# NOKOMIS SAVINGS BANK NOKOMIS, IL · FDIC certificate 29532 · asset band <$300M · latest filing 2023-09 · stopped filing (departed) **Verdict on the desk:** this could be *run candidate*. Composite score 13 (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 | $24.9M | | | Deposits | $19.2M | | | Loans and leases | $8.6M | | | Total equity | $352,000 | | | Loans / deposits | 43.95% (p17 of band) | 69.44% | | Liquid assets / assets | 60.01% (p87 of band) | | | Uninsured deposits / deposits | 0.70% (p1 of band) | 19.29% | | Brokered deposits | 0.00% | | | Wholesale funding | 20.87% (p95 of band) | | | FHLB advances / assets | 20.87% | | | Tier 1 leverage | 13.27% (p69 of band) | 11.39% | | Unrealized securities loss / equity | -1266.48% (p0 of band) | -25.32% | | AOCI / equity | -257.10% (p0 of band) | | | ROA (annualized) | -4.85% (p1 of band) | 0.97% | | Net interest margin | 1.37% (p1 of band) | 3.55% | | Efficiency ratio | 434.46% (p100 of band) | | | Noncurrent loans | 6.18% (p99 of band) | 0.22% | | Net charge-offs (annualized) | 0.14% (p93 of band) | | | Reserve coverage of noncurrent | 25.09% | | | Real estate % of loans | 69% | | | Construction % of loans | 29.55% (p57 of band) | | | Auto loans | $320,000 (3.73% of loans; DQ 21.88%, NCO 0.01%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -14.1% | | | Employees | 6 | | ## Flags firing in the latest filing - **wholesale funding >15%** (`liq_wholesale`) - **capital falling** (`cap_falling`) - **AOCI drag >20% of equity** (`cap_aoci`) - **securities losses >30% of equity** (`cap_secloss`) - **losing money** (`earn_negative`) - **expense ratio p90** (`earn_efficiency`) - **NIM <2.5%** (`earn_nim`) - **noncurrent p90** (`aq_noncurrent`) - **charge-offs p90** (`aq_nco`) - **reserve under noncurrent** (`aq_reserve`) - **deposits shrinking** (`shrink_deposits`) - **assets shrinking** (`shrink_assets`) - **uninsured deposits leaving** (`flight_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 2 | wholesale funding >15%, NIM <2.5% | | | 2011-06 | 1 | | NIM <2.5% | | 2011-09 | 1 | | | | 2011-12 | 1 | | | | 2012-03 | 3 | NIM <2.5%, reserve under noncurrent | | | 2012-06 | 2 | | NIM <2.5% | | 2012-09 | 1 | | wholesale funding >15% | | 2012-12 | 1 | uninsured deposits leaving | reserve under noncurrent | | 2013-03 | 0 | | uninsured deposits leaving | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 1 | uninsured deposits leaving | | | 2014-06 | 1 | | | | 2014-09 | 1 | | | | 2014-12 | 1 | | | | 2015-03 | 0 | | uninsured deposits leaving | | 2015-06 | 2 | NIM <2.5%, uninsured deposits leaving | | | 2015-09 | 1 | | uninsured deposits leaving | | 2015-12 | 1 | | | | 2016-03 | 1 | | | | 2016-06 | 0 | | NIM <2.5% | | 2016-09 | 1 | NIM <2.5% | | | 2016-12 | 1 | assets shrinking | NIM <2.5% | | 2017-03 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving | | | 2017-06 | 1 | | assets shrinking, charge-offs p90, uninsured deposits leaving | | 2017-09 | 0 | | deposits shrinking | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 2 | loans exceed deposits, wholesale funding >15% | | | 2019-03 | 5 | capital falling, losing money, expense ratio p90, charge-offs p90 | loans exceed deposits | | 2019-06 | 3 | | losing money, charge-offs p90 | | 2019-09 | 3 | | | | 2019-12 | 2 | | expense ratio p90 | | 2020-03 | 3 | uninsured deposits leaving | | | 2020-06 | 4 | reserve under noncurrent | | | 2020-09 | 7 | losing money, expense ratio p90, NIM <2.5% | | | 2020-12 | 5 | | capital falling, losing money | | 2021-03 | 5 | losing money | uninsured deposits leaving | | 2021-06 | 6 | capital falling | | | 2021-09 | 3 | | wholesale funding >15%, losing money, capital falling | | 2021-12 | 4 | wholesale funding >15% | | | 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, assets shrinking | expense ratio p90, wholesale funding >15% | | 2022-06 | 8 | losing money, expense ratio p90 | | | 2022-09 | 7 | | losing money | | 2022-12 | 10 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | | | 2023-03 | 11 | capital falling, losing money, charge-offs p90 | NIM <2.5%, AOCI drag >20% of equity | | 2023-06 | 12 | NIM <2.5% | | | 2023-09 | 13 | AOCI drag >20% of equity | | ## In the news (Google News, unfiltered, newest first; check the city) - 2023-04-28 [Land of Lincoln Credit Union to acquire Nokomis Savings Bank - Decatur Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcTBIZ1YwMjFCQmoydkF2Q3g2dTQyanF3VDg1Q0tIOHlURXNxY2lSUXRHRndrTkZpUm0ya2Q3REhBcVNVQ0duVlRtWVB3em5wSEJjWFJDQ0l0THhMUmdmaTVMOEN3RmZSVC1WNGJzelhGYnBwRGpMS1Zza2tzZGRGS2VMMFh5dG9aYU96N1ROOE0yMk5zMDkweXJQcFVfa3lRVVpBbnhB?oc=5) · Decatur Tribune - 2023-08-30 [Michigan credit union buys Chicago-area bank in August deal surge - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1h5WlpLTXg1am5xSkJ0NzNUTjc0YTZQM3ZHd3NtN0pKbTVVREhScTNyUUtseXNQNFlSZG5YSU1OOVRzRmdXcXRqczMwVHdrMDRQSUJmc2gzamxQeHU1Vm84QU4xcWFIWVJXWk9aVGl2b3E2ckdtRWxfTTVjckZyMzdsbDZ4b2ViSHJsV2ppU3ViLWxhMENLc3I5eTZ6cXJqSXk0XzdrZWlmd0hXdXpTTWpWdlh4WGdRWGRsUW9xRmt3N0ZRWUQ4?oc=5) · Banking Dive - 2023-12-28 [Shaky economy slowed credit union-bank deals in 2023 - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTjVfS01SN213NXlGNlczd0JXYUFldDlTMkx3cTFKOTZYZDZabk5wenoyRmZJT0pva0VqUTUtNDExVGRDWTZyVEtTd3BKSXJ1dWNhbnl2N2xHZEVQb3Z5azF2SjFfU2cwNHNsRE9jcnNmTEJYWFo2S1J1RVpXQXZNNXcwcU1NVDJoUGRPdlNLbDl1a2dsNTNqSGJEdmxrMmhueERJ?oc=5) · American Banker - 2025-01-24 [5 severe enforcement actions handed out so far in 2023 - S&P Global](https://news.google.com/rss/articles/CBMi2AFBVV95cUxONlZGeUpNLUpodU9xQTlvX1c2OFZNQ2lHa21yMkhNR3lfQmVUNVFlZ2tvUGpLU1ZrZUo0OU5NeXF4aGQ4UzdxU1pGSDFRWnZTeE1NNEpncXM2alY2ekZXeXRJS3N3OWdaOVg0Z3dzazY2eGwzN0Q1SjFuXy1ZbGNoV0pQbDBPcDU2WTVxdkxmcVdzY25WZzlPTHg3dWttN1RiQWRvbzBxeDhsWGpWa0pYR3F3Z0F4WGwxM0xaNC14eHZLb0FpSzdCOTZTOFpQbjF6d1RITEdDUHA?oc=5) · S&P Global - 2018-08-02 [Nokomis First National Changes Presidents - thejournal-news.net](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZVBuSkp1dk5RU3EwNzdPTVB6OW1GaUoxZS13SlppSDhFQzlOc3hsbkJYZ1dVU1FhLXNxYmkyMkdCR2NzaVMxOXMtclZQbFd3M2pkSDJEaHpQUWlBUE9Vb1JUSUdOQUYxTFh6SFN5M2tNV0huZ25SYm9NdFdPNkJabVJtME9ab1NVY0RBUWVBVQ?oc=5) · thejournal-news.net - 2023-06-07 [New Mexico credit union to buy Western Heritage Bank - Banking Dive](https://news.google.com/rss/articles/CBMiswFBVV95cUxNYl91WUg1eE9kczM1U2pzU2RwUGdXYS0zdXNSMjhhN0ltSzgwQ0IzNm5ob3FFd0NfRm5oSUtyd1pfSXhMa1FLNWhydHZqLWVnSWhTQmFHUVItMUhYVHV4aG9fZmk0MmtyaXlRa05CLWRqSnVMdTA3Q2h1Y1oyTDNCSUlWTFdRQmVDVEFoN0g1N0FPRkpFSXNWdVhWZFRBdDY1a0o2aU5QVjFNVjNSVGtPQ3JGaw?oc=5) · Banking Dive - 2023-06-02 [Alabama credit union to buy SunSouth Bank - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxNYmpTanBwQW5EUklDdjZIV1JFSVdwYTV5SHByM1RQWjJ6aFRyb3ZoNXZ4NWM5UGkzY08xNlBDa09ZYUkwQVVOaGQwN1phR1hQMFF3bVhOWUVuNzJuMTI1eXRRMTRZVlFpZ19ZMHBPNkJhazU5Wm45WG1oaDdpeC1sanNpbFFjN21tWUE?oc=5) · Banking Dive ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=29532 (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/28.json (key "29532", 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