# CENTRAL STATE BANK
CLAYTON, IL · FDIC certificate 8487 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $175.1M | |
| Deposits | $143.2M | |
| Loans and leases | $115.1M | |
| Total equity | $31.3M | |
| Loans / deposits | 78.91% (p60 of band) | 73.59% |
| Liquid assets / assets | 33.90% (p53 of band) | |
| Uninsured deposits / deposits | 3.00% (p1 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.92% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -2.19% (p69 of band) | -6.57% |
| AOCI / equity | -0.60% (p40 of band) | |
| ROA (annualized) | 2.94% (p96 of band) | 1.17% |
| Net interest margin | 4.83% (p86 of band) | 3.93% |
| Efficiency ratio | 45.27% (p8 of band) | |
| Noncurrent loans | 3.07% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 59.16% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 1.95% (p23 of band) | |
| Auto loans | $8.2M (7.09% of loans; DQ 4.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 | charge-offs p90 | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 4 | liquid assets <10%, charge-offs p90 |  |
| 2014-12 | 5 | uninsured deposits leaving |  |
| 2015-03 | 3 |  | liquid assets <10%, charge-offs p90 |
| 2015-06 | 4 | liquid assets <10%, charge-offs p90 | uninsured deposits leaving |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 | noncurrent p90 | liquid assets <10%, charge-offs p90 |
| 2016-06 | 4 | liquid assets <10% |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | charge-offs p90 | liquid assets <10% |
| 2017-03 | 4 | liquid assets <10% | charge-offs p90 |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | noncurrent p90 |
| 2018-03 | 3 |  |  |
| 2018-06 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2018-09 | 4 |  | uninsured deposits leaving |
| 2018-12 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2019-03 | 5 | capital falling | liquid assets <10%, charge-offs p90 |
| 2019-06 | 3 |  | uninsured deposits leaving, capital falling |
| 2019-09 | 4 | liquid assets <10% |  |
| 2019-12 | 4 | capital falling | liquid assets <10% |
| 2020-03 | 3 |  | capital falling |
| 2020-06 | 2 |  | loans exceed deposits |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 4 | charge-offs p90, assets shrinking |  |
| 2022-09 | 5 | deposits shrinking |  |
| 2022-12 | 4 |  | deposits shrinking |
| 2023-03 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 5 |  | assets shrinking |
| 2023-09 | 4 |  | deposits shrinking |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | uninsured deposits leaving |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2025-12 | 4 | uninsured deposits leaving | capital falling |
| 2026-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2026-06 | 2 |  |  |

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

- 2026-04-08 [First Central State Bank to host shred days - KWQC](https://news.google.com/rss/articles/CBMifkFVX3lxTFBKdzJCcUxPbG5CNmI0MWxiYUFrZXE1LWVpWUxaZGdkUFVYeGJYVVJvZTVoZThwUXRaa1I4TTE3Y1Y0R2kzQ2tHTmppQmViLWtxaXBUTkVuM01BSmFLZGVoMXU1bmc2aW4yQmIxemZCVWo0R2FDZzFIQTVEb2ZSZ9IBkgFBVV95cUxOQllvMXYwb0Vqc2xoTkczSFlFakFTY3NCLVM0ZkxhYkNnMjlOMTBnaFNkWHZpa3ktcHNjTC01ODVHTWFQaElNNkR6WVp5UUc2VFJKaTMzSXoxaUFNal82bnVBaGNzVDZ5RE9rMmpLTnpQYWVHSDJLVEtjM2s4QWpRYVN3OTFGNjNNLTlVS05SMVJydw?oc=5) · KWQC
- 2026-05-27 [Hess joins First Central State Bank Board of Directors - Clinton Herald](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQTDdMY3l1WEtBUnpjLXZmRElkWHNUeDVvMzE0aFNQTlA5b24tbDlhOElQbXJhRjF0TnB0WDRpOTZlTnpvanNJM1NiMjgwTW1IeXdrSE5IeTREdGl2elRjR3NUbGxtZzd0NXItV2RsZ2szdFcyTFUtWTR5aUtSaXJoOVROM29GRW5kYWJ1eWtvQUhJd1AxTE9iV3l2ZnM3Mlo0anViRDlGeXpBN0N1R3Z0dHRLSVJ0ZFNYZnJ1MkxVTHhtZjJhQzFJS0llLTd3bnlvQUJVemJ3NjF4em8?oc=5) · Clinton Herald
- 2025-02-26 [First Central State Bank announces promotions - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZ1RwaHBSV0pfRDZubk8wclVwWVA0YUM1czl2WC1CRzlkR29SUmJ4U0QybDNxZzJYc05RbDl3MUNLdU16QWZ5MzFJaldFajRsQndiZ05FRWczcHFWQ0dGS2tMcHBkTXpCNzlwX3pyeVdyVlNmbU5XZVAxN1l6eXJNWm51Zw?oc=5) · Quad Cities Business Journal
- 2021-07-28 [Throwback Thursday: Central State Bank - The Hutchinson News](https://news.google.com/rss/articles/CBMingFBVV95cUxQQzBoNHV0dHZiaFRURms4T1NjejJvaFFodXJkemx1bXNPQ2JEZmZuSkF5SnBsakJGa01LTXFoMUw0Z1o3X013Wmp2dEJNZWxlQk16eFhVMFVtMTFxQlBhcnNXVVJIeF9FLWh3Q013d1RsTmxucDdNekZ6bFJYYnluWFFiS0ctNUhZTHpOT0NfVDR6TDdQaVNhaWdKNEI5QQ?oc=5) · The Hutchinson News
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Iowa - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdDNERG9UY2kxckVvZnQwUlVpcHY4VXdGc2Q4a1RhOXNncGF5ZmZfNGFwVm5ZMGt1N2VXZGttYmZzZWluNVo5X1dQb29Jd3ExRFJGQUkydjhjWU5fUThfQktxRWxIZ1hQZXFFMmY5VXNNTkJIR2R6cThpekloYVQ5R0VZYVpYdWVPNFE?oc=5) · Newsweek Rankings
- 2024-04-11 [First Central State banks to hold free shred event - KWQC](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQjRRRUg1RjlHd0N5dDVSVHFGYmNwTVN0a3ViSV9oVGxQY253ZkRpTVh5YlU2dnZvaXBha2RnR0tGQ2FDTDJaZS03cTFrcHFwbnpSX1g2VHd3N2xLYUtnakpFWGNmd0JiaWJBOGdIZG0wVWFsb0RBUnZZM0FDRkZuRlJfVUU0VEHSAZsBQVVfeXFMTk5MVHVHUWJRN3NCM3lLa0swWW1jTkZvbzR5MzR6WmtHcTlIZGI5M3hVV0UtTC1uTVh2WG9LRE10aHpwd29iTXlCS3ZzLXVseTNlWnl5MXhxZDlXS0Q0cVllYUlvQXhkZUpXNVdHZVdaRm1YU2h4Q1lYMzE3ZjhhMjBNYThTeDVsc3lWeTktaXdTU0NoU0FLVjJzeE0?oc=5) · KWQC
- 2026-03-10 [Obituary information for Leonard Ray Yoder - Glidden-Ediger-Wiggins Funeral Home](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdVFQWmdDU1pmSF9naTJRTFRVY2QxYU9VbUs0OXBvMExYbXNBYzI4YWZNZ0FzRm16c0t2bVlfTmh3bE4xX2gzRlVEVk1WYl8tNEFyQndDbDBnaHZLQmxzUWlhWFZpTEhWVHVadklUZC0yc18xNHFyeFNya2NEWFM4NWlDT0c?oc=5) · Glidden-Ediger-Wiggins Funeral Home
- 2024-04-27 [Obituary for Vicki (Clem) Daniels - nieburfh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5SWTR4cTl0am1qSjF3bVJDMGxXdnY1Wk80MXk2Rl9FWm5CRDl4QnM2Qm5ybVhLU01LeENFYW9FLXFlM3FlYzVpYTFHZWZjWkpIR1NUSEg5R1JSQlE?oc=5) · nieburfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8487 (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 "8487", 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