# BANK OF LAWRENCE COUNTY
BRIDGEPORT, IL · FDIC certificate 34721 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $44.8M | |
| Deposits | $38.8M | |
| Loans and leases | $11.3M | |
| Total equity | $5.5M | |
| Loans / deposits | 28.92% (p5 of band) | 70.43% |
| Liquid assets / assets | 73.52% (p96 of band) | |
| Uninsured deposits / deposits | 32.90% (p94 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.89% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.47% (p64 of band) | 10.49% |
| Unrealized securities loss / equity | -0.40% (p8 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.57% (p34 of band) | 0.80% |
| Net interest margin | 2.22% (p5 of band) | 3.57% |
| Efficiency ratio | 76.47% (p57 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 73% | |
| Construction % of loans | 5.46% (p31 of band) | |
| Auto loans | $907,000 (8.04% of loans; DQ 2.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.5% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 | reserve under noncurrent |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 3 |  | uninsured deposits leaving |

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

- 2026-03-05 [Micheal P. Macey Obituary Oct 13, 2014 - Emmons Macey and Steffey Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBOQkMzeF9UTGtZLW1YTjVQdFMwV2xWMkJCT3NXXzJicGlCejBhZGhkRGpTbDlYQU9BeVRVTWFBa0lST3FRTVJuMFE3UGVlek1ZV2hGdVl4S3BQejI2OUY3eHpHdUZMdHhEaFVB?oc=5) · Emmons Macey and Steffey Funeral Home
- 2016-09-29 [Women sentenced in bank fraud incarcerated - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMihwFBVV95cUxOQ01zZ0NyU3pWdExjQXlrOWtlV05uWEV5RWgwQzhZMlJtTmFiNVJ1cjBlRGpuZWNndDR0M0xFVG5xMDg5b0tPTnQtS0xXdV8tdjY0Q2RWc2tKY2Vja1JSSF9fRGZYc3BvbWQ2RTN5LS1YUld4YzV0SzJnTnlBemZ2NWlWbUJvN2PSAZoBQVVfeXFMTUI3WnVFNElnTEFtRDBhN1FhNUw0OGVBdWZXcGw0U2V0ZzlJclY2WnJMMG5GaTBhRVUzd2cwMTFScVBNeWt3T3NTVHc3MUJOYV9HLU15QTBGMF9PdGNmbDdQbEcxa1ZzaVZQdzVzc2tRTk95bDVxSnVpeUdYS1R3YVJmYmJUczJTWFdaeXkzT09nS2ZJcm5wVFRvdw?oc=5) · K8 News | Jonesboro, Arkansas
- 2019-03-09 [Brad Miller joins First Financial Bank - Washington Times Herald](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQUXRMeXZyUS1CQzIybkhpaXJLRjlsM2pKd01lbjE3SE16QmFOVW9Ib1Zhc2V5NUJsZk0yc01LTzZXbDQzMlNYWjFkeXQyVWJpejItS2hHaG5ZVThHOGEyQnFwZDNUNEU0UC1vb1VhTHhxN1g3TURBbG9ka2JWYjNvcXllWGllWHN1NzJ0QUNZM1VWQlhFNksxbTcwbDhhcFM4OUxvbHFoM2VpSG5aUzVISmUtS1hETGtkeEF6THVPalp6dmlnWmNmOA?oc=5) · Washington Times Herald
- 2014-11-08 [Frank S. Ladner Obituary Nov 8, 2014 - Emmons Macey and Steffey Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE13RTdMdjFQanYxdUMzZ21ZMzFZVmRkbXdLVGNtaGZPNGZLc0p2ZThtb3A1dVplU1BSSVU3V0pXVmVHZXhYLVpxNndBREJMWVFQRFlDeGxPS1BBc2xZczMxRWJ1YjUydkFsSnc?oc=5) · Emmons Macey and Steffey Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34721 (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/33.json (key "34721", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide