# FNB COMMUNITY BANK
VANDALIA, IL · FDIC certificate 3840 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $498.9M | |
| Deposits | $423.1M | |
| Loans and leases | $309.3M | |
| Total equity | $49.9M | |
| Loans / deposits | 72.26% (p29 of band) | 82.04% |
| Liquid assets / assets | 32.46% (p70 of band) | |
| Uninsured deposits / deposits | 26.06% (p50 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.35% (p55 of band) | |
| FHLB advances / assets | 4.35% | |
| Tier 1 leverage | 12.57% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -43.69% (p6 of band) | -8.10% |
| AOCI / equity | -1.25% (p17 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 3.70% (p38 of band) | 3.91% |
| Efficiency ratio | 58.94% (p43 of band) | |
| Noncurrent loans | 0.78% (p66 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 146.22% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 10.16% (p15 of band) | |
| Auto loans | $1.8M (0.59% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.4% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-08-28 [FNB Community Bank Welcomes Schager As Downtown Vandalia Branch Manager | News# - WGEL Radio](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbFJneThCbjQ2Z0tlUlBqdWhJLWNUY1IwNFBfRVc5RnZ3S0JpOWR4cjNHLTRaRHloazdraGZHN2xQUTVwSVBlVDBIZ0ZzX1pJa1JUWDU0WktZbVk0UHpWUWxlRmVRMFJUSFhOWGFSNEpkWG1WdkNIT0JjWFNWNkkyM013TjBBc1FmMTFoTWpPMDVuUE5ncm94eVFua0FiazZTaGtEdw?oc=5) · WGEL Radio
- 2026-07-20 [Jolliff joins First Vandalia Corp. as New Director - Vandalia Radio](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdWd0Y1RLM1lnYU1Pd3I5ckZUVmdFTFVkZzVMdkczeVY1VFlEcjNnVkYxbkZyWnA2UGlvYlRJdFczdXJfZ1ZQdlFmb1FGQUdpQndxZHM0cHdrT0VLdkkyN25BX3F5aU5UYm11VEtSSUJPcTRPUFV6MmItQm5Pc1Vrb3NKXzB4ZVkzamVLWGF5NXJJTkVLM0E?oc=5) · Vandalia Radio
- 2026-06-02 [FNB COMMUNITY BANK TO HOST SHRED DAY IN FAIRFIELD ON SATURDAY - wfiwradio.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPZ2g5bmEwVG9iUzJkajJYLW5FZ0pJMW1jT1BuVHpucElLdWY4TW51aU1ocHFDZ3BYYXFOMUhuLUlkRy1kajN4ZlpIX19lNHV2UFcxV1BMVklCdng0SFNaWmVFc0J5eVNWWk81czg0NjdteHBQcXJKUVY4eEZyZHU4MDBDUE1KRl9XcG1venY5LXdrRjg?oc=5) · wfiwradio.com
- 2026-05-28 [FHLBank Chicago Community Advance Drives Small Business Growth and Downtown Revitalization in Greenville, Illinois - Business Wire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOajhITS02X0s3a3RnYld0UGRZYU4xczdfcFVvbE9US3FoNzAyVDlGQktGeUVMVTBTalRsRVM1UGoyTEVkLVZxVHZ5QnBaQUtQZ3RTV3dNVU9vRm1BZ296YkV4ZzJxSEtZcjZYNTZqbGl0REt0Q0VhWmFjQTZNTHJDNHpSaWNxbzl5ODlTODNPQ1d0VWp5UHU5M2xpOW5UTkxKUkRjc0lQeFVTZXFFU0ZvcHlES3JlSVpUZXlIU21KOV9LTzV1N3VDZ1c2WERYall3eHE4aVQwRlRPQmtUc0JMdkZacDI2U1ByaURqSG0tMDFnSzh5ME1ROXJ1SVRwN0U?oc=5) · Business Wire
- 2025-12-12 [FNB Community Bank welcomes Mayoral as Branch Manager - Vandalia Radio](https://news.google.com/rss/articles/CBMimwFBVV95cUxNSDRMdkNHQkdBQm1Xc2dBRzJwS2k2WFZ5ZGJqSF9ra2dmOHVHT1dwVFRZRGdCcGxYNDdYY01KU3hZOVNxaE9DS3VTMEx5Q25GOWk5OXpHQXpfRUdoZ0k4cExlS0l0UTZNSDMyaWx2QUhTcVpvWWl4b1FwOEVab3RGU0hvbDFPd2tkVENpcWFucU5DdUpJa0NmY2lDTQ?oc=5) · Vandalia Radio
- 2026-05-07 [FNB COMMUNITY BANK HONORS DAVID KINNEY WITH AGRICULTURE SCHOLARSHIPS - wfiwradio.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQSlM2VmlHa1FwcU1GbHVmSWRpMURwaldzX0plQW5sSFFJWHhnanFYYmJqVUJ4LURxR1VLRXZsY01ib3p2RkluWS1iRGd6NGNBYnhmRnV5VnNFZWVFMlFRSUI2YlJPREFTVHp1SnBKakRzMDJyMi1YMVBTdmdIX0VEcThBOGIyd2Mxek16OE0yRGxEQnNlWHFCOW5WNU5id3dtc0F0NkJWRGVkZw?oc=5) · wfiwradio.com
- 2026-01-18 [Patoka Park Pavilion Now has Name as it Nears Completion - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNck5qYXNqTzZYdDBCMzdsMWZwU05xemlITTZwTWpuWTRpc0lWTzJYRVJZd085dzZzYTNncUVoTWVBTktOM3V1aVVCUVVBNGszc2tDdTBHSDA5TnBJdjI5UmRHNTZRTVY4cVZYcEZZdWpURGNvREpzYXpZOXg3WEJFZzE5QklRUnVIVnE5MjU1RVFEOG9vZFZPUVVqSDBZZHVIdGc?oc=5) · southernillinoisnow.com
- 2025-03-05 [The FNB Community Bank Welcomes Paige Lowe as Human Resources Manager - leaderunion.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQNkxjMHBmcjUzWEV0TjJ3Sk9iUDl1WnhxV0pabDFXdmJyVEFTVmN0R1VZMVpOS3lZQjgweHh4dFVZTEhQNXdoY2l2N3d2SmNBRlBkM1kyNlBfaGQ5Sm1NallIZlVkZlBPRkJQYnpVbTQxU1pEajlqRzF2UWVWMEVwSDVhT1RrVXRuOS1RZ0ZVWkxFRmViUll6amVnT2NWXzZuXzloaElxZ0VkUTBVWFE?oc=5) · leaderunion.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3840 (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/0.json (key "3840", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide