# BANK OF QUINCY
QUINCY, IL · FDIC certificate 35209 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $147.8M | |
| Deposits | $117.0M | |
| Loans and leases | $122.8M | |
| Total equity | $15.9M | |
| Loans / deposits | 103.76% (p94 of band) | 73.61% |
| Liquid assets / assets | 12.11% (p7 of band) | |
| Uninsured deposits / deposits | 8.46% (p26 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.22% (p80 of band) | |
| FHLB advances / assets | 8.39% | |
| Tier 1 leverage | 10.82% (p52 of band) | 10.70% |
| Unrealized securities loss / equity | 0.18% (p31 of band) | 0.86% |
| AOCI / equity | -0.64% (p12 of band) | |
| ROA (annualized) | 1.30% (p77 of band) | 0.84% |
| Net interest margin | 3.93% (p67 of band) | 3.64% |
| Efficiency ratio | 62.88% (p26 of band) | |
| Noncurrent loans | 0.28% (p32 of band) | 0.69% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 407.96% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 23.07% (p61 of band) | |
| Auto loans | $2.2M (1.77% of loans; DQ 0.69%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | capital falling | loans exceed deposits |
| 2012-03 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 2 | wholesale funding >15% | loans exceed deposits |
| 2013-03 | 2 | capital falling | wholesale funding >15% |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 4 | loans exceed deposits, capital falling |  |
| 2014-09 | 2 |  | uninsured deposits leaving, capital falling |
| 2014-12 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |

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

- 2023-05-24 [Real estate transfers in Adams County from May 15-19, 2023 - Muddy River News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNNTRGSHdSb29WUER5SEY4c3NEWTdvdTA5M0Y2N0dSMmN5YjhFUDh1Mm94R1FhblBOOHBKVTE2cXA2N281X210M19RWVRnY0Y2dUJ2M1NEOVZTcDBXUENXZk0tZ2pONW9VTFppSEQ3VU03ZV95dXd2bXRBb1ZUdjZjRjM0dXJCeldpWE9ucnpxcFVSbTQ4U0p3WTRIWmk0Qm96OTk1NG9od2QzdzhDZl9zYWdtSmdBNDhJWnpSRlJxMEdxdnJtcGlaU3pSYWJyYS1QQW9EQ29QUzdQT2c?oc=5) · Muddy River News
- 2024-12-27 [Lester McClain Obituary (2025) - Quincy, IL - Herald-Whig - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOR3B3ZnJwMXpEbTBuTVlzRWQzNGlMa3FZTXptMnh5ODZzaHVBWVpPNGtac095WnZlS3pCVDNPY1FuODI0OFlOMEhDYVo5Nkp0ek41SllId3NsbXk4QlZBSGN6VmNZaDBmMncxR2dMYWZoV2lVbndBaGV0UUdpZE8xQnhVejV0cFl5VXc?oc=5) · legacy.com
- 2018-12-11 [Samuel Lowe Harris - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihgFBVV95cUxONVM4MHE0c2N4cGFFaWg1UDF4Mk1hZG1KY0plZnRyemhVZUpZMFFzM1Jpd01NWERFLWE1Mzd5QjZNNjBUQS1Ld18tX2d3eU0zRlhZY3JJWTJ1QXZlaThNYjRxVnBTV1R3Q2FqYjdZT1VkQnpsYUhocXY3MHJuMGUxaUdON2QwZw?oc=5) · The Arkansas Democrat-Gazette
- 2024-01-11 [Real estate transfers in Adams County from Dec. 25-29, 2023 - Muddy River News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQOTRlWkRIS1hSTXNXeEpLTkI3c00tUjZkeDdQREktczZZeXZSTHE1VHJrMkdYM1pna3ZLMG1rRnMwaUxIQmo2ajdiNUFnaU1DTGtWdDZrUFNPQTFvQTNPOWNyRmtCaDZfREpXRk43UElRd04wendrTF9NcXY3YjRTUzZIYXU2WHkycEo1Sk9XQnpHeV9CZWdGYzg4LXJRaThFTHI1TUlpcTRpYzdGT2o2dkhMa2FUcGgtNGExeDlXeEVqR1duZFVFUFpGNkJXWTFUdGlNN05jQ05QTU0?oc=5) · Muddy River News
- 2021-10-13 [Byron Webb Obituary (2008) - Quincy, IL - Herald-Whig - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQ0dsQ0dKMHVtdTRXem1ETVJ1MGVIWnlVcDJUVlJDdjllX3JxR3RENjVrdERad2pxNUo5enZXaklEYmJoSzRkVGlSRllmbnVCX3ExT01PWk1IOExIWWZla0diRnhST3Rqd0JLWm5adTFhakN1dWltTFFTSlY5OU83dmNYX04?oc=5) · legacy.com
- 2025-10-21 [Real estate transfers in Adams County for Oct. 13-17, 2025 - Muddy River News](https://news.google.com/rss/articles/CBMisAFBVV95cUxOSl9sTTlwUWlQSmhPNG9QM2RheU00cWRVeGRkQzBEbVlzbWhKeVpmQjZoVFppQ3NBc3J2UUoxYXhXd0syOGJHRExsRUhaR2F3bTJMbWszNmxORThfYnpHaHJXOFRjWGcwbFdpOTRiYTROLWE5OExHWWFFUzRRYy0tcEJRU1dIYUh0OFJ6MUNhOGU1LUdHTFliRDNrSlp5V2EtaXJRR2xvcHJGcmt6MlhNNQ?oc=5) · Muddy River News
- 2025-02-24 [Real estate transfers in Pike County from Feb. 1-14, 2025 - Muddy River News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQWFBhMWZnT1VieGRIM2dzaUprMUFFUTdWSWZaZmpDZ2szZGpXM0x0RElXTC1id2pXUDJ3eG9GTFdsc3FqOURaNkg0VXlQQUFaSVRMYjM4TXV3UTllZ2pMVUotYXlmVVI4TklHX2JkQWFmYllTMmV4THBHUUl0dTFvbnJ6SkdBWTM5WVVtSDJxQ1hwV080N0FIdng1MEhhVEZEQmktZFZKcWZDbE9KSHc?oc=5) · Muddy River News
- 2023-09-12 [Real estate transfers in Adams County from Sept. 4-8, 2023 - Muddy River News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxONDNIRV9DN2hXclpUaG1kRHpLOU5SQXk4ekxCemRMMk92ZkNKVXgydUp1TlVyemRXbWhWU1FuMG9XQkl0NXVNSi1FclRQVnZ0UThlLU01b2NZYVJ2UmdkbHVWRTg2eVVsNzNoTFRTc1BQMmczV2tpZDNBM2ZadWljQnYtdTN1cjBfSmkxWXVkSUhFdmFjTDNENFpnU1l4c05sUzNwY3JoSmJCTnhRX2lNaEVraTZENmdOYlFBejNFa0p1NHdOUnhLVVplQnhOQUg4V1lVWm0yZ1NLdw?oc=5) · Muddy River News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35209 (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/9.json (key "35209", 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