# FIRST NATIONAL BANK
MATTOON, IL · FDIC certificate 3817 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $101.5M | |
| Deposits | $87.1M | |
| Loans and leases | $48.8M | |
| Total equity | $9.4M | |
| Loans / deposits | 55.33% (p34 of band) | 64.15% |
| Liquid assets / assets | 44.42% (p57 of band) | |
| Uninsured deposits / deposits | 9.67% (p15 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.59% (p76 of band) | |
| FHLB advances / assets | 1.97% | |
| Tier 1 leverage | 8.25% (p13 of band) | 10.40% |
| Unrealized securities loss / equity | 5.31% (p86 of band) | 0.89% |
| AOCI / equity | -2.37% (p22 of band) | |
| ROA (annualized) | 0.90% (p42 of band) | 1.04% |
| Net interest margin | 2.74% (p24 of band) | 3.30% |
| Efficiency ratio | 73.19% (p64 of band) | |
| Noncurrent loans | 1.74% (p85 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 72.35% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $687,000 (1.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (19% of equity) (p99 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

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

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | assets shrinking |  |
| 2014-06 | 0 |  | assets shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, reserve under noncurrent |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 | uninsured deposits leaving | capital falling |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | uninsured deposits leaving |  |
| 2020-09 | 2 | capital falling | uninsured deposits leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |

## 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
- 2026-01-02 [Bank First completes acquisition of First National Bank and Trust - Beloit Daily News](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQQU1VNWZGM2otU25GNV8wM3pqWks0aVJGdUUtZ2tHakdNS1lkX2otU1pLWDRTOFc5SEJXcEUzUTBrVXZjaGtmTzdIMXo3ajdLem1RaklQQnNyNTFBNTM0Wm94RHg4UDVMMk9KbnF5eUlaNHdSZ3BzLWp0OWNOWWxYYjc4Mnd1X3oxSExlWGFCZV9NWjFxV2stWGhSeGpROERIYXlDQUtYakQ0UHQwZDhKREtSNDBEaElXTUQ1OW4xRm1aWXZTQndEQVpjWDJMaEt4dV9XTVV4NDh3VnpFa2xXdXdzVnN2TGFhLXZ4TWUtSDFEYURVTFBxR25R?oc=5) · Beloit Daily News
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2025-12-06 [First National Bank Of Waterloo Cookie Drop - Effingham Radio](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZTdKMEdfa1FQWTg4RlJSaWRNSVo3VHhuYlQ0Zl95Y3hqZ01lZ1pJZENySzMzdUx1X0VMZU5nSlphYUVBWEZ5MHpmNGpqTmNkYjR2QmZCMGExUmt6b2pLcEp5eXBFSWluS0V2U0hFbXI3ZVlqeW1QdjVsUllWMlE1bkY3ZnFYQ2hDUGFLQU05Zw?oc=5) · Effingham Radio
- 2025-10-17 [Wisconsin's Bank First to add 17 locations in $174.3 million merger deal - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTW1HMjd1QVBsejVrVzB5VkV6bzFCLUNMekU0cmdpTEEyaGQxX1JRcFJvNEg3Z0Fad1VkelVnVnc5SWszWjN4UnZ1cW5aNmNibmRBdFMzX3FYa1RlYzZQdnFGWHBJakE1OG9tQ0I1eHFsQy15aHE0cWgwMC1OV09JZ2t5eE5SZmM4WnhEcDJ6aXdvX3FFeE9MU1AyZnRDUU5l?oc=5) · The Business Journals
- 2026-01-02 [Manitowoc-based Bank First acquires Centre 1 Bancorp Inc. - Herald Times Reporter](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOalVCSXJDQUVsOG82TGNDTnBSd3NkR2Z3RFo1MG90eWdvanl5OW5RTG1Ec2dEem9IT003aG05amxoMDdfaU5xa2RWYlBYNDZ0TmFQYWExa1p3VTQxU2ZBNHF1aGZ0R1dmVmtuYW1BMjhyZmNLeTJ1NkJpeEhsR1VvUDU5WlY3eEkyYTZWWG42V08tN1ZNN19sS3pndEhQT1VJbkY4TnFkLXFYNjNUUGt3eV9tMkxWTWdyVTcwTEM2eE1WZW5MSG9SS0dkOHB5eGpLbnBPZA?oc=5) · Herald Times Reporter
- 2026-01-05 [Some First National Bank and Trust branches close - Beloit Daily News](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPSDFYRXI4RF9yWEhyUl9EM0FaSmp3bUtacW9fdlBnc3hoY1BYRF90bVBiMy1hTFl1NjZiRWNNejZpc09GdDVfQnZPVlNFWDdsVnNyNlk4VncxczktTVdlWlNIWnJxTFJVb3FkTXh1OTQyM0lLLUZzN3QzR1hKekIwcHFkNWNQMmNyZ0o3aW5MOEpsOEtiQUFmazZNVHZNdGU2TmxNbTBNdEU3M0tjeDJSaC1MWm1RYlAzck5YdU42bEt3RXVIR2N6QVRJak5Cd3lCMExGSXZyUjA5aUNnb3hnbnIwRE0?oc=5) · Beloit Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3817 (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/41.json (key "3817", 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