# STATE BANK OF ST JACOB
SAINT JACOB, IL · FDIC certificate 5730 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (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 | $87.6M | |
| Deposits | $73.8M | |
| Loans and leases | $42.3M | |
| Total equity | $13.7M | |
| Loans / deposits | 55.44% (p25 of band) | 73.21% |
| Liquid assets / assets | 52.73% (p82 of band) | |
| Uninsured deposits / deposits | 13.55% (p27 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.67% (p81 of band) | 11.56% |
| Unrealized securities loss / equity | -2.09% (p66 of band) | -6.10% |
| AOCI / equity | 4.40% (p52 of band) | |
| ROA (annualized) | 1.85% (p84 of band) | 1.04% |
| Net interest margin | 3.86% (p51 of band) | 3.83% |
| Efficiency ratio | 36.43% (p1 of band) | |
| Noncurrent loans | 1.95% (p87 of band) | 0.34% |
| Net charge-offs (annualized) | 0.77% (p98 of band) | |
| Reserve coverage of noncurrent | 166.59% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 2.33% (p23 of band) | |
| Auto loans | $9.3M (22.03% of loans; DQ 10.89%, NCO 0.40%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 4 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2016-03 | 3 |  | noncurrent p90 |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 | reserve under noncurrent | charge-offs p90 |
| 2022-09 | 4 | AOCI drag >20% of equity, charge-offs p90, auto book souring | capital falling, reserve under noncurrent |
| 2022-12 | 3 |  | auto book souring |
| 2023-03 | 4 | auto book souring, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 5 | deposits shrinking |  |
| 2024-03 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 2 |  | noncurrent p90, deposits shrinking, reserve under noncurrent |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | uninsured deposits leaving |  |

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

- 2026-03-04 [Bradford National Bank, State Bank of St. Jacob, announce merger - Illinois Business Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxPTzZTb0ZKSUMtM0JpaHlIdkNOakljOG1MczdZSG02YUJxN1ZOZlRNbFpjQWFUNjJLRjJTMUZfLTJ5S0lBQTRyWWdlN3hpcjlsUlhGUGdXUlJWeGw4N3VhQWphQnUwc3dQcUV0M2lyYXpIU1FlNVpaVmtva25EQXJSVFlZeDFBWmlLc0VVelVYdGRVdm9RbmZ0XzJ0XzV0dmt6?oc=5) · Illinois Business Journal
- 2025-12-30 [Bradford Bancorp to acquire State Bank of St. Jacob for $14M in deal approved by Federal Reserve - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaWtBanpublZHMV9lZFlpb1U3LS1oeDMxcW5qbzZlNFFESm9YTXdTLWdFbmpWa1RjXzROQXgxWlpYY3BfWVFfalUyOXd0ZWpQeGJPZkIxbEt2bURzZXZ1cC01V3VkVWZ1QjZic3dKTU5EXzQ0bVVVUXhVUmtteFF3UUs5MF92djFCazVRaFdpTWpIWmQ1UVlKbXkwT2Utd0hkaXRneXRtb0Y?oc=5) · The Business Journals
- 2026-03-04 [BNB & State Bank Of St. Jacob Announce Merger - WGEL Radio](https://news.google.com/rss/articles/CBMifkFVX3lxTE9ka2FyTmxCanFDMV9ncEROdl9XbDA2Q201QmhtRTVLVlBOMXNkSFhnYmJIaFJSaDNfWVRGQnI0NG1HSEV5WVQwQU82TGUxTEk1UVFvSktXM053TktDSXNoVzNZbW1VOVNNTmhFcGN6d2RVVmQ3ZHc1Sldhb1Jadw?oc=5) · WGEL Radio
- 2026-07-29 [Patricia A. "Pat" Lyerla Obituary (2026) - St Jacob, IL - Aebischer~Richeson Funeral Home - St. Jacob - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMUJCLXRLQ2JsWnV1aGFPb0FsSGZDYlh6cDJkbFR3OWczOWFlUXdYREZwVFRkdHl6QTVBcjJFeXNqMzFxMnEtaXZLZnFOc3RDMHdEdkhhWE5jYlViRHBnLVhFWm9CMFkxSVFPSmZHZUM4OEJEdkYtWl83WGhiTTdhTDYzb3Q?oc=5) · legacy.com
- 2025-10-09 [Bank Auto Lending Rebound Faces Hurdles on Price Hikes - KBRA](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNN3A3czBGWjNyckZCNkYta2lDWEpSMWZJNVlteUVjM0RDT0lrMXNsenZJUUt4RVFJWEQycUhhZ2l2MzNMTWctekZ4Z21pTG1Jbm5yNDhDOS1NLUxzMDB5MVRwbWFXSnhoU2FpYUk4N3Y2ZUdWMW1QWFhQaXU5Y05UcHp6NmgtNUQtelEtWXNtUlJlSktlTVBENXlhSkJXekx1QXV1REtJanc5SU0?oc=5) · KBRA
- 2025-09-02 [Bradford Bancorp To Purchase State Bank Of St. Jacob - WGEL Radio](https://news.google.com/rss/articles/CBMiigFBVV95cUxNam5zYVoyWWZ0RlhmWjZhdDYwXzQzM3dieTd6MUdNckFaZ0dfTnN3RU9LVU9wa1NIaDBEN043M1VtLTNodzdjTkNaZGwyVkx6ZGpRdS1UcmJaaDZpVzdZTDNINzZmN3pZTkRVRTAxbi12OEdiSWZtSm8tZ1F3S1pYS0MtbjljNlR0alE?oc=5) · WGEL Radio
- 2025-06-27 [Madison County property tax bills are out; first payment due July 23 - Illinois Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOblRKUnE4RU9iTER6TVExMTVYeVZPMHVib01iZXpZXzVvN19QYVJKeGRfX2xrd1dPSW9LdkpEQkYxQkM1V3MtTFZRVW5HNF9xUXl2aXJvS1Fxc1dRdXdPRlRSRlBHTWtNTnpoZE9rWGEyME02OF9DemppYVhUdjRGSm5IQndEbmZpeGJGNVhyRUVDUzdFQXFCZlJ2N2duRmVDVE9XbXE5UmQ?oc=5) · Illinois Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5730 (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/34.json (key "5730", 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