# STREATOR HOME SAVINGS BANK
STREATOR, IL · FDIC certificate 30357 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $137.0M | |
| Deposits | $106.5M | |
| Loans and leases | $40.0M | |
| Total equity | $28.8M | |
| Loans / deposits | 37.31% (p10 of band) | 73.59% |
| Liquid assets / assets | 67.54% (p93 of band) | |
| Uninsured deposits / deposits | 8.70% (p10 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.99% (p91 of band) | 11.76% |
| Unrealized securities loss / equity | -5.80% (p54 of band) | -6.57% |
| AOCI / equity | -2.55% (p8 of band) | |
| ROA (annualized) | -18.93% (p0 of band) | 1.17% |
| Net interest margin | 2.90% (p10 of band) | 3.93% |
| Efficiency ratio | 52.41% (p18 of band) | |
| Noncurrent loans | 1.19% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 61.64% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.3M (3.33% of loans; DQ 2.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | securities losses >30% of equity |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | NIM <2.5% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | uninsured deposits leaving |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | deposits shrinking |  |
| 2020-06 | 3 |  | uninsured deposits leaving |
| 2020-09 | 2 |  | deposits shrinking |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | expense ratio p90 |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 6 | capital falling |  |
| 2024-09 | 5 |  | capital falling |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | deposits shrinking |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 5 |  | deposits shrinking |
| 2025-12 | 5 |  |  |
| 2026-03 | 3 | assets shrinking | NIM <2.5%, securities losses >30% of equity, expense ratio p90 |
| 2026-06 | 3 |  |  |

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

- 2026-06-12 [Streator businesses rally to aid tornado victims - Shaw Local](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYVI3aTY1YTV4MnIwUlZTSExCR2R0aXctZmFXb29XUU1fWUFEUTc4VEhDUFhVckNBS3FjbW1xbXdGWE42M2p1c2ZudUJXNjNQbWZ6SmhiVzFvZjFKd0JFVHhiZzAtU0lETVJlUHA1ODFoVWZraU9Yd1dkc2hRZzJzdXVGUjNLT1ZjUTRBQTRfS01id3pqekVTdVZraEltSXVaLUVXag?oc=5) · Shaw Local
- 2024-12-02 [Streator United Way exceeds fundraising goal of $250,572 - Shaw Local](https://news.google.com/rss/articles/CBMirAFBVV95cUxOUkdqNjJBS3gtM3N4ZWphVTAtNDJZOWNsQWZGaERvZ1lYTEZCQXJlTl9FV3FwMUJRRTJ3MkUzRUxtSVpndW5rbzlUWllhamdvNXR0ZndPSVdOWjhnc3gwVV9hOEY1VnFXVVN4c2p4NndZd0M5T3M5QXJmSlZ4ZHl3MzFLRHBmTVN1X1duOGxWTmhCUnFtd25pRmpneXA3clRKbkM5Z0c5U2FMQV9L?oc=5) · Shaw Local
- 2022-11-05 [Streator reaches its United Way goal, raising $277,827 - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaTVMWTlxTldHUzEya2YxeHQwM3V1MzM2Q3RYSVlOcVB5aU82SEMyLWVzYUdYYl9xcTdoQTI3T09TUUVCa2l1S2lfQXRHRkV5eU93UkNtbE9CVlg1TzZWaTBMeDNiQVZLZUNPVjVnRFo0cC1zX05tb29ycExqWi1WVFBFdWwzSVFFUHA1bEhZUFpieVB6ZVJtQVN5VTZTeDNjQVE?oc=5) · Shaw Local
- 2024-05-08 [Streator High School honors 57 students and their employers during Recognition Night - Shaw Local](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOdVFhcU9fcDFQcFVMYkF2NUJXcEtzNXZjLXAzcWRIN2JVclJBS2c5WHJjV2U5a2lxd092ZTVGaTlndXpfTEstaWw4VDcyclZxX2RmXzZ5WjFYSm9jX2p6anhvVy1SbVctdWMxUzdvOG9Vd1hfeGhMdjFOQmJROFpFOU1OSkMwMElDU28tRzdxcWZUeHp3QVJCT2JkS0hSbU03eERYU3FPT2RSbVBwMDBJZVhQTExuLXFqb25KMFdCUHA1bWFmX0xhcDhKTE1CNUlOUW50RQ?oc=5) · Shaw Local
- 2022-09-25 [Streator Knights of Columbus golf outing raises money for St. Vincent de Paul - Shaw Local](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPblpkSTFVNDFRRGlDXzJvbHhOVkFOY1NDNGhDNVpVMG43eDVFWjRiMFJvemFPR0t6Y05ZSEllbTIxRTVRQ1A0Yk40MF9NanhydzBaNldHM00tcV9pWGI0Mk5nNHQ1WW45b2JhUzY2WlpGWm1fZENmb2JGcXRKeTB3Y0VmeWZVSE51U2dkTFdNOVZ3d1NoaGVnMUYzR3p6OEM5VG55eWlDa1VyMVVTTzlHRFlWSFlTSXpqUXd1d2xyZ1ZBZTA?oc=5) · Shaw Local
- 2025-07-31 [Quiet Riot, Aaron Lewis and Theory of a Deadman to headline Streator Fest - Shaw Local](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRFU3OEhyWHdCWDBlckJxa0JCc0JReVFBaUJYVDBIZnJJZUoySjRCWFdXZ0NsRWs1dUFfdHBpZDU0WEJtRWg5OGdXeGoyWUtqWUh4cDdYbEplVjB6dUJPNW1vMW95c2hCUW5naF96NGdnYm05X2x1c1NocGFqeDB3X3YtUnlRV1dsNjF0U1RrMlA3bjczXzdXTWpnZDhJSmxuRXROSkVqcEpjMThYM2VtNjctbHVmM1RJMm1N?oc=5) · Shaw Local
- 2025-07-20 [Streator Fest returns with headliners Quiet Riot, Aaron Lewis and Theory of a Deadman - Shaw Local](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOU1pPdHoyZldQeTRGWEpEelJpV0pObTVpM01TZmVtTGpVSUdGWGctSnVqUVZScEp6aGVWXzBNZms0Q2paTzV2U1R2T2hMa0tBa25TaXFlMGhSVG9vT29RbFd5S3VuTVljRDdBSjRDdlBwVjNsY1RxZS1pTTcyWXMzWDN3MEp2RTBRZmg4b0lpeVBGUkJ5dkYzajdSeEk1TmJlQUQ4NGhpdFMzRnV6M3A2QkRDd1JkYi1Ca3o4WlFvcFVPR2w2ZE51bUlYVHlpTld1?oc=5) · Shaw Local
- 2024-07-08 [Streator Fest carnival mega passes now on sale - Shaw Local](https://news.google.com/rss/articles/CBMiogFBVV95cUxNM1ZWNndGT3dXZV93aS1XNWZrbmdhbzJncThpZDN5X3lfaEoxeDA2OUpoVmJQdkszZHFyMllDV3FmdnlXWkdzNWM1SVh0SzZWNlp0RFRsLWZLQ0l3aWZ3Y0V6cU5Tbk5PbVhQSUVaNE1RNURCZnFQQndrRjdKRTNlTXhhbFJxM0dZbVB4ZjQ2dF9BWFFSYXFqdEhlUlgtamZCcGc?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30357 (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/21.json (key "30357", 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