# LITCHFIELD NATIONAL BANK
LITCHFIELD, IL · FDIC certificate 3808 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $135.7M | |
| Deposits | $120.6M | |
| Loans and leases | $82.7M | |
| Total equity | $11.0M | |
| Loans / deposits | 67.87% (p42 of band) | 73.59% |
| Liquid assets / assets | 36.41% (p57 of band) | |
| Uninsured deposits / deposits | 13.05% (p24 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.19% (p60 of band) | |
| FHLB advances / assets | 2.19% | |
| Tier 1 leverage | 8.94% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -20.81% (p22 of band) | -6.57% |
| AOCI / equity | -0.66% (p38 of band) | |
| ROA (annualized) | 0.75% (p28 of band) | 1.17% |
| Net interest margin | 3.11% (p16 of band) | 3.93% |
| Efficiency ratio | 71.82% (p64 of band) | |
| Noncurrent loans | 0.84% (p66 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p7 of band) | |
| Reserve coverage of noncurrent | 125.47% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 12.52% (p43 of band) | |
| Auto loans | $2.7M (3.22% of loans; DQ 0.79%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 3 |  | assets shrinking |
| 2015-09 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | noncurrent p90, charge-offs p90 |  |
| 2022-06 | 6 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2022-09 | 4 |  | charge-offs p90, capital falling |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 4 | losing money | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 | charge-offs p90 | losing money |
| 2023-09 | 3 |  | noncurrent p90 |
| 2023-12 | 4 | noncurrent p90, uninsured deposits leaving | charge-offs p90 |
| 2024-03 | 5 | NIM <2.5%, charge-offs p90 | noncurrent p90 |
| 2024-06 | 5 | capital falling | NIM <2.5% |
| 2024-09 | 2 |  | uninsured deposits leaving, charge-offs p90, capital falling |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 1 |  | uninsured deposits leaving |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2024-11-14 [Operation Elf Barrels Now Ready In Litchfield - thejournal-news.net](https://news.google.com/rss/articles/CBMilwFBVV95cUxPVjNDZExROU9helRUZ21wZEk4Q3Jab0lpbHpqNHdqS3VwMjFiVDM4SVNnREZsbEl6TGtmblJ2TEthekwtbzN1Qi1sZ2hXMHo2a2JRQm1qd0J2UmF4R0p5cTdOYkx4NmhtbVJwZHZGSzU1SEstR3ZjbVlLREp5QnVPUEo1WERDMXE3UVdRb2NkbVV2UmU4UWJz?oc=5) · thejournal-news.net
- 2023-10-30 [Fleming Unveiled As 2023 Non-Profit - thejournal-news.net](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMzlMZ0xacGYxLWNDZEw2VHhIZ1gwQUUwMGpKOTVncV92bERGenZXY2tvbW9zV09paUdiYmFlQlh3VXlxUG1IQUdkNWo1TDJTM0RaTFlOeEtXZzM2Y25hU08tWms4UW5YeVNGblpOY1gxbXYwRWNDOUZwZVJFektFYWJmSENrb3hSblE?oc=5) · thejournal-news.net
- 2026-04-30 [MCEDC Hosts Annual Meeting In April - thejournal-news.net](https://news.google.com/rss/articles/CBMiZkFVX3lxTFA5YVIwMms4SVVBTFVQTW9VVXFpWGo1RGpEWHUwZHVLVjNCZG9hUzNyLVF4Xy1aS0hhRGF0N2J1Rlh4MGVhYXZscGZMdVRMSDdtQ2lEUndHeHJKeWY1UWl4T2JySm9JUQ?oc=5) · thejournal-news.net
- 2024-07-18 [Extension Honors Litchfield School District - thejournal-news.net](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYVFkR2NvZks3R2h1QW9aYl9Qczc3QUlFV1kyUmNHTXFjcnlxSWowQU16ZHkySUVuQmpZblJOQkpfUWUtVFYwVUpYcE5fNlFHOGdsd2lGcEQya1h3YllSR0F2a0FsOUtDVlZIT3VaSGE4cm1JeVdJaHMzUXlMdWRHUVdJNE9kQTZkRDk5RHhSN0o5RU1a?oc=5) · thejournal-news.net
- 2022-06-16 [Annual MCCA Celebration Returns Saturday - thejournal-news.net](https://news.google.com/rss/articles/CBMijwFBVV95cUxPMjZiR1EydnNkUTlybHlTLWVuYlZrenJMVHh4eW5FUnF2NUROaklWMDNYR1pEei10dHJ4ZGlqUFByczB0TEF6S0hqb2xWVWVOQjhERXFzN2t0VDNhRFhLWklQQ1NoNnNhMjYxRWJoeWdBTkl3ZmhyVnNrWEdxSVJ1eGFoRDE1VnBrRm50WElBaw?oc=5) · thejournal-news.net
- 2026-07-30 [Farm Bureau Holds Annual Golf Outing - thejournal-news.net](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQckYzdkV5NDNxenlKNEpkRGljLVZCU19TcHdiSHNNYkctUy14cTZScnp0UmY2Ui12Q3pmcDgwMlZ2WjNBYzNSYklNamVuVDNySHZpXzNoLVZSUzExWEM5bkVqNWdvYmFEcHA1S2pZLUtIZV9OX09VcklOa2tkd0EtLVdXOHFwNU1aMElR?oc=5) · thejournal-news.net
- 2023-11-13 [Veiled Non-Profits Meet In Litchfield - thejournal-news.net](https://news.google.com/rss/articles/CBMijAFBVV95cUxQd2luaFpfS05vM3pycVhUOHo4NmlnZVc5OFBuVWhxMkRNdlgzRGtKaWdOTnlPMTJWbFplaXdqWUk4ZFlvWkhfUXVYaXF4OTdPQkhTbTY1RW50ZjM0RkN6VUFNaG1lVmo4RWh1cGZ0S0lmellhYjZka0VHenEtMGNITWNQanUyeFZua2Facw?oc=5) · thejournal-news.net
- 2026-03-30 [Soil And Water District Holds Meeting - thejournal-news.net](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1tYXh1M0VwOTZnZU45VmlNVGZkU0FnYS1xZXM0ZHg4M3JYNEJpeDlpbEJudlpHaXVncGpoV3hrRzhOYmRaZzJYeTJfMTJSQnVyR0ZhNE1DemlmM0pUQ2EzOTl1VW90UQ?oc=5) · thejournal-news.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3808 (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 "3808", 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