# DEWITT SAVINGS BANK
CLINTON, IL · FDIC certificate 29535 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $173.2M | |
| Deposits | $141.1M | |
| Loans and leases | $83.9M | |
| Total equity | $16.2M | |
| Loans / deposits | 59.15% (p29 of band) | 73.59% |
| Liquid assets / assets | 47.02% (p75 of band) | |
| Uninsured deposits / deposits | 18.38% (p45 of band) | 19.81% |
| Brokered deposits | 8.09% | |
| Wholesale funding | 16.74% (p93 of band) | |
| FHLB advances / assets | 8.65% | |
| Tier 1 leverage | 10.47% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -21.80% (p21 of band) | -6.57% |
| AOCI / equity | 5.60% (p100 of band) | |
| ROA (annualized) | 0.59% (p21 of band) | 1.17% |
| Net interest margin | 2.88% (p10 of band) | 3.93% |
| Efficiency ratio | 78.08% (p75 of band) | |
| Noncurrent loans | 1.21% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.14% (p89 of band) | |
| Reserve coverage of noncurrent | 43.80% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 18.06% (p51 of band) | |
| Auto loans | $13.5M (16.06% of loans; DQ 2.13%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  | assets shrinking |
| 2015-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 4 | capital falling, expense ratio p90, auto book souring |  |
| 2016-09 | 3 |  | expense ratio p90 |
| 2016-12 | 1 |  | capital falling, auto book souring |
| 2017-03 | 3 | expense ratio p90, auto book souring |  |
| 2017-06 | 2 |  | auto book souring |
| 2017-09 | 2 | auto book souring | expense ratio p90 |
| 2017-12 | 3 | wholesale funding >15%, uninsured deposits leaving | reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent | auto book souring, wholesale funding >15%, uninsured deposits leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 2 | auto book souring, uninsured deposits leaving |  |
| 2019-06 | 2 | capital falling | uninsured deposits leaving |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 1 |  | auto book souring, capital falling |
| 2020-03 | 3 | charge-offs p90, auto book souring |  |
| 2020-06 | 5 | capital falling, noncurrent p90 |  |
| 2020-09 | 4 |  | noncurrent p90 |
| 2020-12 | 2 |  | charge-offs p90, capital falling |
| 2021-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 3 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2021-09 | 4 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2021-12 | 1 |  | reserve under noncurrent, charge-offs p90, uninsured deposits leaving |
| 2022-03 | 4 | capital falling, NIM <2.5%, charge-offs p90, reserve under noncurrent | auto book souring |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, auto book souring | capital falling, NIM <2.5% |
| 2022-09 | 6 | wholesale funding >15% |  |
| 2022-12 | 7 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-03 | 3 | assets shrinking | reserve under noncurrent, AOCI drag >20% of equity, auto book souring, wholesale funding >15%, deposits shrinking |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2023-12 | 2 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2024-03 | 5 | losing money, expense ratio p90, NIM <2.5% |  |
| 2024-06 | 6 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2024-09 | 4 |  | capital falling, charge-offs p90 |
| 2024-12 | 3 | reserve under noncurrent | losing money, expense ratio p90 |
| 2025-03 | 4 | capital falling, charge-offs p90 | NIM <2.5% |
| 2025-06 | 4 |  |  |
| 2025-09 | 6 | brokered >10%, wholesale funding >15% |  |
| 2025-12 | 4 |  | securities losses >30% of equity, charge-offs p90 |
| 2026-03 | 4 | securities losses >30% of equity | capital falling |
| 2026-06 | 2 |  | brokered >10%, securities losses >30% of equity |

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

- 2026-01-28 [Obituary for Joseph "Joe" Brian Taylor - McCommons Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE43RkdDOUEtNzNlSXQySnVQbGRjSEJ0OWRCa2kyS2NISGpkQk9RSUlFS1h6bTB1MlZJR2hoUVpoSmtTSGRScjJOcVY5N0t5QUVJU29TVko5MW5MNWFONnVCUVhNdzM2eEw1SUZvWjZsYw?oc=5) · McCommons Funeral Home
- 2011-08-03 [Debt woes mount for JSP Investments - The State Journal-Register](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdzFNcTN3aVAwanktdjk1LTZEWTF6aXJjVUJpVDdVOVpVMHhhSmw3Vml1MXVnVXp6a2tfaFN4VXQ3emF1Q0ZURFlPRDU4X2ZoM2FSaVVkcm5YUFQ1Rkw3SlZzQUhWdVdCUVlBa2pPaDBvZ2lFZC1SXzJuNzcyRlRfRWs0NkUwUQ?oc=5) · The State Journal-Register
- 2023-12-24 [Dixie Walden Obituary (1936 - 2023) - Clinton, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTEtPTm9TNUhiM2VacGRQcnpuMFlpTmhXLXZYTkFmanZ3VklnTU9aUlBUczVyMWp4ZW9pdlpiTlMzQVB6aXplRzY5bWZna2lXQjZQX2tyMGVOUGNBVWZFb0Z2RndDeFVuU0x6QXo3U0RCZm5yWG9jLUgyLVBNQW1WM3duYUJ5ODJIREtPbjRuX1pkdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29535 (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/31.json (key "29535", 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