# JACKSONVILLE SAVINGS BANK
JACKSONVILLE, IL · FDIC certificate 28211 · asset band $300M-1B · latest filing 2018-12 · 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 | $319.4M | |
| Deposits | $255.0M | |
| Loans and leases | $186.0M | |
| Total equity | $45.2M | |
| Loans / deposits | 72.50% (p24 of band) | 86.08% |
| Liquid assets / assets | 28.19% (p67 of band) | |
| Uninsured deposits / deposits | 17.27% (p31 of band) | 22.10% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.37% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.96% (p2 of band) | 10.52% |
| Unrealized securities loss / equity | 1.27% (p97 of band) | -1.90% |
| AOCI / equity | 1.00% (p99 of band) | |
| ROA (annualized) | 0.53% (p11 of band) | 1.13% |
| Net interest margin | 2.44% (p3 of band) | 3.77% |
| Efficiency ratio | 67.34% (p56 of band) | |
| Noncurrent loans | 0.70% (p62 of band) | 0.49% |
| Net charge-offs (annualized) | -0.07% (p4 of band) | |
| Reserve coverage of noncurrent | 85.97% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 16.52% (p22 of band) | |
| Auto loans | $8.7M (4.65% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | leverage <7%, NIM <2.5%, reserve under noncurrent |  |
| 2018-09 | 2 |  | leverage <7% |
| 2018-12 | 2 |  |  |

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

- 2014-04-23 [Jacksonville Savings Bank - dhs.state.il.us](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5hb1dOeW96RzlINGVYbkxJbmhuUFcxQzdZVFhBTGlqOGFoS0xndEhhU2JsUjNqMFJkc2VDWENZclBGSHZ5eDRpZ05BQXI5RFhJR2ZTdEpRQUdlcGEy?oc=5) · dhs.state.il.us
- 2019-02-14 [Jacksonville Savings Bank to begin CNB Bank operation - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZ21ZMGdEWDZxSlFBdkRRTFkyOHBFczdlcVRLTGM5ZEtMVmhqcl9tRmU1aElIdXhnY3JNRGtjS1o5bG01aTNOUlp6VWFiSDJnb0J3bnIxYm5tSV9TWDZiLXRCc3hCbTh6S2ZuWEFKazNPcG9tLTlFOXRHMzBGZmJ3Q0pWZXAycFJZRVhsZ01RM0VQZE9hTnFNUGdQWVRtYUFtTExKRw?oc=5) · Jacksonville Journal-Courier
- 2018-01-20 [Carlinville’s CNB Bank merging with Jacksonville Savings Bank - Alton Telegraph](https://news.google.com/rss/articles/CBMilAFBVV95cUxPOUZNNDZlVTVvRWdKenI5WjlIekl2T2c3V29iTGVpbWxtNXQ2MTRWcUJ6M1ZsS3k3TEd1T2daczBLV2t1TTN4WVY1ZkpkTW55Y1c0Y3dNTVltQUMxeDctSzMyWGRhcGFUMzlfV0RaRFVpUWZDbWI4by1hUFdRakV4UVJnY0dEWTAwM1NkV2QxM0NBa0dL?oc=5) · Alton Telegraph
- 2018-01-24 [CNB Bank Shares, Inc. and Jacksonville Bancorp, Inc. announce agreement to merge - RiverBender.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxOck9DNEpuR3VoT1lRUG9EWjNvOHRMU2pqVmhWVVR5YWhoRUxHbVNGZmRlemtTNF94MHdWYnp3bTE2WkJOV2FjbXZ1UkVlUUozUVFjWHV3S3pyUTVXSE5HdHJsMzNUUjhMdnVFQ0N4U3N6VjdhUnBWd25JeWlvbTlmd2Z3RlN4X2RBdWpNVmlCMUJIMUEtQUxfdUs3WHF0dHZ1eXVUZmpxelNTNnk5ZjcyUGxkMk9tTW5kR052blg1S0djS2p2dXc?oc=5) · RiverBender.com
- 2022-04-09 [CNB Bank names director, senior staff - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMirAFBVV95cUxPMUROazItQmpLd2dZTmZJUzQxOVNoSDJqbTVBOWtaMXBHcmk1NWlSUF81Z3pXVmxKMVUweWo4VTB5VXk0MUVTSnlJdDg2b3FubUpTdjhjVTZWNzNnX0ZEVmZNeVlISDNNNy1SWmlEQzQ3S200QW44cGNoR21QZW10Y0Q2aTR1UWJXajVjLUF1RnFMWllud2wxR25nYXFIWUtCSnFha3BUQmVjeXBX?oc=5) · Jacksonville Journal-Courier
- 2023-04-25 [Bank leaders to retire - theintelligencer.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOekRRZlhxdjB0SlU0ZEhWT001RDRJYkh4S3JGRk52c3N5aEhRU3owckVZWjg5ZWRDemRJUUNzR1o2ay1CRU5QdVdBd1lRbmloc2FRQmJxNWwtSDlXZnlFOGpCUDZCcVRmYVZTNS1zME5hU0pHVGxxa2pkN0FxZHRVX3RFX1NHZFRrWGRRRklhZw?oc=5) · theintelligencer.com
- 2022-12-08 [Franklin ending half-century of banking - Alton Telegraph](https://news.google.com/rss/articles/CBMikgFBVV95cUxObG5EcGI3ekptVnJHemZZSS1SR3dyVzBxTkxHYWRXZTJ2UHJnOUNOLVZ0V1FGRDZ5dGpmem1mSFZ6M19mZzhwbndVTFZDR3hJSFd0cmI3M0lMTWU0Qi1kY2NwajFkamdkNEJPX05PYUxhdUFkeUYzeF9xVWhCTnM3b01GQ29ZZTZ3QV9QbnYxRlMxQQ?oc=5) · Alton Telegraph
- 2019-12-13 [Property transactions - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMihwFBVV95cUxNUXV4ZlYyWDBjS2tJVmhHYVFtMkd4czJBeHJtQkQ1cjU1Qk1qQnRxVjRoaF8xTk50U0k2anNGMk1lTGR2ZzBxU3hRdV9IOUdiMzFRTmV4dnV3NU1XUk9QQmpTOTBaMVV3SDRnc2I3TlJteEdIOHlTM3pIWk5VNzV4ak9YN2ZZdkU?oc=5) · Jacksonville Journal-Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28211 (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/51.json (key "28211", 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