# SENB BANK
MOLINE, IL · FDIC certificate 35109 · asset band $300M-1B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $331.6M | |
| Deposits | $273.2M | |
| Loans and leases | $245.1M | |
| Total equity | $25.5M | |
| Loans / deposits | 88.59% (p68 of band) | 79.68% |
| Liquid assets / assets | 21.94% (p38 of band) | |
| Uninsured deposits / deposits | 22.11% (p38 of band) | 24.93% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.02% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.03% (p44 of band) | 10.32% |
| Unrealized securities loss / equity | -43.21% (p35 of band) | -27.41% |
| AOCI / equity | -8.46% (p17 of band) | |
| ROA (annualized) | 1.38% (p70 of band) | 1.05% |
| Net interest margin | 3.96% (p75 of band) | 3.46% |
| Efficiency ratio | 69.22% (p60 of band) | |
| Noncurrent loans | 0.29% (p54 of band) | 0.25% |
| Net charge-offs (annualized) | 0.02% (p69 of band) | |
| Reserve coverage of noncurrent | 431.84% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 61.28% (p54 of band) | |
| Auto loans | $693,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, expense ratio p90 |  |
| 2012-06 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 2 | uninsured deposits leaving |  |
| 2018-09 | 1 | wholesale funding >15% | capital falling, uninsured deposits leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | wholesale funding >15% |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | wholesale funding >15% |  |
| 2020-09 | 0 |  | wholesale funding >15% |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking |
| 2023-06 | 3 | securities losses >30% of equity, deposits shrinking |  |
| 2023-09 | 1 |  | assets shrinking, deposits shrinking |

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

- 2023-10-25 [Central Bancshares completes purchase of SENB Bank - KWQC](https://news.google.com/rss/articles/CBMihwFBVV95cUxNMmNXWDR6TmZ0VU5tSW9WUTZKN3hnWHFzR25DZUp1Z1FHNnp4ZjZiTHMyWEtUa1BGLTk0STRhS0VCY01HbEVFcXVEdFhDbHlRem5XM1lNM2pYY3RvdFNqcHJqeE42ODBhOWJCVmt2LVZENDhZTkotZmJEdTlNZmxYUEtSR0JDZVHSAZsBQVVfeXFMTWVWQ19fcTNqeEVkZFFuZktVZWI4QmNMc0o4SWRtUXpQN3pwNE1hLTlpbTFwd0xRdDVOSk04eDdzMXFKYkJVVlJuR0UxR256TlNPV2xtNW5fdnItZXRtaWMxdFdzYzd5bVBidjQyMzZLS0l6Sl9sSG92eTlxcnhkNktKTHNUU2YxRGJrbFJQLV9pWnJkamNqZ3N0VUE?oc=5) · KWQC
- 2023-06-02 [Central Bancshares to acquire SENB Bank - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE5QZTN6eGlLTDhpTXE5SUNuVldpWG5UYlJxQWk3MEZrb1ZhZHJZT0xrcVVEZmFJN3ZobERMc1drbWxVT01sUU00WWxNSy1zUGRlejgtNmtkTFR2S1prN2Uybk5IVm9Kdmw5NGJncENRenJnWkQ4R3pHRDZ4NA?oc=5) · Quad Cities Business Journal
- 2023-06-02 [Muscatine-based bank buys SENB Bank - OurQuadCities](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNVBFcUlpaTNKYTFGT2VUMmVSUkZhQXhXcVFqTFIxVTAxTEoyV1RSQ0NTcXQtQXJYOHg1WGdMVGh3NTJldmlBQTJBQVB2VVcweEE2S1I1dXVWQ2VPQWFwOVEyT2YxMHl1VFVtZHlKOWFVdHNFU2trOEhKTlNyd18zTHpjVlp3QXJrQWfSAY8BQVVfeXFMTy1XUUMtZVNiYjUtQWxpbVh1LVdDY2twQVZObngtZmVaMmx0THJoTUQ1eWNjNUwxSGItMzJtRng3SEc4Q1h1QS1CTGdlSE9RbC1PNDVjYzdOWnB1QVNHdmtmUTVSa2R6Qzg4VExXTTBkbDYwYWtWa21rdURHUjVBMVJuV0pGYmlhWm9NM0k1MkU?oc=5) · OurQuadCities
- 2023-06-05 [Central Bancshares to expand in Illinois with acquisition - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOazJyZ0xrb3V2NW91ZHNuNk1td2RfaG8zb2RBLV9hOTVYajVLWHVtUXdKalRpSXJWeVBqNm4tOHlGNmxiY0NJS1JBTjc4RWN2ZUdETHFiMnphd19YekhnX1VmOTNfbDBYdGpTSE1ReGVXejB6dEJCU0lfX2NNazg4SkVpNFBBVHk0ZEV0eVRwNmM1Rm5ZS24wUw?oc=5) · American Banker
- 2023-10-30 [Central Bancshares completes purchase of SENB Bank - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQanpnaTdoVUY4clo4aURWbUJwSWxUX2hVUllfSGFiM292QzlHS2VxcTU1YWtjRWNlSENGRWZ5aW54UU1fQllDZlZoTEFTUWNnekk2VEZ0MndwQTdwLWtobUJJMmRpM0JvU0FtZnFBcUd6cm03dDlEZG5PTzJ4TElLNldYNXQ3TVQxNkE?oc=5) · Quad Cities Business Journal
- 2024-03-11 [CBI Bank & Trust announces changes - OurQuadCities](https://news.google.com/rss/articles/CBMihgFBVV95cUxPd1dldG5lRzJzNlh5eFFKNk9qMmRPLWRCT2k2WndRXzNtZDVHZlpnZTRnbUpsWTlNZ3dDMExnUTFWQjlXdkxEWXhiTGhySlpOREQ3MWdlYmlPT3NHRmpIc3pKRDJid0otYlhINjliaFFxN2ZZWlE1LVB6a2xoYjJXeFpsSXhKQdIBiwFBVV95cUxNcVo5cnVlNjdZMEN5ek45Ml9vcExpQ1JPMUVxZ0d1NDNWRlliRnRXVzlUZm1YVDQ2MVFmb01YZUhHSE1ZTnl6NmQ2UXZoR3Z1WkhucFdEcTZ2UVJucVRrNm9pSThtUUUxNUJJOGM5cThHMjk3TTdUdDFWdXZsX0xpMFdRbC1EMXd5My1v?oc=5) · OurQuadCities
- 2021-12-22 [Q-C and Peoria communities mourn death of SENB Bank president and community leader - OurQuadCities](https://news.google.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?oc=5) · OurQuadCities
- 2025-04-29 [CBI Bank & Trust rebrands F&M Bank Division - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTE9oVlpnbTNWOGZ3UnI2TWdMOW9QMGxFVmI5MVpPWF9oTXh3LWFRNndVdVpPbVpBZ1hnX0dSTnpGOTBRdnptUWNFUmRJY1A4blZqM2tXREd0cG0tMElKZ2ozU3hpSVEzcDFKQWNyN2hFaEM4a3Z4OGxyd0swUE8?oc=5) · Quad Cities Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35109 (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/37.json (key "35109", 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