy1wcjZoRUJDZHB2Q0Q4Z2pTRDRDUmgxcElKd28yWW1sc2M?oc=5) · wheelanpressly.com
- 2008-06-04 [Robert Peterson Obituary (2008) - Duluth, MN - Williams Lobermeier Boettcher Funeral Home - Duluth - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaHJVa2Zfa1c1S1MyNklhVkNDdHpnUk9WTFBnc0lRU1hjMTZKNTd4OGVGdTBrejhEY2w1QzRMR2NqSnpMd24waDhxWnd2cm9oenBwd1hQU2VDLVRKRDgwTThzTjVzOFk0ckdkZWJfRF9iLTFsUUJjcDZDaXZOLUt2UlBpUU4?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22959 (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/47.json (key "22959", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide