# STATE BANK OF LIMA
LIMA, IL · FDIC certificate 5735 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $29.3M | |
| Deposits | $24.8M | |
| Loans and leases | $12.2M | |
| Total equity | $3.9M | |
| Loans / deposits | 47.86% (p16 of band) | 72.67% |
| Liquid assets / assets | 58.27% (p87 of band) | |
| Uninsured deposits / deposits | 4.17% (p10 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.71% (p48 of band) | |
| FHLB advances / assets | 1.71% | |
| Tier 1 leverage | 12.05% (p70 of band) | 10.53% |
| Unrealized securities loss / equity | 4.29% (p92 of band) | 0.18% |
| AOCI / equity | -3.91% (p3 of band) | |
| ROA (annualized) | 0.46% (p25 of band) | 0.82% |
| Net interest margin | 2.94% (p17 of band) | 3.60% |
| Efficiency ratio | 145.10% (p99 of band) | |
| Noncurrent loans | 0.03% (p16 of band) | 0.74% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 8800.00% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 8.26% (p37 of band) | |
| Auto loans | $184,000 (1.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.5% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | AOCI drag >20% of equity |  |
| 2013-09 | 0 |  | capital falling, AOCI drag >20% of equity |
| 2013-12 | 1 | AOCI drag >20% of equity |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | expense ratio p90 |  |

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

- 2026-07-30 [Stanley L. Tucker Obituary Jun 25, 2021 - Printy Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFA0QVcyOWZrbmUzWjNMaVVhczhDNkR0MlFMOGg3RE05S2JsMHVYd0FZQ0xHVXNoS3BGY3hkdGdCOHRQU2tNem9VQU9YOTYzSmhsMDB4dkhQeVV5VG1pT2lDZlN4UkNzU1RKQjF3?oc=5) · Printy Funeral Home
- 2017-05-28 [Audine Jung Obituary May 28, 2017 - J. Otto Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9GM0l5U0RFLVMzODlESWtBRXhMRmZkVFduVHdPOWtLNFNhUEk2eXJ0RV9DUnZBXy1iVG5pRWhqTl9OM1RnTHZYSkFBQkxhQnRpN3lDaXhwVngtZFd6OTFsVXpOQlN1eEU?oc=5) · J. Otto Funeral Homes
- 2021-10-31 [Gary Vest Obituary (2011) - Lima, IL - Herald-Whig - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMW05VnhwV3pST0NuQXVnZXVmc3dKdnR2eFdtcjZ5X05SUWJQUGZaX1diSUdnZG5tbnd6NGNNLTRHMGhsNlpMUmU1UVhRU0xrUWxiNGpOX0RWWDkyckw3eVJNY2h5Nnl0QXJNZFNDMmozVmlUdWpLQ1hUQzdjRjdhR2R6SQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5735 (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/39.json (key "5735", 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