# EUREKA SAVINGS BANK
LA SALLE, IL · FDIC certificate 28401 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $435.8M | |
| Deposits | $319.5M | |
| Loans and leases | $270.6M | |
| Total equity | $90.5M | |
| Loans / deposits | 83.73% (p55 of band) | 82.04% |
| Liquid assets / assets | 35.99% (p77 of band) | |
| Uninsured deposits / deposits | 10.86% (p5 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.48% (p60 of band) | |
| FHLB advances / assets | 5.48% | |
| Tier 1 leverage | 21.56% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -8.16% (p50 of band) | -8.10% |
| AOCI / equity | -0.41% (p46 of band) | |
| ROA (annualized) | 0.89% (p26 of band) | 1.28% |
| Net interest margin | 3.30% (p20 of band) | 3.91% |
| Efficiency ratio | 56.76% (p35 of band) | |
| Noncurrent loans | 3.05% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 38.07% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 16.44% (p21 of band) | |
| Auto loans | $1.5M (0.55% of loans; DQ 5.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | losing money |  |
| 2012-06 | 4 | noncurrent p90 |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | capital falling | losing money |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | charge-offs p90 |  |
| 2014-06 | 3 |  | charge-offs p90 |
| 2014-09 | 4 | charge-offs p90 |  |
| 2014-12 | 3 |  | charge-offs p90 |
| 2015-03 | 4 | deposits shrinking |  |
| 2015-06 | 5 | charge-offs p90 |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 4 |  | deposits shrinking |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 2 |  | NIM <2.5% |
| 2016-09 | 3 | NIM <2.5% |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | charge-offs p90 |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | charge-offs p90 |
| 2018-03 | 5 | losing money, expense ratio p90 |  |
| 2018-06 | 4 |  | losing money |
| 2018-09 | 4 | deposits shrinking, assets shrinking | NIM <2.5%, expense ratio p90 |
| 2018-12 | 6 | expense ratio p90, uninsured deposits leaving |  |
| 2019-03 | 5 |  | uninsured deposits leaving |
| 2019-06 | 4 |  | assets shrinking |
| 2019-09 | 3 |  | deposits shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | NIM <2.5% | expense ratio p90 |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | noncurrent p90 |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-12 | 1 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-03 | 4 | noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |

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

- 2026-08-21 [Photos: Eureka Savings Bank Agriculture Center open house at L-P High School - Shaw Local](https://news.google.com/rss/articles/CBMivgFBVV95cUxORnZwTDZGSHVJYjVGZ2gtU2E3WU5rMFZWbzVieVlBNldPbDhNQmJxSmtENXg4MjRZZ3Jyd2lvS2UzTlhWbk9jUTlfUl9LNVlEdVhNeVdYdzk1ZmEzdVpXdzV3X1k0aWhjdGxLRDZYS09qajdMTThaN0lqRG9WczZqTW1ibExWeV80T3lsNWxRR1ZFSHlVbjZrMW91czJ6cW83YnhGbVEwNS1aRlBBUTRFQ09QWGZhR212TnlPV2Z3?oc=5) · Shaw Local
- 2026-06-25 [New L-P Agriculture Center Will Be Named In Honor Of Eureka Savings Bank - starvedrock.media](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPRld5U0doWi1hX1FfVGlzdUtWeGtHRGhZWUNncUhldWRFTGdEUWJYNi1vOXZ6TmxNbVFveEJDb1l1b0NLZE5ybmJnZkRVdmFINDN0VEljR1VIQ0lGSmxCd2tNYnpXME9fa1BDVXBncDQxWWFFUmpqdTh5SGhJdmNTdWl5MXFhYmlnX0dvLUVSMERSYWlsTVBpZGlUTDFHRFdIWTIyN1d3SFNsazhIZEwxVFYwRFdTMklYWlVsMm9ZeE5GaUNZeHdaeWV1eHpzQmxqb003ckRONjZ2WkVxNGtkXzN1aDJZU3RpcW04Q3dB?oc=5) · starvedrock.media
- 2026-06-26 [Eureka Savings Bank gets naming rights to L-P’s agriculture building - Shaw Local](https://news.google.com/rss/articles/CBMivgFBVV95cUxQaEp5WkFvVS16bU1EMFVycnp3eGViQnRZa1Q0Q1RUQzY0OThGR2tYRHhXQm1PMk8zMV81N293WmRoRzVxdkIzemVBU0pDZEZCTzI3S3cyUTNCSHdxMmdyb3lBYnYwVU1Pd25CS0c3OWNFSHd6MGIwNm1Oald2OVIzTjdLR2FUQXlsV0VZRnVaVk9WVzliX3BjeS1MTVFyb2E4SGhSbVF3NXEzd0NIWTZXZ09TT2Z5YlBGRlNBYlh3?oc=5) · Shaw Local
- 2026-08-30 [Tom's ReTake -- A Look at LP's New Ag Center -- Aug. 30, 2026 - starvedrock.media](https://news.google.com/rss/articles/CBMiygFBVV95cUxNWlhGRHl6ekc5NzQ0QlRnZ3pWN001ZDlJWUQ3QWhQSGtISjJMMGlLVF9nQ2Q4NGFaSjlXUjZDVEZlNFlHMm5MaWtBeTV3M292eGlSbGpjYzdOOUMzTjJQd2hkU2R6UnljNUE1ak1DVXpJM0NpWTlHNUhWNTVRbk56bjVfLWpsenZlU1dBeUlHSVVQYi14eHRMY00zUGhSX01PWF9ZVHp0NFdmRGxWMldmMkVQS0ZFTTMxQlpqcUJrekM3QThXcHVYTnB3?oc=5) · starvedrock.media
- 2026-04-23 [Operating farm equipment in Illinois - Farms.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdXdCcWdrUTNzY0JtY05DZERLYmJvNmV0RXQta3NGWjZPMXctdC1sZ0RvTmdPVW9PX1lzcEt3ZGxhYW5zTUo0MURPcDZkNTI2bGxpZEM5UjdSUzNKckpteU5VenpGcllGOFo4NWgtVml3VEJ5UmJYZm44bGVzUjdjTU9DdFpsLTRBT3c?oc=5) · Farms.com
- 2026-08-20 [LP Shares Sneak Peek at New Eureka Ag Center | 103.9 WLPO - starvedrock.media](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOSlFEd2UxWE5HUUdvT2dKNlZaR0dEQWFzeTlBdFA5WjlTZ1pTNHRfME9sNDV4NW8zTy00MGpscmpwdzNCbm1WQnYxYXpUemxMVFNsZnZvdUp4S0RLQkdNNmtUMlNjVFRPRGRhbnhaWDZtVzNaTGFQb1VSTnJVX3Z3ejFXa3o2ZWlDYTBmOThvSEUxcjJOTUJ4czhsLWFNRncwd1VTZkRLNFJ3QlZKVkcwYVNPQzRkQUE1dlZiUlB5Y1VCYm5zQVJyTQ?oc=5) · starvedrock.media
- 2025-11-11 [‘Shark Farmer’ shares life lessons - agrinews-pubs.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZHY0TmZqTS1rNkRTWENtMGRISTd5QlhFNlJxajVSRmJqSW9KbjktNmJsal9hbjZaQ2ZZQ2FrUXByMlhQNTA1akt5d0l5ekM3MjlRNVRKX05FaW1CTUdES2wwZUQ1aHozRDhycHJkb2pJeklCZUtoVEgzeWRKVGJoSWEzcTlVQTUtbHRB?oc=5) · agrinews-pubs.com
- 2026-08-22 [La Salle-Peru opens agriculture center - Shaw Local](https://news.google.com/rss/articles/CBMilwFBVV95cUxNYTlVVk9wYy15YnB6eHIyYlJTY1hOQWVuMlRtZEVwVk5CSmVxQmFETXdTbkVGRDMyb0dRUklEQzVPY2lrbnlNb0xfVFJWOFpEOGgtTUZHWDRRb1BTTEJDYkJvRWpEdGJhRVdldWVVUkRLQ0FZcXlVR0RKSDhWS3pLVDQ5aUtieFJXdzNFaV9Sb2k0MHRuUWhZ?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28401 (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/49.json (key "28401", 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