# FIRST NATIONAL BANK OF CARMI
CARMI, IL · FDIC certificate 3777 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $622.2M | |
| Deposits | $545.5M | |
| Loans and leases | $428.5M | |
| Total equity | $74.5M | |
| Loans / deposits | 77.47% (p40 of band) | 82.04% |
| Liquid assets / assets | 26.58% (p55 of band) | |
| Uninsured deposits / deposits | 28.55% (p61 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.42% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -7.36% (p52 of band) | -8.10% |
| AOCI / equity | -0.70% (p33 of band) | |
| ROA (annualized) | 1.19% (p45 of band) | 1.28% |
| Net interest margin | 4.34% (p75 of band) | 3.91% |
| Efficiency ratio | 64.53% (p60 of band) | |
| Noncurrent loans | 0.35% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | -0.10% (p1 of band) | |
| Reserve coverage of noncurrent | 393.48% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 10.64% (p15 of band) | |
| Auto loans | $577,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 102 | |

## Flags firing in the latest filing

- none

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

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

- 2026-07-21 [Fed bans former Illinois bank exec - Banking Dive](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcmpUc0Zka0diQlVqY0lEMDNWLU9XQVBrUVJURkpSOU11OWh6TmtKeHQ3TVM1TUFBS2NCcm55Q3lZdXNSWWszNVJZRUtHR3VUZ1VjZ0xSUVVFMk9YQ05Xd0JjZHYyOV9rUmFrbldaN1BDNndzRzlXelJVMEsxSFNiUQ?oc=5) · Banking Dive
- 2026-02-17 [Federal Reserve appoints local CEO chair of community banking council - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOcV9JQ0VzTlNfLUl0LVI0eTlEQUk0aGRzNjZ5Z2RUbFdrTEp6d3YwaVhUX0cwanZxX0ZiM2dlWmlsTF9fZk96VUFVcnhVYzZfeUVCTl9Welp1NjNhdTNBRUFGTkdoZDJ1Q1FFSmo5UHpsYnZ6ZTJLM3dNcE5GOXp5c2lTNE5KR1NzMm1XS0p4a08xY3hrNktDR0wyVnQwRklrcFVWWU00RmV0UQ?oc=5) · The Business Journals
- 2026-07-16 [Fed bans former Illinois banker for using inflated appraisals - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxQX0RtcE5qSnhabmozWm9McmdXZjA4VVp4eWZTSTlpVjJCTEw5MVhydmNFRkxGUTczak13Wjh1TUlaa0hIbXdfZGN0S3JNdzRZTnhvLTV2bUo3ODZBTXVodjItVmpncnhRR2RSWjJCSThOc1laRkg2N2U0RnJNeWdNQnZkUERkTlE1UEVmak9HWkliX1plTjg5R2x1UmMxQQ?oc=5) · American Banker
- 2020-09-24 [First Bank to Acquire Heritage State Bank: Illinois-Based Community Banks Announce Plans to Join Forces. - WRUL-FM](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPLVNrc1BYbzZ3RE4ydGMzS0E0U1haSkdXdV9XVUVXRlpNZTlsTG9hcmtIZ1ZZXzRhaG5qRENweHdfY1Fya28wR25pVWdtLUlESWV2cGpMWlQzQUItUEhJcmpwNFVGQm9KMklGeDdrS2tvY1B0S3d4ZVhWQU81d1Bqam9yTmI0dW51enlzbzNGZDc3M2J0Vkw0NkxfVnJ6ZEFqOE5uaWM5WGF1d0E5Rmw2UE5XVFFIaGoxUi0zNG42MU9LaHpUellHNm9lalloM2tm?oc=5) · WRUL-FM
- 2022-06-14 [Edward Prior Obituary - Courier & Press](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9LVGRiNi1xQ1A4YjNnZHhTMG0ydFIyQnlpSjhwRDk4dXVrb3VfanRTQi1SbVAtamNRdTI5cThUMnlIRThuZm5BaE9sTE01c1ViR3RCUllWME8yMmNzS2c?oc=5) · Courier & Press
- 2023-05-25 [Why agri-focused fintech is sprouting - American Banker](https://news.google.com/rss/articles/CBMifkFVX3lxTE1US25kb2kxZWJmcDQ4OTkwWHZmOFo5eUlOcVB2ckZPaFFFaEdzbnJQWjBibUt5bHhzMGVsQU1HMzh5Ym1IcHZ0LS11cWpJVlB4bDdZSmZNTFFYc2pBLXdhVjYya2ZDX3BLSkoyek56RjI1Y2tBM0N2bjVBMkFndw?oc=5) · American Banker
- 2026-07-17 [Fed Bans Former Bank Lending Chief Over Altered Property Appraisals - financefeeds.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPM3JWSkR5enRjZ3dqZVN4SExTemtEWHlLNFJId2FPeGNCc1VMWV9XdTg5MnptNlI4emFYSUdzLUVIdVp0QVpHWVlBNDFsdmRGSENMRWxyVVJmZGRXbmgteG9rUzYzV3JvejRLeU9uZnNLUGtNQWtkYW9WVDlLZVVmeW9mZDJpVXRNRHNXUzVCeTBialNpQ2VDTw?oc=5) · financefeeds.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3777 (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/1.json (key "3777", 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