# COUNTRY TRUST BANK BLOOMINGTON, IL · FDIC certificate 35602 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. 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 | $42.3M | | | Deposits | $798,000 | | | Loans and leases | $0 | | | Total equity | $36.2M | | | Loans / deposits | 0.00% (p2 of band) | 73.59% | | Liquid assets / assets | 64.59% (p91 of band) | | | Uninsured deposits / deposits | 68.67% (p99 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 78.65% (p97 of band) | 11.76% | | Unrealized securities loss / equity | -16.78% (p27 of band) | -6.57% | | AOCI / equity | -0.43% (p48 of band) | | | ROA (annualized) | 24.72% (p99 of band) | 1.17% | | Net interest margin | 4.38% (p71 of band) | 3.93% | | Efficiency ratio | 83.92% (p84 of band) | | | Noncurrent loans | 0.00% (p12 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p38 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | – | | | Construction % of loans | 0.00% (p9 of band) | | | Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 3.9% | | | Employees | 125 | | ## Flags firing in the latest filing - **uninsured deposits >50%** (`liq_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 0 | | | | 2011-12 | 0 | | | | 2012-03 | 1 | uninsured deposits >50% | | | 2012-06 | 2 | capital falling | | | 2012-09 | 2 | deposits shrinking | capital falling | | 2012-12 | 1 | | deposits shrinking | | 2013-03 | 3 | capital falling, NIM <2.5% | | | 2013-06 | 3 | assets shrinking | capital falling | | 2013-09 | 3 | | | | 2013-12 | 3 | | | | 2014-03 | 4 | capital falling | | | 2014-06 | 3 | | assets shrinking | | 2014-09 | 2 | | capital falling | | 2014-12 | 2 | | | | 2015-03 | 2 | | | | 2015-06 | 3 | assets shrinking | | | 2015-09 | 2 | | assets shrinking | | 2015-12 | 2 | | | | 2016-03 | 2 | | | | 2016-06 | 2 | | | | 2016-09 | 2 | | | | 2016-12 | 3 | capital falling | | | 2017-03 | 2 | | capital falling | | 2017-06 | 2 | | | | 2017-09 | 3 | capital falling | | | 2017-12 | 3 | | | | 2018-03 | 1 | | NIM <2.5%, capital falling | | 2018-06 | 2 | expense ratio p90 | | | 2018-09 | 2 | | | | 2018-12 | 3 | capital falling | | | 2019-03 | 2 | | capital falling | | 2019-06 | 2 | | | | 2019-09 | 3 | capital falling | | | 2019-12 | 2 | | expense ratio p90 | | 2020-03 | 3 | expense ratio p90 | | | 2020-06 | 2 | | capital falling | | 2020-09 | 1 | | expense ratio p90 | | 2020-12 | 2 | capital falling | | | 2021-03 | 3 | NIM <2.5% | | | 2021-06 | 3 | | | | 2021-09 | 3 | | | | 2021-12 | 3 | | | | 2022-03 | 2 | | capital falling | | 2022-06 | 2 | | | | 2022-09 | 2 | assets shrinking | NIM <2.5% | | 2022-12 | 1 | | assets shrinking | | 2023-03 | 2 | expense ratio p90 | | | 2023-06 | 1 | | expense ratio p90 | | 2023-09 | 1 | | | | 2023-12 | 1 | | | | 2024-03 | 1 | | | | 2024-06 | 2 | capital falling | | | 2024-09 | 2 | | | | 2024-12 | 2 | | | | 2025-03 | 2 | | | | 2025-06 | 2 | | | | 2025-09 | 2 | | | | 2025-12 | 1 | | capital falling | | 2026-03 | 1 | | | | 2026-06 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-06-24 [COUNTRY Financial: The next 100-years - wjbc.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE45TWx6RlFTUTQzQW9Tdjh4bXh1cDctdkFzcjIyNzM4VUNqOV9tTUl6c1lUTEphcDVJa293OXlFZ2NQdTJpOGMtOXZpcGQ3bV9jUWJqZUpXNDJmNUZEcHcyRG5DcWdqaE5GUnRsOWJRQWg0OFZxWEZsTQ?oc=5) · wjbc.com - 2025-11-29 [Country Financial Home Insurance Review - U.S. News & World Report](https://news.google.com/rss/articles/CBMie0FVX3lxTE1QSzhubEQ0U29QaUFnUEduakEzakVnaTd1c2NaRXJadDliSUN0VHpic1BqN3ZMbFF1VHVUMnM3cU5TVEhsajFSSkE0ekZrWFJBbmlubDd0blk2RDl5WWczT3luV3ZMb09CZjJTMXUzWFhndHJMY2RFenY4NA?oc=5) · U.S. News & World Report - 2013-04-16 [Real money, real experience for $1M student investors - Illinois State University News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUlhUMl80Rm1uekRVZWVfVEdWX056R0xjb1JHVEVqUmU1OGNMcXI5UW50RXIySTlGX2lwTk83bTB0N082b09BdTZfdGpFOHRidU10cHlmNkxIQ1R2WE9TWThTRTFieVhETlNMa2dXVUJNX2FLY291Y0hSbHB3ZXdneThGelVpRnFjUlVvbDY1UXpGVm8tVVE?oc=5) · Illinois State University News - 2022-05-26 [Meet David Palmer, 13th Congressional District candidate for Illinois - The State Journal-Register](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPeUtWcklJRjJsamsxNnRUWTJaOVBPVC1sdkRqNTFiMWc4ZXY3LW5rRl9iTGdOQ1RKZFZVTVdSR25feDM4NWx4RWF2X0pMdXdfT3RhX1l6a1o4RXNaektmNGlxZlZUQjhraGd3Tzc4eW91VTJzUXo0Z2lfb0JoQUV4OUNycmcwUE82ZkJKMHpUQk8xYjVOWGJycWtOUHlKcEI0UkczakQtb2Q5SUtGYUYtVVNEUXEzZlg3TU1QaEk3TEhtaC1BRXBqTjlZeFVqSkdrbXhUYWQtcUdZN005M3BmcmdVZnA0WWxDUU9BaXo4YlVadw?oc=5) · The State Journal-Register - 2012-11-26 [Biz Buzz for Nov. 26, 2012 - Duluth News Tribune](https://news.google.com/rss/articles/CBMidkFVX3lxTE95c1pTcEdHVGw4YkJiTVRySEQ1MHUzZW5KWXZ5dmJ5cXlUT0JxZHdncEtzbU1vbHRnSWdtN1labU4xNjlQQ1dZNm1INFhPX2Y1aTZZaGQteDY5QUlSWklaRXBQRXlGUmhBblhUelh2NFJlTko3ZXc?oc=5) · Duluth News Tribune - 2015-03-26 [Schielein: 'Education is all about people' - Shaw Local](https://news.google.com/rss/articles/CBMijgFBVV95cUxNdUZKRUFzcF9SeEY3dHRqaHppUVVzZmgyOWxmcE5PWU5meUMzTEpvVld2a2pHcTNmcXdtQ2xSV2dUVUZfX2JSRk1wS1VyY2ZsOENiSGdITDBlY2RtRF9IUlNyVWViUUk4cUVRMTY0czVILWNYY05fNDF6QlRUMkl5TVotMVlhbWZYLWdXdDdB?oc=5) · Shaw Local - 2020-03-04 [Dale Hadden: Moving the needle - Farm Progress](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMEl1aVpQVFptMno0M2ZrdzdrdVp0QlFEMlh3UUVNZGVNY21qZFlrRnQ4NTRlMlpTYXQwMmEzYkk5VVpIZ2t0aGxIWGh4SWtCRjdjTFdwRDJpVm5MUUp4OGx4MWtKU1ZVU2paWjE2bEhnVVpaMks2U0ktS2JKVGJleExLZTYtX25FOE5vR09fRTVDcFRh?oc=5) · Farm Progress ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=35602 (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/18.json (key "35602", 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