# GREAT RIVERS BANK
BARRY, IL · FDIC certificate 3762 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $194.6M | |
| Deposits | $167.9M | |
| Loans and leases | $161.4M | |
| Total equity | $22.1M | |
| Loans / deposits | 95.08% (p87 of band) | 73.59% |
| Liquid assets / assets | 14.18% (p10 of band) | |
| Uninsured deposits / deposits | 16.94% (p39 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.06% (p59 of band) | |
| FHLB advances / assets | 2.06% | |
| Tier 1 leverage | 11.20% (p42 of band) | 11.76% |
| Unrealized securities loss / equity | -2.14% (p69 of band) | -6.57% |
| AOCI / equity | -0.59% (p41 of band) | |
| ROA (annualized) | 1.83% (p80 of band) | 1.17% |
| Net interest margin | 4.30% (p68 of band) | 3.93% |
| Efficiency ratio | 58.25% (p31 of band) | |
| Noncurrent loans | 0.11% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 1037.65% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 5.17% (p29 of band) | |
| Auto loans | $2.8M (1.75% of loans; DQ 0.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## 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 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 3 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 3 | capital falling | noncurrent p90 |
| 2015-06 | 3 | deposits shrinking, uninsured deposits leaving | charge-offs p90, capital falling |
| 2015-09 | 3 | assets shrinking | uninsured deposits leaving |
| 2015-12 | 5 | noncurrent p90, charge-offs p90 |  |
| 2016-03 | 4 |  | charge-offs p90 |
| 2016-06 | 4 |  |  |
| 2016-09 | 2 |  | deposits shrinking, assets shrinking |
| 2016-12 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2017-03 | 4 | capital falling | uninsured deposits leaving |
| 2017-06 | 4 | losing money | capital falling |
| 2017-09 | 3 |  | noncurrent p90 |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | capital falling | charge-offs p90, losing money |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 2 | capital falling | charge-offs p90 |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | uninsured deposits leaving | capital falling |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 1 | capital falling | loans exceed deposits |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | loans exceed deposits, capital falling |  |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2025-05-21 [Obituary for Stephen Allen Moyer - nieburfh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBsOTJrSzA3dDdadTlkMERoQVQtX2JmcXJ6V3p0cE1PdVJJYzFoejZtVDNCYURrdWJPQjRzOG1raTFxQlNjdzh1Zl9xcFRweUg2Rk1WT2U0WWFCaEE?oc=5) · nieburfh.com
- 2026-03-04 [Pike races are GOP-only as candidates pledge fiscal fixes - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVFdxZVdNMHNFM3BQM0dWaTFxM3NlNUpabG9pVDdTTkg0dUI1SlZRMW1PVGhnMUE4bWlNcWxJMVhKUDV1dWRJajhzZ2xLSEdFYlU5RjdJUmtGOGlTSXVFb0FRUUJQLWcxYll2V20waExwQnM3VmVvZnZKNFhCSjNJdWkwN01sVmtmeGd6WjRsNmxmS3NraDZlcXBwMndzeWV2Y3hZQTlCcXdQU0U?oc=5) · Jacksonville Journal-Courier
- 2022-07-08 [Eleven local businesses receive more than $2 million in PPP loans; Adams County gets more than $150 million - Muddy River News](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQNER3N1g4R3BQYUp5VXJoVTdpY0xFODBheVFleFRiR1VzNHNHMi1PN2ZLUG12UGVQNVRJYmhYYVNFbVM1YTVGTm9URExUbWNVRURDQl9YRUFRcjdPaXFFNXgxLUtrRG5wLWVDdEJRU2htOW1EdWNGZmtjOXJVMFVkY1JNbGwwTGdjTVpzMTUzUTNoVkpiNHpWa2k0NlpYdEhvWS1LMmJpYlZMcUZrbmtpNlVhRElLSGVxZE5TZ0RQUkQzREFIbS1zWjdyVjlWYjZnbEQ4OGUxUTNyMmpwUU41ZlJuWFZ1aTVSVHNEMDQzSEM?oc=5) · Muddy River News
- 2026-05-13 [Obituary for Ronald Eugene Constable - nieburfh.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFA0LWx0Z0xEYmN4Z3BwdXRZZFZybVZhMWlsdThkNWlQUGVfbXhFdktTdDRoTTd2Mk9Obm9venNpQU5ETlpsaW1xWWgxdGhFM2pfLXBMZ3BKSU9KTWJaaVBr?oc=5) · nieburfh.com
- 2023-07-20 [Mid-century home of famous Quincy architect restored, now listed for sale; open house set for Thursday - Muddy River News](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNZzY2UWlEYTAzWDFHTjE0WDN2VXRKNlBKMUwwa3lvTm9NcGMyc2RHMWZlTng0ejJncHFXTkRIQkJHYU0zcmpnN0V5cHVEakpsS1pNRUV1TWR0bkU5V0ZnRm5Bc3lzTkN5WTAxYXJEQXVGSlF4bTRKNmZhbmcxekNPRWNQT21sX1pNalZlLXBWaDhleDFBcEljSFlNeDA3M2gzcmdJSkQwaW5ZRWdRaFRpdmtjUThua2xmOVRYSTMtMmZXTnZmT1lXcVY0RU1UWk55TjZoRHlibEkzZmE1VTRWcHZfeDVqbl9ieGc?oc=5) · Muddy River News
- 2026-02-23 [Obituary for Glendel H Ralph - nieburfh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBkeU5YcmItUmstNzJDblVwSm1xX09EWkNNd2Q1MzVSbzFtSld4U1R3RG5xNlhWcWJianJiLTFMM2JMT3Q3TGhfemdhNlhrY25PT0lkX19oSGhHZVk?oc=5) · nieburfh.com
- 2025-12-04 [Obituary for Annabel (Reel) Blackorby - nieburfh.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBBbi0tY0g2OTBGMVFkam9GWkxrUnBFWTVOREU3aDBtVEZRQllPMkxBd2Y2c2pQVUQ2Zm14eUxWLWhIVnNDYldIdURIa2NOOGYxQ2xtcFZDVEdSVTZ0ZDYwdw?oc=5) · nieburfh.com
- 2024-06-12 [Obituary for Connie (Pennock) McGlauchlen - nieburfh.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5nTm1hazd4MFJDM3ppQVJnOUdxYjlTS2FLOHc0UmdLbVFNQ0c5R3VjZ1lHc3ZlcEM1VzFaakpOVzBjb0VXbEtHZDNyOU1ubmlYRVJkTWVlMnZLWU16M21leVh3?oc=5) · nieburfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3762 (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/50.json (key "3762", 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