# FIRST NATIONAL BANK OF LACON
LACON, IL · FDIC certificate 3688 · asset band <$300M · latest filing 2026-06 · live

**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 | $103.7M | |
| Deposits | $92.7M | |
| Loans and leases | $66.4M | |
| Total equity | $10.8M | |
| Loans / deposits | 71.13% (p46 of band) | 73.59% |
| Liquid assets / assets | 34.71% (p55 of band) | |
| Uninsured deposits / deposits | 33.43% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.78% (p50 of band) | 11.76% |
| Unrealized securities loss / equity | -5.52% (p55 of band) | -6.57% |
| AOCI / equity | -1.10% (p25 of band) | |
| ROA (annualized) | 1.18% (p51 of band) | 1.17% |
| Net interest margin | 4.00% (p54 of band) | 3.93% |
| Efficiency ratio | 69.21% (p58 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 530.00% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $3.9M (5.82% of loans; DQ 3.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## 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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2014-03 | 1 |  | charge-offs p90, assets shrinking |
| 2014-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-09 | 1 | capital falling | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 | charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2016-03 | 0 |  | uninsured deposits leaving, charge-offs p90, reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 2 |  | uninsured deposits leaving |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | deposits shrinking | reserve under noncurrent |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | reserve under noncurrent |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | deposits shrinking, uninsured deposits leaving | capital falling, reserve under noncurrent |
| 2026-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2026-06 | 1 | deposits shrinking |  |

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

- 2025-11-12 [Lindsay K. Johnson Obituary (2025) - Lacon, IL - Lenz Memorial Home - Lacon - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWnhJNmhZZ1RkY05ucTEwdG5HbWlFMGFfS2t4X2t4NkZ4ZTFnQXhzRXNPNkpmTUx2ak55dWdzZTlXTXVIaklGUnlTdHFad1k1VFZlVmtBdVc1U21NRW03aHNvMDJBUE04a3dqcjIwLUF3TVJ5RDJoVU5wQnV4SDhudkZKT0M?oc=5) · legacy.com
- 2025-07-02 [Michael J. Lambrecht Obituary (2025) - Lacon, IL - Lenz Memorial Home - Lacon - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQM1FnY2FSZkhHQWp4WkxHamZqMXRMeG1mRmtENTdwYWlpU0VSSF9uaERLQTRVNWlrVUVuMWwtRl9UVkdKdVllSDF1OWFQZHZXR19IMk1vQ0lPLVZ6Y1ctQmtXM29aOHl3b1pyRkxzRzR5WjA5Z0Yxb0c4OG9lTXFEX1FNTDJrMjA?oc=5) · legacy.com
- 2026-07-01 [Donna Lee Wood Obituary (2026) - Lacon, IL - Lenz Memorial Home - Lacon - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1tQ3VTY1ljbU1WRms1U3N0ekUzV1pIcExZYmh0RHYzYW1nZ3lDRzRKbnBfUTJhSVRQU0I4alVuZWkwRUl5dEVqS0Z2VDlIMzFXNFNhYmYzcHI4V0NHb0RDUlVHcDdjemM5SGNxcjRMc3d5WVhnb0JYLW5OVk90dw?oc=5) · legacy.com
- 2022-09-22 [Jo E. "Joey" Schrock Obituary (2022) - Lacon, IL - Illini Cremation - Peoria - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBHTUhaTGpOZW1iQU1CTER4WFI2OWdsUjZsa2M4UlNvdTVWSG1oYTVsVnprbFpiM2NJNzdkYWxHNllNRFY2S0lZajBaVW9iM3Z3c052QV93eFkwc3dzeWtzSjdKMXVhWU5LaHYyUmFtNS1HdDRDSGpzSnJHUnRBUQ?oc=5) · legacy.com
- 2024-12-09 [Andrew J Sigmund Obituary (2024) - Henry, IL - Illini Cremation - Peoria - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZFpzbldaTEFTelZfeFBRU01Ma0YwZUJKY1pEbU1hX3RhV1JFRjN5U0taUEVYbDFUUlpJb2ZjQWF3YnllQ0RSOHpqQVozTUdRSlF5dmtCOUJ5eWFXLXNoaXl6ektWZTdOX3FEZnJjNjNxakpqbzlBenVMMjd0OVlia3c2OA?oc=5) · legacy.com
- 2021-10-07 [Brandeth Heberer Obituary (1971 - 2017) - Normal, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQbWpoV1dqSGxMaXhEU2lUTloxb29CY1FpbFY4bHloeGhhWlpnNzRtTklWQzFMYV90eUlTczFydnFqU1FndUhMQ3N1WkdyeTNzYWZ1QTZVekpxV1NrUWZWMUgySmhYdEZsNG1BNlE3M0xNRVQ3TXl6aXhWTGJYQTZDbU1jV2xIci12VVlFcGVDZw?oc=5) · legacy.com
- 2010-09-23 [Chad Meinders Obituary (2010) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQVkpZSFF0Qkgybm41Q2ZUZGcyTGFtX1FPMUUtRHRldG9RaFItcW1vLVVWbFdiQWZsT2xYYTlPejlrdFZXUld4cU5OOVpFeWdyWUhKcmhZMnJmUDVDMFBpUl9CZUtHelZiYUxPUDdELTM0bEY3b0JBM1d5UE9LdzdGYV9yMG9Vc216VVdz?oc=5) · legacy.com
- 2006-11-08 [Doris Grossenbacher Obituary (2006) - Peoria, IL - Peoria Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPR1pGSzFqZGszcXJEWXEyN1Q1ZTFMZVdUaGRyeFJpVzJ6Wi1zYV9pSHFPQ0c5MU83eHJRNDYxbm1ROE1QTnpJd2ctZVNINEVDTEFRZDBSYmpCalJ1TjBXMEV1d0U1d0tpM2wwcWdSV2RhZjdqVGZTRldpY3dxODExRHVCenF4bUZBaGNpOXZLNWtmV2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3688 (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/40.json (key "3688", 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