# FLORA SAVINGS BANK
FLORA, IL · FDIC certificate 27685 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $28.7M | |
| Deposits | $25.0M | |
| Loans and leases | $19.4M | |
| Total equity | $3.6M | |
| Loans / deposits | 77.29% (p48 of band) | 78.40% |
| Liquid assets / assets | 28.09% (p48 of band) | |
| Uninsured deposits / deposits | 4.00% (p6 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.56% (p66 of band) | 11.34% |
| Unrealized securities loss / equity | -5.76% (p30 of band) | -3.15% |
| AOCI / equity | -0.03% (p84 of band) | |
| ROA (annualized) | 0.52% (p18 of band) | 1.02% |
| Net interest margin | 3.50% (p32 of band) | 3.82% |
| Efficiency ratio | 77.63% (p73 of band) | |
| Noncurrent loans | 2.60% (p89 of band) | 0.57% |
| Net charge-offs (annualized) | 0.03% (p63 of band) | |
| Reserve coverage of noncurrent | 30.83% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.33% (p15 of band) | |
| Auto loans | $1.3M (6.43% of loans; DQ 4.16%, NCO 0.02%) | |
| Loans to nondepository financials | $431,000 (12% of equity) (p99 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 3 | losing money, charge-offs p90 |  |
| 2012-03 | 1 |  | losing money, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | noncurrent p90 |
| 2014-09 | 3 | deposits shrinking |  |
| 2014-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 2 | expense ratio p90 |  |
| 2017-12 | 1 |  | expense ratio p90 |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |

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

- 2026-03-03 [Obituaries - Frank & Bright Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE5vcnZLak5aay1hNG95d3R0R2J3d1dxQXlqZDJ0a2MwemlEdlJXcWZDaU1fM2RtTU00ZGZIcWp4TU56cDdTQ1RZdGNGV05mbmk5ZTZ0am14ZXJCeERUdWtXVTVvUTVZZTFacFE?oc=5) · Frank &amp; Bright Funeral Home
- 2026-03-03 [Obituary for Marvin Tibbs - Frank & Bright Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9QYkV0R0hjeDFnaUMta1J1aW4zUVd6VkpQNVdlYTZyZVFLdXNFdVotRno3dHdRQTVRbzRRaGxMTkRKT2NtSnNVa0lGTlBWbU1nZVZoMXl3Qnh4RGRZaVBnZUJR?oc=5) · Frank &amp; Bright Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27685 (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/37.json (key "27685", 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