# TWIN OAKS SAVINGS BANK
MARSEILLES, IL · FDIC certificate 31004 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $63.1M | |
| Deposits | $51.2M | |
| Loans and leases | $32.1M | |
| Total equity | $6.7M | |
| Loans / deposits | 59.56% (p30 of band) | 71.36% |
| Liquid assets / assets | 47.30% (p74 of band) | |
| Uninsured deposits / deposits | 4.09% (p10 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.13% (p74 of band) | |
| FHLB advances / assets | 7.13% | |
| Tier 1 leverage | 9.77% (p37 of band) | 10.52% |
| Unrealized securities loss / equity | 8.41% (p97 of band) | 0.17% |
| AOCI / equity | 7.35% (p91 of band) | |
| ROA (annualized) | -1.00% (p3 of band) | 0.81% |
| Net interest margin | 2.81% (p12 of band) | 3.65% |
| Efficiency ratio | 107.98% (p95 of band) | |
| Noncurrent loans | 6.51% (p97 of band) | 0.86% |
| Net charge-offs (annualized) | 0.53% (p95 of band) | |
| Reserve coverage of noncurrent | 76.34% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 12.33% (p44 of band) | |
| Auto loans | $857,000 (2.67% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.6% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 2 | NIM <2.5%, uninsured deposits leaving |  |
| 2013-06 | 6 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 5 | losing money | deposits shrinking, assets shrinking |
| 2013-12 | 7 | noncurrent p90, deposits shrinking, assets shrinking | losing money |
| 2014-03 | 4 | losing money, expense ratio p90 | NIM <2.5%, charge-offs p90, reserve under noncurrent, noncurrent p90, deposits shrinking |
| 2014-06 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2014-09 | 7 | charge-offs p90 |  |

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

- 2024-06-12 [Louis R. Bending Obituary Aug 25, 2019 - Davenport Family Funeral Homes And Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5vVmQ2MHZoWDlXYUdhZG5qTEIwNm9aNFVjaUJtRjNNYzExbk5NelM2d0JBNDVCUGhmYVk1SzdXNnUxajBlSmJLNzYzcFItQWhiN0NUNk1DYzlQclp2a1dxZW84QVdzNzQ?oc=5) · Davenport Family Funeral Homes And Crematory
- 2023-05-10 [Claudette Elzer Obituary (1947 - 2023) - Marseilles, IL - My Web Times - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSGtDZ1FDcEE5OWNhb2huTGUxTWoyVnlHR1MwMnh3LUVLNElpeTgtbmxacC1YUHZNQWdxbWR5Y0Z6WTdyei1zTGFkRnpiQ1VuNGg5NnZXc3pBdUMxX29KLWRhN1ZLX3g3ZHMxdUd3YXhsQ1ZxWmVrMUtaR2V6UkFyUkRyX1Qzb21Ka01PMDVNaThqNHM?oc=5) · legacy.com
- 2018-06-06 [Elzer 50th Anniversary - Shaw Local](https://news.google.com/rss/articles/CBMid0FVX3lxTE9XR3RkRE4zZlF2c3FqWjJiV19NMlA5TVN1aGMtci1fWnAxc3p0TDA1SXVHSG5mMTA5Q3lSdXZYdFZUZG5UVkZDenB1OENSZGtTSXpsNno0d3VjOUl3aWQyY1BOYXRIbllUNnU3T0N3ZEdUOEdCVDRZ?oc=5) · Shaw Local
- 2010-06-27 [Patricia Zika Obituary (2010) - Chicago, IL - Chicago Sun-Times](https://news.google.com/rss/articles/CBMingFBVV95cUxPdmlCVXZhelZicmFjT1JCSzdIYlNLNi13U1A4dFdxZHg2RHl6V3dEdDZ1ekZJazBvRW5hRXc1M2tFdXpFcE1EMDRQbEVlcGxISzgxaG9ST0w4NlVhckxFZ184d01SaWtSSDlnUlRtaENPM3lvMGZRWW5Sa1dLUldyYTU4WldwOGtRaDdOejgzWFUtbV9JZXoxUWg2SHA0dw?oc=5) · Chicago Sun-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31004 (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 "31004", 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