# SECURITY SAVINGS BANK
MONMOUTH, IL · FDIC certificate 28925 · asset band <$300M · latest filing 2026-06 · live

**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 | $241.4M | |
| Deposits | $210.1M | |
| Loans and leases | $152.2M | |
| Total equity | $27.4M | |
| Loans / deposits | 71.57% (p46 of band) | 73.59% |
| Liquid assets / assets | 32.16% (p49 of band) | |
| Uninsured deposits / deposits | 23.39% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p54 of band) | |
| FHLB advances / assets | 0.19% | |
| Tier 1 leverage | 12.97% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -22.34% (p20 of band) | -6.57% |
| AOCI / equity | -0.46% (p46 of band) | |
| ROA (annualized) | 0.96% (p37 of band) | 1.17% |
| Net interest margin | 3.89% (p48 of band) | 3.93% |
| Efficiency ratio | 69.72% (p59 of band) | |
| Noncurrent loans | 0.30% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p64 of band) | |
| Reserve coverage of noncurrent | 389.69% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 3.12% (p25 of band) | |
| Auto loans | $10.2M (6.68% of loans; DQ 1.85%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 32 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | NIM <2.5% |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, NIM <2.5% |
| 2021-12 | 1 | NIM <2.5% |  |
| 2022-03 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | assets shrinking | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-28 [Terri Ewing Announced as 7th President/CEO of Security Savings Bank - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWFhFX2RJeW9jeHB1SENNMFk0cHN4ZDJieWJJbll1ZTdxUDliM0xHSVVFYmdBRExWd0Nvek1SMlBuNGFYWmlRZEdvMktQLWxzelc2Z3ZzYjlvYmdSZV9mMnVzUjEtNE9sVzZFdFc1ZXkxMUsteE9NYkFwbjFTa2ZxVWFWYVJ2MU5ReHdBMHZPSkxaMFhCS09iSXRoQy0?oc=5) · Radio Monmouth, IL
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-11 [Security Savings Bank Expanding Customer Convenience with Drive-Up ATM - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMioAFBVV95cUxQWEdmX0FCZW1MLTZNQjJiWURBM2QtZHVyZUpGQTlWT3RfOEZPUE1uVzcwUV9kcno5czNraWRycXJfN2Y1em5CTFJrV1FTUmpiMy1uS2JUV3VPVnRZQ2FlM3JmUElPSnAyMWx4WnZsTzYyWS10WUhILUNFc0JoTVBMa01aalhISjRrRUZESXdZc1BqdkdLZng3VkFQSmVYZFJY?oc=5) · Radio Monmouth, IL
- 2026-04-17 [Security Savings Bank of Monmouth and Stronghurst Announces CEO Resignation, Names Interim Leadership, and Initiates Transition Plan - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOTmZwWnBkTk9tdTVPS1Q4NHd5TmNlODA3ZUNGMjhHdUstWUVLY1lJNVI1Y2ctQXAxckpWY2NTTGJtQ0tWMkM1c0QzREM2TVQxcm1NOU52dDJEaTBiSDBZa1JsZm56dldRbEVLS1ZKaU1ORmNyRWNhc0VFN0NrSVJ1Vmo0VDBRai1ZTjlKQlJmZFlvdGF2QlozTkJXa0lQOTlkRGNodVhHb3FxalN3YzJYMFFlNWMyLTNnRVBMN2hhb1c2N1BZRmszM1pnSXIwVDhIWjBPaWJZNG4xN2FLMDJObUgxNV9XNmxySjk1YlRrQ24?oc=5) · Radio Monmouth, IL
- 2026-08-13 [Security Savings Bank Vice President Dorothy Ricketts Offers Guidance in Protecting Against Fraud - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMixAFBVV95cUxNS001NjE0LWtqVjVfQUdpSElwZEw2TFdrZTF1TktTVnYteW9MYW5EeTFqMTFKX2s4MTYyZTNQTDhsMVBkTTZqTFY3d0xmVUwzSlZrWkRUU3ZKXzFPY3d1ZE9tRUNZekNJQnV6S1BvQ2dmNGxrRUxnNjQ1bE1JRGNKZEE5UmMyQ2kwRzF3QVR1Y2h6ZGtCUWV1RlFtZm5RM1hpSzJITTJSV0ZpSTk5LWw5eEFGZjQ3MXkteDUzcEVkbWpuSDN6?oc=5) · Radio Monmouth, IL
- 2019-07-14 [Ray named president of Security Savings Bank - Galesburg Register Mail](https://news.google.com/rss/articles/CBMirAFBVV95cUxOLWcxRDFJbVp0Uk9sWHFZaVRZRkpDRkdiQUdod0xoMVZfZ3dlOFZvNGgzemlfZHJ1eHFCZTQ4bHJVY2tzSEVYbzV0akhMYVpyYUozczlxd0NwMk9JTG5LcDNRYzlBTVRVQ0lYamJTYVB0OFBGYmlJcWliSko1NE0xX1dGQzk1T2hXR1pBNExiQmgweTZYM3EzdHZhblZWcUl1RmtRYzdqZmU3cm0x?oc=5) · Galesburg Register Mail
- 2025-12-19 [Security Savings Bank 2025 Annual Meeting - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMiekFVX3lxTE9ja2Niajh4U1EyaERJb0g1NXBLOW8tRkhPWks2bkliSXY2eUR4ZkhfY19RX3FmajRsNGt6NzY1RzRVTmxESGpSeDV1ejRVT1JYUW9jVENWV2VmNi1WMUJTb2k4REhoMVpZVU9yYm9SelVhbWlNNVBfS1hn?oc=5) · Radio Monmouth, IL
- 2026-04-22 [Sauk Valley Bank Announces Brad Ray as Executive Vice President - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMilwFBVV95cUxQM0hkTC1zOW1XTjIxakdNcVBMcmZzWWR4Q25PcS0yRWpqRXdYUFNlY1Z3MWJ3VjdZbzVsU2xWRDFMQWVnNm10Q3lIemhNYjVwWFJpQndCNmFXMV8xdGtsbTFYZFhCM09ZVUh4MnVRMjh2M2ZOTFB1YzY5RjM2RTFqeUd6bTFZVGR0VkdPNEJwNVlFc3Q3UmVR?oc=5) · Radio Monmouth, IL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28925 (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/61.json (key "28925", 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