# KINMUNDY BANK
KINMUNDY, IL · FDIC certificate 3805 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $80.1M | |
| Deposits | $69.0M | |
| Loans and leases | $50.9M | |
| Total equity | $10.9M | |
| Loans / deposits | 73.14% (p49 of band) | 73.59% |
| Liquid assets / assets | 33.61% (p52 of band) | |
| Uninsured deposits / deposits | 22.50% (p60 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.04% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -7.94% (p46 of band) | -6.57% |
| AOCI / equity | -0.34% (p52 of band) | |
| ROA (annualized) | 2.14% (p88 of band) | 1.17% |
| Net interest margin | 4.49% (p76 of band) | 3.93% |
| Efficiency ratio | 37.41% (p2 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 117.89% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $5.3M (10.35% of loans; DQ 2.62%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 9 | |

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

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

- 2023-06-30 [Storms bring much-needed rain to some; knock out power in part of Kinmundy - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOSUNWRkk3S25FVFFURm9IRmtmNWVNa2xuQnZwVzUzc0hTZEphUVM1ZHpSQ3phbW81djN6dS1CbXcwR0h2OGVramRPeVc4clVWcC16cnNFYlZ3TTFzcGRxbXB1dFdFUXNya2FoeXFJakNzQ1VPb0tydVc0ME5YMUJBcUlxa0ZxWk1OYnlybjRwMHhkX2Mzb2RmTl84b3lXN2NUU3lDY0toRWk0MVFzUURRYi0tdm1oV1FI?oc=5) · southernillinoisnow.com
- 2025-07-11 [Marion Co. Fair to host Queen, Junior Miss & Little Miss Pag... - morningsentinel.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcko1Z0ltcGlocXdCWmpzdlFYcDIweDdFcDBaRWt6X1dkaDhXdXhTU05BZWZndENoYjFrQ0xONV9NUFMzcHhhUXlZSzBtTmY1dFp6VzFWZEVJVmRJcldCN3FUU2FPaDJjbUczdFI5TjFTUXVwbGR2ekFLT29iTjhBQmtBM1VSTHRJYlJuaXc0YVNqdUtEcVVKOVAxRUF3dXQwSjlpcFpnWTRVMjRTTHZwU3Z1NA?oc=5) · morningsentinel.com
- 2021-09-09 [South Central FFA Hosts Annual Labor Day Car Show - Effingham Radio](https://news.google.com/rss/articles/CBMilwFBVV95cUxOOWhsQ2drNzhwbElCSHAyMHN4c0tOYTBCd2YwNDNzd2tod0xQR2ZlUld2TVhraWRPQThSLXB5RDFRNjh1NHdXcnVMcE80Zl9HUjJ1N2x6bW4weWtNRHhwcFlZOS01cm1DOUhLb2hBWjdSdGMxM0otdnhrMWVMaXhfV2dIOW5ZLTREbUN0TkpsZTFISkxZOU5J?oc=5) · Effingham Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3805 (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/29.json (key "3805", 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