# NASHVILLE SAVINGS BANK
NASHVILLE, IL · FDIC certificate 29677 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $107.9M | |
| Deposits | $93.9M | |
| Loans and leases | $69.1M | |
| Total equity | $13.8M | |
| Loans / deposits | 72.92% (p49 of band) | 73.59% |
| Liquid assets / assets | 35.14% (p55 of band) | |
| Uninsured deposits / deposits | 30.92% (p83 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.89% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -3.10% (p65 of band) | -6.57% |
| AOCI / equity | -1.21% (p23 of band) | |
| ROA (annualized) | 1.39% (p62 of band) | 1.17% |
| Net interest margin | 3.41% (p26 of band) | 3.93% |
| Efficiency ratio | 44.60% (p7 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 7.16% (p33 of band) | |
| Auto loans | $790,000 (1.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 7 | |

## 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 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-03 | 2 | uninsured deposits leaving |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | NIM <2.5% |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2020-08-12 [Nashville Savings Bank Donates $20,000 To Local Organization... - morningsentinel.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYWJnLVhxMlJZWmZ1NTlXNW1hLUNsa2tUSmVRbmtPZjVsUjFFOVBaYmgzLU9ZMkhYSm5ydXBSWU4zdDd3azU0dVdRSDBJcE1oV1lXRDJSMldSZ01Ja242ZEJhbXRwYnVOV043eDVQRnJ1QUNMTHhjc01jS1VCOE5VZlE4TU9BM2VlYmlPNjFOYV9JSVZQX3h0cThYalctRVhTaVp2SUVQbDc?oc=5) · morningsentinel.com
- 2026-01-25 [Closings, Cancellations, & Delays for Monday, January 26, 2026 - 95.3 X95](https://news.google.com/rss/articles/CBMimAFBVV95cUxOazRVbEhzNWo3ci1DdkE4ZWpzc3UzSGxjZlcxcXpNWDdNMGd5SXZXT2lHM3g0aUp6bTFpM1RKVjV5cmlJMVlfcFRYamswZThGSVlKYjlMWlo4bXNOd3ZHRF9yOU1fV254aW14Vkl0VDNBUWFuTHBRVzFnWGRkZmVDdloycXlTVVJVM2VvVlBNcW9ldEw5MnFfZQ?oc=5) · 95.3 X95
- 2016-08-04 [Nashville Summer Reading Program, For The Win - morningsentinel.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQMGF0RXNaSFRPS0NOZU9FSnpjMUl6V2cwLXFJQnhRR3pSMzBCbDB0WHptOGR5MDNtQVctSlNXN1ZRWDhxU0FKckpIZC1HbUp1MjFmYXY4bDRUcngxRl9QZ2xrTFZoUXlyZ2ppYlpUM2FTV2N2N0JCV0JzSUtZMUZDWkh4T0E3MmEyQ0RhTENvWGd1X3Vtbi05Z2VR?oc=5) · morningsentinel.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29677 (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/45.json (key "29677", 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