# CASEY STATE BANK
CASEY, IL · FDIC certificate 3614 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $496.7M | |
| Deposits | $442.8M | |
| Loans and leases | $391.5M | |
| Total equity | $51.7M | |
| Loans / deposits | 86.76% (p64 of band) | 82.04% |
| Liquid assets / assets | 18.10% (p25 of band) | |
| Uninsured deposits / deposits | 22.54% (p38 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.99% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -7.12% (p53 of band) | -8.10% |
| AOCI / equity | -0.31% (p52 of band) | |
| ROA (annualized) | 1.68% (p74 of band) | 1.28% |
| Net interest margin | 4.29% (p72 of band) | 3.91% |
| Efficiency ratio | 52.90% (p24 of band) | |
| Noncurrent loans | 1.02% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 183.36% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 23.49% (p29 of band) | |
| Auto loans | $27.6M (7.05% of loans; DQ 0.88%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-06-26 [Jim J. Niksch Obituary (2026) - Melvin, IL - Markwell Funeral Home - Casey - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1vTUdGUE53UzFZM2U3TUlUZDZzak1fYnIxLVZya3JpUVo4Um1TSUhMRkQ0d0pPSVF1RlFqQ3dwUHVUV3RrZmNzT0RLZngtTlFrTnhZdHhqS2ZBNHYtSExsSjNyeGs3eFlveUJvS280aFpPLWVxQW9udHQ3VTktUQ?oc=5) · legacy.com
- 2025-04-30 [Gage Higginbotham Obituary May 31, 2012 - Goodwine Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE82eVJCUnlkZFRfN29TelEwalViMF9PN1Z4V1FGZ1VnMkFKUDZRU3FubnRuWkl0V1ZKRDAyZEFVVVFtWHNrbGxsdmxmWS1PRm05T0luZUhtU0h0QXBkRGJ0dkN3anU3U1BNU09wUmhKN1FyLXM?oc=5) · Goodwine Funeral Homes
- 2023-01-25 [Kent Weber Joins Busey Bank As Treasury Management Executive - RiverBender.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeU8zTFBsdHlmYXAtZTJMdS1lajdXS0hnZVJoeWpZeTFac3BFd2ZscHRFWWRkamxXUVFWSHd5b3pkVGFCN1pHTVZsemRHaW05d3kxQUxoQ0xULWRfUkVaak9RaVZfLU04VmpWYk5XRGhrSEFuNHhDNVhuc2dVM1drSVFfVmoxM2k4OUdIbTYzTzEyRWNUbXZMem4tMHNFcER0OVp2ZTJxT0lWY09UY21ZdA?oc=5) · RiverBender.com
- 2016-09-18 [Welcome to Casey, Ill.: A town of big things - stltoday.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNdUZWR3A2NjVTZlpibmFqUzl4LXJseHZEOWd4cWJ4NklsQUxBUTNZVHoxc1hobXNycjUyNUF1eFBrY3p3dTYxc1ZXN3NDZ05sdFI3dDBJaFZtSEtsZVhrM0ExRjNZWXhQWjlEUGp1OHVUZzdSZWJ6azc4dzZ0dFBFbmZaMFk4NUxKMmxWREF2dnRlVHlGM0tmX0pBU0JRUzNOMkFLQVJHRDhCZWgxc2hNMk9pT2NObnpjVFFfTUtnZ1g?oc=5) · stltoday.com
- 2023-12-17 [Dennis Lee Pine Obituary (2023) - Casey, IL - Greenwell Funeral Home - Martinsville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9kQW9uUFVzeVBraXF2Sm5YUFU0ZlhPcllNLUQ3M0QxaXdKUzJuZUxNSEFWbWtnbFlBQkxySHhfdDg4VzVWYkNSTFFyckVuR1FCTFNtMjJyZ3ZudmkyZ3p3YVhpcklDOG1SMTVCUG1fOFBwaVRNbW1ScXFJM0JtaFU?oc=5) · legacy.com
- 2023-07-27 [Paula Lee Tipsword Obituary (2023) - Casey, IL - Markwell Funeral Home - Casey - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOX1VaUmo1Mm5SeVdCb0ZvNFNTdHVyX0hManB5TEtJS0tEVFk5NjRQWGFiTE5janJudTRVLTNNSi0tc1dwWDN3OF95U3hUTzFPSEFMSVR2SjZ5b2VZVmdtY3M5Vl9ZWXVza0psamhqbXBYSHN0anZQbUFJY2k4NUlqZjhubw?oc=5) · legacy.com
- 2022-11-04 [Amanda Renee Durnil Obituary (2022) - Casey, IL - Markwell Funeral Home - Casey - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTDVBUjViS2F1ZGhEdjBneE5Ra2l3blJWaXhXRy1fVXRKOUdaZ1Z1MGx3bkxKR1RhNGpfTmhkekxHd3NuYl9vcUIxbHdfUkQxNmZmOTFzTERWVldBa0hGY2Z4cVUyS1ItUklidmZZYjZHcjFEVm5tTFJSSmRITUFjMU5R?oc=5) · legacy.com
- 2024-06-08 [Sandra Louise Sherwood Obituary (2024) - Casey, IL - Markwell Funeral Home - Casey - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPX3Vza2pPYmlmemNudFhtaS1MUjUzOEhEWk8xSnlRYlZCTHJjNGhMY3czQkgwYkhmRDZEek5QREFocEwyeHhlV293aDNqbDYtZGZqTnVmR2duYjJVZ2Q2Sk9iM3JpMnNpb1NTQkdQRkJLNVZLLWhZTllVRENmWGV6bXViejE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3614 (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/30.json (key "3614", 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