# CENTRUE BANK
STREATOR, IL · FDIC certificate 3744 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.02B | |
| Deposits | $739.1M | |
| Loans and leases | $693.0M | |
| Total equity | $178.8M | |
| Loans / deposits | 93.77% (p62 of band) | 89.72% |
| Liquid assets / assets | 17.21% (p34 of band) | |
| Uninsured deposits / deposits | 13.88% (p18 of band) | 25.51% |
| Brokered deposits | 11.35% | |
| Wholesale funding | 21.21% (p85 of band) | |
| FHLB advances / assets | 8.83% | |
| Tier 1 leverage | 10.80% (p70 of band) | 9.96% |
| Unrealized securities loss / equity | 0.21% (p59 of band) | 0.00% |
| AOCI / equity | 0.13% (p21 of band) | |
| ROA (annualized) | 0.09% (p2 of band) | 0.99% |
| Net interest margin | 0.43% (p2 of band) | 3.49% |
| Efficiency ratio | 66.85% (p65 of band) | |
| Noncurrent loans | 0.13% (p11 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 1.70% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 16.32% (p18 of band) | |
| Auto loans | $1.8M (0.26% of loans; DQ 0.28%, NCO 0.00%) | |
| Loans to nondepository financials | $113,000 (0% of equity) (p75 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 217 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | expense ratio p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | noncurrent p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money, charge-offs p90, expense ratio p90 |
| 2012-06 | 6 | charge-offs p90 |  |
| 2012-09 | 7 | losing money |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 4 |  | deposits shrinking, assets shrinking, losing money |
| 2013-06 | 4 | expense ratio p90 | leverage <7% |
| 2013-09 | 3 |  | expense ratio p90 |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 5 | losing money, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 2 |  | losing money, charge-offs p90, assets shrinking |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | wholesale funding >15%, capital falling | deposits shrinking |
| 2015-12 | 0 |  | expense ratio p90, wholesale funding >15%, capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | wholesale funding >15% |  |
| 2016-12 | 2 | brokered >10% |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | NIM <2.5%, reserve under noncurrent |  |

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

- 2025-05-12 [Midland States Bank settles overdraft & NSF fee class action for $3.13 million - Claim Depot](https://news.google.com/rss/articles/CBMidkFVX3lxTE45WXBlcDBPRHRsV0p0alVOVU5OdHZla3czQm9Ocnh1bXBVdVRCLUZKa3htbTRVQzY3S3M4TFhZb0hURElZNzJ5aVFkb2V1Vk81SU9RNF9qVlNYdE9LaGVDS1kwcDU1Sm5na0tVTDRyYkRYeVZlQ1E?oc=5) · Claim Depot
- 2015-05-28 [Photos reveal faces of suspected Princeton, Illinois bank robbers - WQAD](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPazIxOVg5cVJoc0IwbTZtcE1ENU1oOV9kbWZfMWlPcDgtUzV4clVuSnFyQS02TUota1NiQjBZN0pSWExnbTZEWUN5aEcxcE1ZelJ6anlpNlJZWUVETElaeUdOZlYzTFZYdF9YVFN2Um5OQThoOEwybXllMVFwWWNOOWltbEVMOXZtTUZNT2NmRnA5elNvZkdSVGhkWlFBS2R0VkxMVmVTakE4ZnRBejNQeFc3bkRtMEQxeG9UNjkxNEpDMGJOTGItSFRkXzg2anNUSWw4dEJoR2k?oc=5) · WQAD
- 2025-09-11 [$3.1M Midland States Bank overdraft fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNOEd2ejNTR3Q1RTVPR3hDajJTMGxYU0w5UlNQSnpycUpjTV95OW1tRnpSQzFBeUN6dkRyR20wN0hmUnJ2aFZvTGxobjZCSXl2aTNpUGI3Q0ZReXhYcUFpWG16WmN0X3JxdEU1ZXR6Z0EzSktIQUpOOW1zQVp0cVNRbXpwVzJlc2hiWDR0c05RNWFXQWViZjNCdjgxVjFYcE1ROFZ4TkxvLUt0THp3YjYyNXYwVldRQ1ByeGdlVVhPOVhiczVDd1cxZTBWRVljQ0MzbEc4?oc=5) · Top Class Actions
- 2017-01-26 [Midland States Bancorp, Inc. to Acquire Centrue Financial Corporation - GlobeNewswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNdGpqV3RmNHotVmVVX1VNczZsM1ZJTmViaHl2UDAzMHNiZ0N6VFBqVndXOUVWYmNuN0hxSlQ4b01vb0JLMUtsbnM3TEFOa0hfU2VXdFhjdEVvNU5aR2VqWEF2dFlfTklUZ1JFM3Vhel9rekVpcG1mSmczNGZsSmpJQWFPODVhc3dsNENJemIwN1lyUWh0ZEZ2aDB2dEF6em9vUk4zNll5bmRWS1NOSFRMMFpGU2tNejFUeGFSMlhLdVV2V2dMeGNLa0xfWDJmclN4aXplZA?oc=5) · GlobeNewswire
- 2017-03-10 [Carlyle bank announces succession plans, adds branches and assets - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOLTdiUWtFaXJfQTVNa0YyV2N5N3hQaXctNkpwWk1Fb2Q3LXhJeDI0TFpJeUhNLXRMamR2ZC12SjlONUpXaXc0UnphdHpNeFpobWM3U2VLMm1OblRPeEFZaEVxc1JLUER1NlNDOVR2Q0E5b0pRMGNZdGl5aGVVbDluR0ptRXZ0eHNHc2pXdG1PR1RKSWpPWTRWOXNrcmVkQkFETFpn?oc=5) · The Business Journals
- 2016-05-13 [Centrue Bank, Sullivan’s Foods team up - Shaw Local](https://news.google.com/rss/articles/CBMiigFBVV95cUxNeGdDQ3gzWXNXbm9MUUljZFlKTHEzRWhFUF83LXlCRV9JYTBJTE00UUI4Mk5HbWhfZEpoNjhxSllyeG1fRzlncklnaWdOTFcyWW1oTVVScUQwU3h6NkVYMDNpWk55dU5jZDNvQ19PZlZ6TGozQ19YQWpncnJ1aFdOc3R0bHNpZ3FsVWc?oc=5) · Shaw Local
- 2025-10-30 [Bank targets Equis Hotels founder's properties in multimillion-dollar debt dispute - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQaFpwWDJQc1ZiUWJ1LTdjVXk2RTlMdDVWVXVfZWo2d2NHMkk4N2VET2JIc1hZZl81N2Q0WUpuNU5uWFFCZGhWbXRKRlM1bWVPVXY3QlQ0clFKNzdzOUlYbjVPNExxZUd0T1hQSEVxLW5NbU4zN2d2cHlQNUJvM29Kck5PcWFGeXBOUlEwRjJFY0dESlVrelpEVkhOZDNMaUtmajRodg?oc=5) · The Business Journals
- 2023-05-09 [Wendy Smith Obituary (2023) - Wilmington, IL - Reeves Funeral Home - Coal City - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFByamRjYVpxLU5peDZXS3gzMDZCSmhwTVJzWGRqdTBPanBvRS1kclpGOGFsSGFZN05fZVNudkwtRTlpXzVybHJqN0E2TTZ2ZGpNck9RS0xoVEVRR0xEZUNiSW1rdmNZS01aOFQ1RUpQZlJ6aUdVVDZwSTZRQUoxYWM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3744 (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/32.json (key "3744", 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