# CITIZENS FIRST NATIONAL BANK
PRINCETON, IL · FDIC certificate 3731 · asset band $300M-1B · latest filing 2012-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $924.0M | |
| Deposits | $869.4M | |
| Loans and leases | $510.2M | |
| Total equity | $18.4M | |
| Loans / deposits | 56.49% (p15 of band) | 75.94% |
| Liquid assets / assets | 37.14% (p69 of band) | |
| Uninsured deposits / deposits | 10.99% (p42 of band) | 12.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.34% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.93% (p0 of band) | 9.72% |
| Unrealized securities loss / equity | 12.33% (p89 of band) | 4.38% |
| AOCI / equity | -38.63% (p0 of band) | |
| ROA (annualized) | -0.64% (p4 of band) | 0.85% |
| Net interest margin | 3.41% (p33 of band) | 3.69% |
| Efficiency ratio | 110.25% (p98 of band) | |
| Noncurrent loans | 10.31% (p97 of band) | 1.75% |
| Net charge-offs (annualized) | 2.93% (p99 of band) | |
| Reserve coverage of noncurrent | 36.14% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 129.01% (p96 of band) | |
| Auto loans | $2.4M (0.48% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.4% | |
| Employees | 267 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | losing money, charge-offs p90 |  |
| 2011-09 | 8 | capital falling, expense ratio p90 |  |
| 2011-12 | 10 | leverage <5% |  |
| 2012-03 | 8 | assets shrinking | losing money, charge-offs p90, capital falling |
| 2012-06 | 13 | AOCI drag >20% of equity, losing money, charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 13 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-02-27 [Obituary information for Rita Votava - Knapp-Johnson Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTFBYNXdVeFhDRWFmTzB0ZGVDXzlKWnhzWS1GRWxtbFRJZWtkaXJFeC1ZUGVxcHpHbUtEN29iOWtIN2lqWnFhaVFOMjFqdlp5WjR3QVFWUVhFckRxU1ZiRmlRa0Q4Q1lOaU1GNnh0cTlQa3JCRGM?oc=5) · Knapp-Johnson Funeral Home
- 2013-02-16 [Covenant Bank shut down by FDIC - Forest Park Review](https://news.google.com/rss/articles/CBMiggFBVV95cUxObmlNQ0ZsWjF0eTdGTFplOFowN1BzdUozcmFwdUhzbTNxZGVfaUJHZUxONnAycGlrQnh3OXhldDYxaDVXamJTdWRVX3YwR2NZMUhvTFNmM1ZFM2dDcldxaHoyUC1fZlBMeTJsT09HWDczMzFDeXVSRXFVYmRreExwVjdn?oc=5) · Forest Park Review
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2013-02-18 [Lawndale’s Covenant Bank shut down by feds - Austin Weekly News](https://news.google.com/rss/articles/CBMijwFBVV95cUxOcHNUeUsyLWYyc0NxN29QeGczMk9ZQ21Bb3BPTGNRMXd3ekNpcDR1RW9WbDJncEw2ckVNSUV0ZDFuNnhzSVAzTTJKQTh6dGRTWENjNGNXWC15cnhtVVBlTGJaMlNMWkFNazdBdk5uWUthekJrWS1pX0cxQjJBV0g0NTdIYlliclJFcjAzOHFXTQ?oc=5) · Austin Weekly News
- 2019-06-06 [Steve Samet - Shaw Local](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1TTVdsSHJKS3gxX19ab2pqNTRSQTNGN3JVektkNUdBaHpjWUd2WE5VOVA3TGJtUWtyQzdnN2VBWElOTl9qNFBELUhsb3VHYWNLZEJFSmVNQ3dnM05HWW5WZi1tbEx4VUhE?oc=5) · Shaw Local
- 2025-11-10 [Princeton National Bancorp Inc (OTC: PNBC) Share Price, PNBC Stock News, PNBC Share Price & Updates - kalkine.com.au](https://news.google.com/rss/articles/CBMiUkFVX3lxTE41eFlwbktYSlZMaWVNaWVBbV8xblhScVVDWnltVlBQMzVyREl3d0Y5dDRrSTYzUTE3RjQ4c0h4bE1hbjlkek1reEdGUDBZSEZIOGc?oc=5) · kalkine.com.au
- 2022-10-05 [Kathleen Waca Obituary (1948 - 2022) - Princeton, IL - Bureau County Republican - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbzhQR1hhRXUybWs0bTF3T2lTVXpfVjU0QTFpV2RYNkNqbFJCYnZ4ZnNQQkx6SDl2UlJjZDJ1d2hPN01hRFdoaU0zZC1fQWN6a3Z2aVVnMTNHVjZITlJDeUtjeVFsUWs2VjVEV0kwMmdJLS02ZjBVSEgtTlJDaHVQRXdWem9tdHFsaExNVg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3731 (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/19.json (key "3731", 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