# COUNTRY BANK
ALEDO, IL · FDIC certificate 35395 · asset band <$300M · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $195.0M | |
| Deposits | $180.8M | |
| Loans and leases | $142.6M | |
| Total equity | $-6.6M | |
| Loans / deposits | 65.80% (p39 of band) | 71.39% |
| Liquid assets / assets | 32.70% (p49 of band) | |
| Uninsured deposits / deposits | 4.84% (p29 of band) | 8.02% |
| Brokered deposits | 17.55% | |
| Wholesale funding | 27.73% (p98 of band) | |
| FHLB advances / assets | 9.64% | |
| Tier 1 leverage | -3.23% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | – | 3.72% |
| AOCI / equity | – | |
| ROA (annualized) | -8.69% (p0 of band) | 0.72% |
| Net interest margin | 2.45% (p4 of band) | 3.86% |
| Efficiency ratio | 103.63% (p91 of band) | |
| Noncurrent loans | 45.27% (p100 of band) | 1.48% |
| Net charge-offs (annualized) | 5.31% (p100 of band) | |
| Reserve coverage of noncurrent | 36.60% | |
| Real estate % of loans | 52% | |
| Construction % of loans | – | |
| Auto loans | $140,000 (0.10% of loans; DQ 19.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 30 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 | losing money, charge-offs p90 |  |
| 2011-09 | 12 | capital falling, expense ratio p90, NIM <2.5% | construction >100% equity |

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

- 2023-01-26 [Jacksonville bank parent merging with Bloomington-based bank - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMFBiVWRJWFRNUThRV01xb0RHaDNURlp5elUxWTc5ZHZ0N1R1ZHhoXzhFWUdrdEtFeXZtYnFCMVZ4Q2I4aTVzbVl5eTFUNHJKQjVxcTBxRXJyWjQ0TnhBRWE3UzVKUWZfMFc5TWpEZEotdDVma2pwRVBzWHZsYWlQOTZRcngzVW8yN1JzcDJlQjN4RXB3ZVE?oc=5) · Jacksonville Journal-Courier
- 2022-11-23 [Merger of Heartland, Town and Country banks part of a national trend - WGLT](https://news.google.com/rss/articles/CBMirwFBVV95cUxNdVJmVVNjcGozRTVIQ1RrYW1uLTNHNDhHeDdJZFotVHlMVWQzcWNLOWZGVmtDR3pGZTRBTEJhbEtqUERSQWxSVEZ4dGFRbVg0cXl5NG9PQnYwNng3YTdlMTZaREJLYXNYLXFLYVFvdExtcjBhU29CUlNuYkNYUFhOMGFLaGdRRHZETFBIZ0ZZbWRjNnBqRThhM1d1dFpBaDJtaEFjeTZMU3pqdWwwLWxn?oc=5) · WGLT
- 2022-08-24 [Heartland Bank and Trust Company has announced plans to merge with Town and Country Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNa2JQQ2IzTm5CLURwbUlCMWVISklnYmlCQ3hDV19OY0pwcnVFamlyNGoxMlZKbmtTMEkzcHNEYXpmLVhyeFdHQ09Ic1g0YWhGb21JQ2pRLXZoWWJCTTMtVE9uSHBweGt6emlOS3ViYnVycVZyNkdyYzV5dUw3U0RXcU93Q3hHLUhXam4yaW82RFIzbjZIbkRuS0lnd0d4d0NfbXJRMTJ5eE5CdGRhN2xXRHBkLW00a2RtU1ZrOTJGa2tYc3ZGbUFNVnR1YVpNZ2JIbkxEYmZiR3ppQ2FqeEJfX3ZZcw?oc=5) · springfieldbusinessjournal.com
- 2021-10-02 [Crews tapped by Town and Country Bank as Wabash Avenue branch manager - The State Journal-Register](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQMHllWUpKN1BuOUg4NkVObnpGTmVQLUFzamZ5b2ZLbF96dDdodnF1R0dlbTVTMFJNaWJsenNFMm1DYWFrbUJYR0dHZWNfRXNPQnRha1dGVlZrSmIxaFV4eENPMjVueTJrWWZmd3dra3dJZUdKRXB5MFRia2xfVGY4VVpCaFNBWkFTS3c5X0xGSmZpNGpRdjMzR0ZpTU83UEZfUHBIUjhRbS1JY0JZak8ydV9OWENZbWtW?oc=5) · The State Journal-Register
- 2022-11-18 [Heartland Bank and Trust expands Illinois footprint with Town and Country Bank merger - Illinois Business Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQWlIxWG1aejVQcTNFT0g3R2RYN3pIR2NmRWhJZjBVUjRGNFpteEl3SV8zTVdUQ0F4VFAwTGZ0UzlxRnk1WVFQRlUxc3R0c3g4dEZQTkZkTDVBUHlpYzVQNVdkeUlKSEFLenJhZzRwVFZNSDI4dGh0czN1a25KVFFGeHdBNUhMdnhDZk81VTV1QTd0bVJfQTdGUFJnWlBPOWRPa0MxVFpZM2RacFhzU0E5SS04TzVsUE9iSTJiczFpbHU?oc=5) · Illinois Business Journal
- 2026-03-10 [A Community Investment: High Country Bank celebrating its 140th anniversary - Canon City Daily Record](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQeXlFX041Z1hXbG5MU1hhbzRoVjh1Tzg2RERDWk8yY3VPY3JHV0p3aUQ2VzZ2d19XbUt6YUxDMjVudG9ZTHI1QlByc0VjLU9GY1c3U2g3SllxOWwySGttWXd6MWlyN0VmOWQ3Qkc2N05wQ19DQVNkWlRPOW9tTWpjY0duX1FVdURuZnhtZktiUm1UcHpXUm1ZeEhabHRjd2tHeDBvQ2pKWmJjQnRaRVdOVHFFZGxkcU5obDR0SXNGRTY?oc=5) · Canon City Daily Record
- 2022-03-03 [Cyrulik named Senior of the Month - Lincoln Courier](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNTlNdkpENW1Lem9rWDM5djB3REtVWDNhazVvcWdGaE9rd1lsX1JlMmd5UlBDakFldzlUMktES09WY2lIRFJkUkZkVFkyV19sYzZzNmNIT2FuS1IzaUhUR0dwbzZVUGIyVmJkanNCNmdEc2lINUZZUWJUSm9LbUFUMjRqVmxvRzdkby1Da3ItRm5nWW01b2NZeGRvaVU4Qlg4dm5DZEYzQW5UY2RJd2xrWk0yNXJBMjlOc1FHSmttZw?oc=5) · Lincoln Courier
- 2017-06-04 [Town & Country Bank to merge with People’s Intermountain Bank - St. George News](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOaV9OQk81aFl1MzMtQ1pXRmtISkxtR0Fzclozb0RSR3RoSGNkZDdMaGwwVUJSZElhdmNNVVVnX1JSanFyZnk1NzhPYldmcmZKNkxjSW5kSXBUSDdwcktUNVpyVHctVVRVbWVwS2RLeUc4Nmt4RUx6Y2I3R1VsbXJOSjNSUnpMRWlzczhqS2gxVlMzNWJmUzZtektxZ2xMWE1DTW1RdnZQdVF4UTYxT01scG1uSjBQdzk0d2JkanFLRWV6aXhhUHAzRDFtLV93SFJyOTBySjNkLU5aZEViWDlRcVNtTQ?oc=5) · St. George News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35395 (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/3.json (key "35395", 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