# ANNA-JONESBORO NATIONAL BANK
ANNA, IL · FDIC certificate 3759 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $234.2M | |
| Deposits | $203.9M | |
| Loans and leases | $105.4M | |
| Total equity | $29.5M | |
| Loans / deposits | 50.76% (p20 of band) | 73.59% |
| Liquid assets / assets | 52.58% (p81 of band) | |
| Uninsured deposits / deposits | 18.03% (p43 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.57% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -29.91% (p14 of band) | -6.57% |
| AOCI / equity | -0.99% (p28 of band) | |
| ROA (annualized) | 1.20% (p52 of band) | 1.17% |
| Net interest margin | 3.53% (p30 of band) | 3.93% |
| Efficiency ratio | 61.61% (p39 of band) | |
| Noncurrent loans | 3.00% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 61.87% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 21.71% (p55 of band) | |
| Auto loans | $1.1M (1.08% of loans; DQ 7.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | capital falling, charge-offs p90 |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2019-06 | 3 |  | assets shrinking |
| 2019-09 | 1 |  | noncurrent p90, deposits shrinking |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 4 | noncurrent p90 |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 4 | AOCI drag >20% of equity |  |
| 2022-06 | 5 | capital falling, securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 4 |  | capital falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 6 | charge-offs p90, deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 |  | charge-offs p90, assets shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | assets shrinking |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | assets shrinking |
| 2024-12 | 4 | assets shrinking | deposits shrinking |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | securities losses >30% of equity |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-01-20 [Donna Mount Obituary Sep 29, 2016 - Rendleman & Hileman Funeral Homes](https://news.google.com/rss/articles/CBMidEFVX3lxTE5pcGd6anAwOXkxVkZ1Q0ZHUFlBUWViYnRfd08zMmMzLUpDbW8yQV9xbkRKSDh3Qk5xVjlERzl6cHh2VEphOEQwUW4tcWM1T09ycnUtUWJVRXNnd01Cck00dWxBTzM2SU5yalFRN3BaSnY0RFJn?oc=5) · Rendleman &amp; Hileman Funeral Homes
- 2015-10-02 [Harlem Wizards to entertain the crowd at Anna-Jonesboro High School - KFVS12](https://news.google.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?oc=5) · KFVS12
- 2020-10-22 [Incumbent Busby faces challenge from Clark in race for Union County circuit clerk - Southern Illinoisan](https://news.google.com/rss/articles/CBMikgJBVV95cUxNTmVXQmJfMUJTaWdxeENGVGtvYkZwLTJmQnhma3VEQi0weUF3Ty1LeWlZU2sya1hMeGx1NGN4eHJTaGtZMUk4cTBWV2FYMVhkbUtjRC05eDB1UWM3T1N0cEdlSWtXbDJlUWNFQXR4Rm4wWjhIVml0dmsyT2hJekNlajJOWkU4aTF5Z3hVZ281YkhUZHROc3hWUHJ6R0tBMks0Vzk3OVF3YlRTSEViZzMxV0RaMk15R2R2SGp0V0VNaS14bHhUYl80ZGYyTkZFcW5xOXZ4blJTUGxxVHgtMUpGNEYzWGhVVEx0MkpjMThjeGxLcGYxMWwyaU83SHl2Y1I3VlF1WHprel9JbS1hdFNiUXNR?oc=5) · Southern Illinoisan
- 2020-10-17 [Georgianna Tucker Obituary (2020) - Anna, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPb2x1NlRzYnh6ZUlocGFMaHlmWjA2LXVHdktfOUN1UHJzOFh1THdzYVB2b0E4TXpwblVlMERFSElQak0tSVBndklQQUc0MFNWMmw1eDJPV0pmWVpIX284NWxVOXo5dm9Pb3NkMXJXLTF1OGpTM2JyUnU5amF0cTdCVTlQQmpLU2ZiZkEwUVZFOFRPNkEwblg0?oc=5) · legacy.com
- 2016-11-14 [Major McDonald’s franchisee files bankruptcy - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQS1d2cTEtUXdnN1hicDVlRHpqYzJydGxZbHFkUW04bmNkU2Z1d2w2Wm9McThfdXVCVkxLbnJhX01QUFdabjBsUWVtT2tZYUduV0JvUDB0Y3MtckNWMU9hV0NNSG1ZQmpEUHNna2I1ZzZJVk0xLWJNUHg0VVpYSDZMbHdpYS1uZnBucFR2RmZyUHNfRU9rY1ZTNW5XOWdIMlFUaU9n?oc=5) · The Business Journals
- 2023-04-25 [Debbie Sue (Mills) Newberry Obituary Apr 25, 2023 - Rendleman & Hileman Funeral Homes](https://news.google.com/rss/articles/CBMiggFBVV95cUxPb1NnSUxkaHNFclZsLS00dnN1Vm85R09GOElWVlc1M0tBWnoxR0U5Znk2YWNkZUw3bm9IRlBOYzZoRHlRbTlncklqLVVIVm1STUFiTWMzRTRUTFVXamthUHpPcjQyVjlKd1ZvdUcya2puUHFSeDFiSUdtaXNVZWZqa0R3?oc=5) · Rendleman &amp; Hileman Funeral Homes
- 2015-06-05 [Cobden, IL community comes together to help police chief - KFVS12](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVTEtMUNtZ2swWVRQZGtjNU03LWNzWUs5TmllOHRlQ0FneC1UejJsSlJqUEI1ZTdfLW9WZS1zX1I4Y1I0ZUN5MUpManFSb3Y4OEVmM0dRcXdPNm42b2kybk9YLXRUUzg1dW9nQ3R2SWtka21wbjMxOUFEQnF6NmI3aFpqeS1zSjJQN29rVjlTdGVjM1ktaTRCZ3pB?oc=5) · KFVS12
- 2017-11-08 [Donna Mount | Obituaries - Southern Illinoisan](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOQmFsRUg0QmpMSnBuTHM2Vm9KMDFMd29zU0Rqbk5vNjAyUmYzMEppUlQzQV82OFFrSU1aTmxkVGMwWGFzRmVWUE5YSENwcEgyaHVBak5Ta014T0l0SE9HRE12bFRYMUF5RE9ndHhOcUJVVVdhdXNWVlVIV0ZEemE0SWFfUldITzluaEZSaUIwMW5aV1UtaVVpeDVSRXVYZmZ4N1ZOMEJkSnpGMzg?oc=5) · Southern Illinoisan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3759 (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/47.json (key "3759", 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