# STATE BANK OF BLUE MOUND
BLUE MOUND, IL · FDIC certificate 5718 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $31.1M | |
| Deposits | $29.8M | |
| Loans and leases | $12.5M | |
| Total equity | $1.3M | |
| Loans / deposits | 39.70% (p9 of band) | 73.61% |
| Liquid assets / assets | 60.46% (p90 of band) | |
| Uninsured deposits / deposits | 14.85% (p56 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 4.07% (p1 of band) | 10.70% |
| Unrealized securities loss / equity | 0.08% (p27 of band) | 0.86% |
| AOCI / equity | 0.00% (p39 of band) | |
| ROA (annualized) | -0.69% (p2 of band) | 0.84% |
| Net interest margin | 2.33% (p5 of band) | 3.64% |
| Efficiency ratio | 127.93% (p98 of band) | |
| Noncurrent loans | 4.81% (p96 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 102.00% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $284,000 (2.28% of loans; DQ 1.06%, NCO -0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | leverage <7% |
| 2012-03 | 5 | leverage <7%, leverage <5%, losing money, charge-offs p90 | reserve under noncurrent |
| 2012-06 | 7 | capital falling, assets shrinking |  |
| 2012-09 | 6 | reserve under noncurrent, deposits shrinking | leverage <5%, capital falling |
| 2012-12 | 7 | noncurrent p90, uninsured deposits leaving | leverage <7% |
| 2013-03 | 7 | leverage <7%, leverage <5%, expense ratio p90 | assets shrinking, deposits shrinking, noncurrent p90, uninsured deposits leaving |
| 2013-06 | 6 | deposits shrinking, assets shrinking | reserve under noncurrent, leverage <5% |
| 2013-09 | 6 |  |  |
| 2013-12 | 5 |  | deposits shrinking |
| 2014-03 | 8 | leverage <5%, deposits shrinking |  |
| 2014-06 | 6 |  | assets shrinking, deposits shrinking |
| 2014-09 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 8 | NIM <2.5% | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 7 | assets shrinking | noncurrent p90, reserve under noncurrent |
| 2015-09 | 10 | noncurrent p90, deposits shrinking, uninsured deposits leaving |  |

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

- 2024-10-24 [Carolyn Brown Obituary (1924 - 2024) - Blue Mound, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOeFBJSW1ybU1GcU10V0E2a2dNejJXOTd0MjhEeE1zYWdiNnpZYlBFd3NWajhPTHR0OUdHbE1DVVRjNS1vMHJ5VkU0U2VaeGpUQlkwajdLMUtFM1kxbmFNRDFpbnBsNXRMOEkzN3ZwSWVKMDFGcGY2UmxNMlFJRWhubjdaLW16b3o4aW11c094TnU2Wno0?oc=5) · legacy.com
- 2021-10-19 [Keith Gorden Obituary (2007) - Blue Mound, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbnFnd3N3cXQxLXJpbU85SW5IVVVyM2IwSEhEQ3JlaHlncmJiazkyRU55U3ZkMjZESFp5LUw2ZGNtZWZOWjVLdldac24tOFpNMXl4ejJhakFXTXo2cEFZSUJsOFlPUkxBNlJ2dTNmMndDOThoUUJuaE84cnF0eFBWZVBtSUFMaDc4VmJqb2xrYWZ5OFE?oc=5) · legacy.com
- 2021-10-31 [Jack Towson Obituary (2004) - Blue Mound, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRnBMQzNZaEdTYjc3U2FFT00wcjA5a3I1NDlDbGxXVWtGa2Z5clUzMkh5eGN0NzVaNC1XS1ZPNDlraDZOYXJLc0pSaWYxUUplU19TV0ZRSXVwZjAzU3VucHpsN0JhenRBdzcweEx5Q0JWTDlmT1l1T29LcExYb2d2Y2lQdDlnVHFEUnBZUHRxUGx5dw?oc=5) · legacy.com
- 2021-10-24 [William CURTIN Obituary (1949 - 2015) - Taylorville, IL - The State Journal-Register - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbTNJU21UQmI0am05Q0dWbllMcENtZkxJSDFhSWNNcUk1bnFsYTdvS19pT0JPRlBlTkUtNnpOTHJDMllRUnJBMUh6ZmNxejRvWXVLV1ZnNmNlSmg1TTFjTGpUd2ZKZjBja3BONV9qbGJhNkVTd043NXUzRk1Ea3FSVGZGMWMtb09wcEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5718 (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/22.json (key "5718", 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