# ATLANTA NATIONAL BANK
ATLANTA, IL · FDIC certificate 3601 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $81.3M | |
| Deposits | $69.0M | |
| Loans and leases | $35.2M | |
| Total equity | $8.7M | |
| Loans / deposits | 50.73% (p20 of band) | 73.59% |
| Liquid assets / assets | 53.33% (p82 of band) | |
| Uninsured deposits / deposits | 11.89% (p20 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.02% (p69 of band) | |
| FHLB advances / assets | 4.02% | |
| Tier 1 leverage | 11.59% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -14.68% (p31 of band) | -6.57% |
| AOCI / equity | -1.85% (p14 of band) | |
| ROA (annualized) | 0.56% (p20 of band) | 1.17% |
| Net interest margin | 3.58% (p32 of band) | 3.93% |
| Efficiency ratio | 76.25% (p72 of band) | |
| Noncurrent loans | 1.00% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.26% (p94 of band) | |
| Reserve coverage of noncurrent | 73.65% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.0M (5.63% of loans; DQ 1.92%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | NIM <2.5% |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | NIM <2.5%, uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 4 | NIM <2.5%, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2015-06 | 1 |  | NIM <2.5%, reserve under noncurrent, deposits shrinking |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2016-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | noncurrent p90 |  |
| 2017-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2017-06 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 1 |  | capital falling, noncurrent p90 |
| 2018-06 | 3 | deposits shrinking, assets shrinking |  |
| 2018-09 | 2 |  | reserve under noncurrent |
| 2018-12 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 1 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 1 | NIM <2.5% | capital falling, reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | NIM <2.5% |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 4 | reserve under noncurrent, deposits shrinking |  |
| 2024-06 | 1 |  | uninsured deposits leaving, reserve under noncurrent, deposits shrinking |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | capital falling, reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | charge-offs p90 |  |

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

- 2023-07-20 [Bank on it: Atlanta National Bank opens a branch in Pekin - WCBU Peoria](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbmpiOUViVmZRR2ozRmNOR3VxZEc1Vi11M1g0dHp3RHB4QkEzTTN1VTI3VjJQcXdBWnlocV9KcGUyNlgyUkRFX1d1RXRSUm1reUpoNllHaHB1TVlCSU9hQ3JkMnI5VV94clByc3lMcEdfOFM3cjBFTWI1OF82MUxEblJLYUZ4cnU4VUFXSDU0Y29xTGhPMWpaR2IxTGNIOXI4?oc=5) · WCBU Peoria
- 2018-04-23 [Stimpert named CEO of Atlanta National Bank - Lincoln Courier](https://news.google.com/rss/articles/CBMiowFBVV95cUxNWmliaWNrd0tpQkNrTXZQMjREZDhEbUV1MlI3SG1pZ21WcUpjTDdYUXlFdms2WjhfX1BtWmc1Q21RRVJUN0tlczdwMUJDc3g2ai1LUGl6aEZCVGt6eENvSWZXM1NVQjN4cDJlTTh3Smt6MVBFS0dPenQ0elIxcURVZVloeHJIaTVtb2VhU3pDSlQ4aWw2R0xpYzg1VUpfVXBjeVNF?oc=5) · Lincoln Courier
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2021-10-04 [Jordan Brooks Obituary (2017) - Atlanta, IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQb3UtR2pDbk5YYXlHeUpPdTQ3bFE5bnpGRDRxOHcyczZ2RXJ3emlLMUtUdnIyQ1RsZmNNZnJ6R3ZHYjZfeGp6QmVQLVdKaEo0Qnk5VFd1S2lGUVUyVUtHb0hUS29YZ1FuOVdfT3lHLWg3N3pKUDBnNVhOSmszWGk5WGdFYWk1VXpnTEdKaGZlS2NIRTR0Ymc?oc=5) · legacy.com
- 2021-10-09 [David Tackett Obituary (2014) - Armington, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQek5JNElfOEtIckh4U1d4SjJXWHdKSXA2akFIc2tsMFE2ZGcwRWdXd0dfUU5MU1diSWFRdWNRN25WQUFfLXpDc0NWTGpkMzVLc1RocGJGWEtiWjNxUWhXaWZ6Q2NCUXZ4R29Yc01nZlFYNnIyd2RxMEZkWkhwNDNmUUNEWVZUeVZVVExR?oc=5) · legacy.com
- 2021-10-07 [Michael Mollohan Obituary (1963 - 2018) - Lincoln, IL - The Lincoln Courier - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPQmNwTkJfN2tUMmpkY0VmVUhRZmZHaEVhMVliUDhmLTF4c2UwQThvS1prcTNhUzMyNkp2dDZZVDVVa1J6MjBzWXE3WmpPVEtoYzljajRzWE9zQ3B0OUQzT0dDMHg4V2oxM2VhV3VkX3dqOEp2SDEtUkVHNDB0UXRlM3k3R1Fla2NGYlJzU0s1WjZ0c0hlZEJ0TFZn?oc=5) · legacy.com
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · gizchina.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3601 (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/17.json (key "3601", 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