# STATE BANK OF DAVIS
DAVIS, IL · FDIC certificate 5740 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**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 | $171.4M | |
| Deposits | $150.7M | |
| Loans and leases | $98.7M | |
| Total equity | $15.6M | |
| Loans / deposits | 64.47% (p39 of band) | 70.65% |
| Liquid assets / assets | 38.22% (p58 of band) | |
| Uninsured deposits / deposits | 11.65% (p20 of band) | 19.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.36% (p58 of band) | |
| FHLB advances / assets | 1.93% | |
| Tier 1 leverage | 11.51% (p50 of band) | 11.50% |
| Unrealized securities loss / equity | -46.56% (p14 of band) | -11.46% |
| AOCI / equity | 5.19% (p89 of band) | |
| ROA (annualized) | 0.78% (p38 of band) | 1.00% |
| Net interest margin | 2.71% (p13 of band) | 3.68% |
| Efficiency ratio | 64.11% (p38 of band) | |
| Noncurrent loans | 0.79% (p71 of band) | 0.28% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 197.55% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 24.59% (p58 of band) | |
| Auto loans | $675,000 (0.68% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $280,000 (2% of equity) (p97 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 16 | |

## 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 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | charge-offs p90 |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 | charge-offs p90 | capital falling |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | deposits shrinking | noncurrent p90 |
| 2018-06 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2018-09 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | NIM <2.5% | reserve under noncurrent |
| 2021-06 | 0 |  | NIM <2.5% |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, reserve under noncurrent | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | reserve under noncurrent |
| 2023-03 | 3 | capital falling, charge-offs p90 | AOCI drag >20% of equity, noncurrent p90 |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |

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

- 2026-07-20 [Richard L. Kleckler Obituary Jul 20, 2026 - Walker Mortuary](https://news.google.com/rss/articles/CBMiakFVX3lxTFAxQ09SeVh3U0tzZHN0c3YtdGV3WVFrQlE0d1NLdmtldWQzZTFwVEd4REtuOUZQRUxlQUFGSUNVWVNXWXBTTVNRWThCYnBzNnZaWFZ1OUExQVh2X3Q3OFRVWkhyYlhoMG1GT3c?oc=5) · Walker Mortuary
- 2017-12-08 [Lane A. Seagren Obituary December 8, 2017 - Fitzgerald Funeral Home & Crematory LTD.](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1nSEF2eEt1dnZsbllicVF3WWdtRVBGbWpodU5NQWk5X0ZDcldubGphdVRRZFA4UUNaQmU2bFlha0lzVllLMjFKQUdYdFpzVDZRclpXU1J1MWJBVWQwZ1hlT3FlckE?oc=5) · Fitzgerald Funeral Home &amp; Crematory LTD.
- 2026-04-13 [Foresight Reports 2026 First Quarter Results - GlobeNewswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSkZYc1Ftak4wY1NlS21HRGJkTWhDRTBmSF9WaW5vNEJvYVBrMXJtLXN3TmRPbVVVOTFLR2N2MEQ2WENVUUdhZVduRS04NjVCZ2xPZ2lHUW14aVBOX3RrR3QyTk1weXdKbnRsTDBNOVR3cGlMNjRNemktX2ZGdXJ2eU9NdFJyZVBaTWVyZHFXTlBmT3BDR084VHJzeDRJcm1WWWhiN213SDlkcDJSTzd4NzBwbGtRems?oc=5) · GlobeNewswire
- 2019-10-07 [[Update: 4 more] Google Pay adds support for 16 more banks in the US, including E*Trade - 9to5Google](https://news.google.com/rss/articles/CBMibkFVX3lxTFBBNmJPNkZseVk2T1NJMmpiM0loV2NYeHl4X3IxM09meTBnbFl3Y25vOVRHa18wVEFyTWdCS3lHOHRsYW9nZlpFQVJLLUFkOE8tampnUGc4TTRBMk5NdExaSENic2tMZHZjVTRjM3pB?oc=5) · 9to5Google
- 2012-10-24 [Instant lottery win all in the zeroes for Durand player - Rockford Register Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMmtZNzYwdzk3TTA5NFctR3VRcmpZaTN2VktXVlVvTS1vQzNGNzE0MkJvSWlqQnZzc0MzelZHWjBnQkMxbTZCYXZ2QVp2R1k5UW5tMncyVjQ2amRYRjJXYXcwcVkxUmpxal85d2ZydTB6WW1IczdjRThhYVVfNDl6Uk1lLUhUUll2X1hEdy1TbnU4MWJy?oc=5) · Rockford Register Star
- 2010-08-18 [OBITUARY: Stephanie A. Lizer Carreno - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSmw2UldFVW1LV1RVZ2h5eEdyZnp5WV9YNW93VmdGenlNTWJTbURLM3pDbFdRbmg0eGJUWDY3RlhuVEM2cHgtRE02SnRRYkI2OC1sNlFBdUVlaDJmRWJ0bEFvbGozaHdiSkJQNVdxSVlpaHZFM0lKTXVNR1pDclRGemp6LW5OakI0VUVtZTZpRFVTN3REUXRKVVZkSjVVd1hs?oc=5) · Freeport Journal-Standard
- 2024-04-19 [Elizabeth Marie Sorn Obituary Apr 19, 2024 - Walker Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE84MXZjZlN0TXRiSlhJdTh3OTZTQ3V5LTlPUzdSZmZmZ3N3QndlY1lZQUpEY1BGTUFLZHBZY1FBTEFmY0szN0FPbG93cTdPRnRBRldJUHItQWlHaHdzaWM2MFlDblNyQ1k?oc=5) · Walker Mortuary
- 2025-07-21 [Foresight Reports Second Quarter 2025 Results - The Manila Times](https://news.google.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?oc=5) · The Manila Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5740 (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/44.json (key "5740", 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