# PRAIRIE COMMUNITY BANK
MARENGO, IL · FDIC certificate 34526 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $187.5M | |
| Deposits | $170.9M | |
| Loans and leases | $134.4M | |
| Total equity | $15.3M | |
| Loans / deposits | 77.46% (p58 of band) | 73.59% |
| Liquid assets / assets | 23.90% (p30 of band) | |
| Uninsured deposits / deposits | 19.82% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.75% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -12.33% (p35 of band) | -6.57% |
| AOCI / equity | -0.68% (p37 of band) | |
| ROA (annualized) | 0.71% (p26 of band) | 1.17% |
| Net interest margin | 4.12% (p60 of band) | 3.93% |
| Efficiency ratio | 79.95% (p78 of band) | |
| Noncurrent loans | 2.82% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 54.00% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 29.79% (p64 of band) | |
| Auto loans | $174,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | charge-offs p90 |  |
| 2012-03 | 5 | capital falling, assets shrinking | charge-offs p90 |
| 2012-06 | 5 | charge-offs p90 | assets shrinking |
| 2012-09 | 6 | leverage <7% |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 4 |  | capital falling, charge-offs p90 |
| 2013-06 | 7 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-09 | 6 |  | leverage <7% |
| 2013-12 | 8 | leverage <7%, uninsured deposits leaving |  |
| 2014-03 | 6 |  | losing money, uninsured deposits leaving |
| 2014-06 | 5 |  | leverage <7% |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 3 |  | deposits shrinking, assets shrinking |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | noncurrent p90 |
| 2018-06 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2018-09 | 2 |  | reserve under noncurrent |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 4 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 4 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 4 | reserve under noncurrent | charge-offs p90 |
| 2020-06 | 4 | charge-offs p90 | losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2021-03 | 3 | losing money |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 2 |  | noncurrent p90, losing money |
| 2022-03 | 0 |  | capital falling, charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 | construction >100% equity |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | construction >100% equity |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 2 |  |  |

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

- 2018-01-14 [Jose Rodriguez Obituary Jan 14, 2018 - Davenport Family Funeral Homes And Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBSa1J5QlNOeU1MX3ZrU1JIZFlJWFc0c2ZCTWd1LVl1QWM4a3k1QjI5cHZRNGR6OG0wRThmVWpYUU9fNkZaemdSVnJ5VHJ1dU1XcXRBY3FXekhfNm45UjZHdXNUUGU3aTJp?oc=5) · Davenport Family Funeral Homes And Crematory
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2025-12-02 [James Zenk Obituary (1948 - 2025) - Marengo, IL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPOWlxTEdybDZHWXNSYUxpYlY4bDdPdWp2UTkxcVBvMS1hdHBPVWQxV0NwSnVtREJnbEFLVk5peV9BNGE1VlhIVVh5QkJpdEJYUURUdXZvTmtjU1FqYk8zUkJ2dGpjRy1oVC1IckhrNzdHNDNVY05NUnM3anVCSFp1TTFtenFiLWtKY2c?oc=5) · legacy.com
- 2018-03-19 [Robert Beauchamp Obituary - Marengo, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNalczNW1uYXlKRWxKZFNSNi0xbENNbFNuSG9hNUx2MmplbzdlNW1SbGp4Yk81a0ZvU3A2RF9yX1c5MUJEYi16QkRGek9FMTVsY1pZOG5xSjJobWVoT0ZRMWJNN184Wjd5a1FjSVJ3ZVhGQ2VCRHIzdnd5M3Y3ZWZGMmFKV2Q?oc=5) · Dignity Memorial
- 2016-10-04 [Elgin man sentenced on federal bank fraud charges - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOd0FwUzBhVDA1VGRkMEEycHRJS3RUSGp5SXJpYkQ0V1M4NWlkRHB3cXhSSnYzWmoyNWlIZlpoUXRnNDNCdURDd2hiUnlJSVBaQ1U1SFdYYldNYTZ0VTNSbGRZTVJJZU1ibkgwQThhbEZYbkxBdVZCeGtKV1E1XzJySWxFbzI5WE5xekdaeWtpQTFBYkN1eWFTMm1vdl9BVnJqd0dXTUtvVjVzdw?oc=5) · The Business Journals
- 2022-11-24 [Marengo Park District looks to add new venue at former pool site - Shaw Local](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQenhhTklYRXNsZTZRRzBQWDVJdmRGN2lLc0RYTGtCS2V5RWQxUWE2WjhIT2lETEhPZFZ4cVNrM3FNTmlaZTZXSFc0WW0xdlIzNzFaV1FDSzNZY213cVpWNk1ZT2szNDBucVAzZnd0Ym44ZnVUcVdzNFJZMlk0YW1mcVNET2QtWUNVVXVVdGtacFBaelZlV0JZRmdNYzdzTnJ1czgydHRUaS05M2xaYm9NeVVqOHlSTHR1TlFXR0xUYlpYdw?oc=5) · Shaw Local
- 2021-11-30 [Joseph DeMay Obituary (1959 - 2021) - Lake In The Hills, IL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOcnUxX25zY2o1NjlpdHh4QlJVcFpTazhZUDVTV2dyRHpvZ0xoRHRZb1lOR2tKeTdSR2wzUmE2bFlZMUZjdXE2WVRPT0djcmdjenJkUmU3LV9UQW52R2E4T1RCUjdRc0xueWNfazFJdm1GWUtSbHFySXVob1BINUZReHA4NnVjMl81OEg0eQ?oc=5) · legacy.com
- 2024-12-04 [Dennis Gieseke Obituary (1948 - 2024) - Marengo, IL - Northwest Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQV0FmeWx1U3dJZUE0STlPTlNHaV9qaWxZaGVORWx1Nm9nYU9fVTJTYzdRTXRqRks0SjlsMTVEcnVicEl3Y0R2Vm43dF9KakJFb0dhNGFHWWdaMEdzZTVpSVBjXzJrb0kyNEZmYlRzODNjZnctQmM5U0dkM3p2RVZQRVZxdmlQcjJCajdwaW1kOA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34526 (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/30.json (key "34526", 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