# BANK OF BELLEVILLE
BELLEVILLE, IL · FDIC certificate 58114 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $562.9M | |
| Deposits | $411.4M | |
| Loans and leases | $391.7M | |
| Total equity | $40.4M | |
| Loans / deposits | 94.29% (p80 of band) | 82.04% |
| Liquid assets / assets | 25.52% (p52 of band) | |
| Uninsured deposits / deposits | 9.52% (p4 of band) | 25.97% |
| Brokered deposits | 5.08% | |
| Wholesale funding | 24.41% (p96 of band) | |
| FHLB advances / assets | 16.84% | |
| Tier 1 leverage | 8.37% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -18.65% (p25 of band) | -8.10% |
| AOCI / equity | -1.27% (p17 of band) | |
| ROA (annualized) | 1.00% (p32 of band) | 1.28% |
| Net interest margin | 3.18% (p15 of band) | 3.91% |
| Efficiency ratio | 62.90% (p55 of band) | |
| Noncurrent loans | 2.02% (p88 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 47.76% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 59.54% (p63 of band) | |
| Auto loans | $1.7M (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | brokered >10% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 3 | capital falling | reserve under noncurrent |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling |  |
| 2020-09 | 2 | uninsured deposits leaving | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 0 |  | uninsured deposits leaving |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | wholesale funding >15% | construction >100% equity |
| 2023-03 | 4 | expense ratio p90, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 6 | construction >100% equity, uninsured deposits leaving |  |
| 2023-09 | 5 | capital falling | expense ratio p90, construction >100% equity |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 4 | brokered >10%, securities losses >30% of equity | uninsured deposits leaving, capital falling |
| 2024-06 | 3 |  | brokered >10% |
| 2024-09 | 3 | capital falling | securities losses >30% of equity |
| 2024-12 | 3 | brokered >10%, securities losses >30% of equity | NIM <2.5%, capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | reserve under noncurrent |  |
| 2025-09 | 3 |  | securities losses >30% of equity |
| 2025-12 | 2 |  | brokered >10% |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2025-12-09 [60-Year banking legacy continues with opening of new West Belleville branch - Belleville News-Democrat](https://news.google.com/rss/articles/CBMifkFVX3lxTE9KalB1Q2NmVGpYUkE5cDMxSW1ndnZGNXhSZmNON0VLckVwWmlta0FfTXg2VXlOUGx3Uy1XS1lXc1BSZnZwcUk1a1VsWDBxdjFPQlE3Qmc2Y1hlQm43Wl9PN2EyTGlid0xTM2FpdDlPWS1IVDRIYW03QUVyd3VuQdIBfkFVX3lxTFBoWXVQc3c3TXI1andmS0RPQ1J3aGExUmMtMmp4cm5OdUtxbmpkVDJja2tQYkY3RF83dml3QWQ3bVBLS2NGN0hxV1BvR09jX19DX2dtREMzWDcxb0JHZkdsVWkydFc2aGZqSVpSVDd5ZG8xd2xJY3hUcTVkblRFQQ?oc=5) · Belleville News-Democrat
- 2025-07-01 [Leadership GOLD: Bank of Belleville’s is evidenced throughout its 20 years - Illinois Business Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxNLXJrcElqZndSMlRaLXVtdUxGOHc2ZjMzbFdpaGJkMmtncFpSekhkaTQ2TndVclZWa1N2eUk5LTNtbUhHc0gzbXhFemNEMl9hN3NQai1GcnVBQTFvR1lseGVtd19QX3pCSHdSanJFTXV5c3FKMlRWMHRaaTBET015R0pGR000N2lyellrYkdGeFNsQ0lIYU1JdEhlYXk2aGw3cGN0X0JRZjFabEN5dE9v?oc=5) · Illinois Business Journal
- 2020-06-23 [Bank of Belleville plans for new Edwardsville banking center - theintelligencer.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOSWlDcDJzaG1RWG9odU1aLUNaaTV0dFNVN3pyU2FBMEVSTE9HT3M5aUE1SXBHWWQ1dnNadmNUX0M0VmdMRERMWGFKd0hpLUZRYVpHOWRNRlFVRVBVVGtmYTd2MldwNWlhVFJFX2w1UUVfQXN0UEEzeWd6ckVJci1oOEJDamlFMk1LNHVTVWczejhabEdPSDlsREJ4MnRTWEZDbTR1MkhVVQ?oc=5) · theintelligencer.com
- 2023-09-25 [Metro East Bank completes three-county expansion with renovation of Edwardsville building - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNLW9OZ3l5NUZvSGtnaEVkOHFjcjBaM1MtbjRRT0ZLcGJfTGxxazY0aUFEczNGQzJaclloekZZSEIycTBrak1Ea3Q0VDRYcnNOb3hDeVVCVVozTVpNWlZtbmRwcE5fanYtMVF1WDJXOW1Ia3lYNjFocm1QNUFxemRtdE1Rc1FmdklveTJBVEFaWFZqY1pfSmR2bVNaSGRQZHpaMUEzV2VWQlc?oc=5) · The Business Journals
- 2019-04-22 [Bank of Belleville names new president - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1ua0VQZWR0WXF0bTUzYTQ3cmJwTDBjU0x1eGRNTWV4akJFN1k1WXNGZUkwYzFKazEzUUY4Y0JQYzB6SDRGMW5nVThiMVYyVzVtZm83UnJXWEhRQVdlVmw4VlNB0gFiQVVfeXFMTmZOZGVRNXp2M0VIXzExVGVyNlZxcVhtelBrVWFwZjIzdm5kVFVBUnFxZHV6bUg4R2xnSEJIUkpXb2NvSUViaGlqMjI3NTBBUVFEUWVaLThZQml2bmpSSDJSWWc?oc=5) · Belleville News-Democrat
- 2024-07-03 [New statutory board members announced by Bank of Belleville - Illinois Business Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxOVmR1V29vZHBwMG9BU1hEVVoteFU2cWNjVlI5SzRFOVFNQ1VaZXNzLVpkdllvWkd4RW1JXzJCb3JDSUV3SUhtMmNhQjNaRzZSZVY4eU51VXdoVWR4XzZqNVlGT0Q4WkRQZ1plUWpOeWZhc0p0eFFPdHNuc0dwX05rV0hhaFRaYWhTM3JJdmg0eTRydl9UTGprcGRpSTNFQQ?oc=5) · Illinois Business Journal
- 2020-12-10 [Bank Of Clinton County Breaks Ground On New Location In New Baden - RiverBender.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNS1d6a2VpeTg2cV9MRHVfeVBWR2x3LXYyZ1Y2V2V4UHdJeFBaMFJ5azRweGxXLVlaNmZ2MDN6Z1F2al8zb0p5NEx1WFdTY1BBdFZTOHhnUmRuSGdRUnlndnZsUHB6cEVGZmRDV0tPNFBRZTNMbDhRRzY3SEZ4M2hxOVBVMlBoMU5vMjNwQ3VDNVRmbjNIdnZFRVFpNHpXUTY4amltNEUtZW5IQjQ3cFVNSmYtSjV5TG8?oc=5) · RiverBender.com
- 2022-04-17 [William Badgley Obituary (1930 - 2011) - Belleville, IL - Belleville News-Democrat - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNX1lvT2R6blJVOUlqMUFXVjdNWEFqV0JKSUgtbm1CdnJVZTFITWtZQVpQRVBLaWVia0pUeXptTnVyU2xmMlRydW5od3h6Z0ZfSGVCeW4yNllRRnMza2dsUjVLZURzalA3aVBndmxhVGExcjlsaXBWemczaENUbXo3eUhwaE5MZzMyZERPeDdqWVdfekk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58114 (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/2.json (key "58114", 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