# SCOTT STATE BANK
BETHANY, IL · FDIC certificate 8491 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $203.5M | |
| Deposits | $178.0M | |
| Loans and leases | $117.8M | |
| Total equity | $23.8M | |
| Loans / deposits | 65.47% (p38 of band) | 73.59% |
| Liquid assets / assets | 38.18% (p60 of band) | |
| Uninsured deposits / deposits | 17.85% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.49% (p50 of band) | |
| FHLB advances / assets | 0.49% | |
| Tier 1 leverage | 13.67% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -19.01% (p24 of band) | -6.57% |
| AOCI / equity | -0.81% (p32 of band) | |
| ROA (annualized) | 1.12% (p47 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 70.82% (p62 of band) | |
| Noncurrent loans | 0.24% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p71 of band) | |
| Reserve coverage of noncurrent | 439.93% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 20.64% (p54 of band) | |
| Auto loans | $1.7M (1.45% of loans; DQ 2.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 49 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-12 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 2 | charge-offs p90 | capital falling |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | reserve under noncurrent, assets shrinking | charge-offs p90 |
| 2026-03 | 0 |  | reserve under noncurrent, assets shrinking |
| 2026-06 | 0 |  |  |

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

- 2024-10-15 [Indiana State University Federal Credit Union welcomes Brian Zuber as new President/CEO - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxQMzRMS3ZJTmlsTDFhcjEzZ2M0Q3lQenJZcW5UelcxZ041bmNMNzRJMWMxZWZ5OHJsT3drOVBqU3R4VkxzbHJHZ0RBdDRKTThPdEFDNDRnVUZyek5ZNXRWRnI1MnN1WlJKUlJHQi0xWGk0Y2p2ZFJlRjJEaGgtejBQdWVPTnRoX09Nbl9JcGhDa3NiYUVrSHVMX0xwSG9raVZNWEhiclEzOVk3b1p5RjdmaGptcVRrLV82SGFnLXJzY1pCOTFQOFVz?oc=5) · CUInsight
- 2020-09-29 [Nancy L. Shanle's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMid0FVX3lxTFBpckMwMEZ4UWxDUGdzcm9rOTcwbmpjeF9tWnpGei1MRlA5OWZONDR4eTJxVFl4QmFjZ19qaUxmQ19HTEdibUtBQnM4eGFHYjVpT0JZRTFJbmQ1cjNnNmNzbkNjZzdrM0h3ZDl5S3gxUFdyU2pWc25J?oc=5) · gracelandfairlawn.com
- 2023-12-08 [Bradley Jackson Obituary (2023) - Mount Zion, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxNeG1zYklzeXNjYm5DaVlpZktBbG5CLVNtTm93cldLbDRjb3E3QmktTnRUbk9ObFBBTjZMQ3I0RjFMOENUMFRCOFdYRjY1a25XcDRyZUxVdmZKYjVNdEJYcTFPeFdJU2V2LTdobEMtTVJSN1E1Um5pNTVQVjhySi0tQXlHV2JrSFNYZ2RFYVBMZnZ1RDNDbjg0?oc=5) · Legacy obituary
- 2018-10-10 [Arlen Ray Skinner, Jr.'s Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE43b0JKQlU0X3M3RFVoc2JPRlZ4OWhfal9lQ1U3NExZV25Xc3VPSFVFcEZiTi1UaWpQZ29oTlhMR3gxdkxSV1FGb0pSUTE3em1YcFJXdklPbGhwR3dSdml1MUhsQ3NxQ2VrUkxYenRnaTk5cHR4NkJUYW1NQ2Zxdw?oc=5) · gracelandfairlawn.com
- 2025-07-19 [Frederick Young Obituary (1931 - 2025) - Decatur, IL - Decatur Herald & Review - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQXFmUkJiek5PdEptSTVFUndkWWhVdC1laUdyXzNIRTZvOUZUQmlDYmR5YjEzWVJWa3MxOE9JVkVoUlJVb0hnalpoSTNHc3U3SUl0bDI3a2xSa2NGUHI1djcxRHNnWWRYbmZ0UjktMGl2NUJCTDJBNGtIM1dnMGc2SEI3bFFON0thR19YN09NSHhMY0h2VVBR?oc=5) · Legacy obituary
- 2025-01-11 [David Fathauer Obituary (2025) - Dalton City, IL - The News-Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYjFycG9LOGIwbHVVNTc1ZVY3MnhtZkR4RWlibTF6ejQ5TzhtcTU3Y2pnZ2w3NHRCYXh0TFVuZldaYUR0N0pzS3BuWVRwRWNhMWFjNmlYbDdOczBTdndfWWlDaVFYT1NYa2NqeEh6UzZYQ2JTeE9HcGc3REU3MTFFaDBLb2t5dUxZZThjUk8xVGZ1M0di?oc=5) · Legacy obituary
- 2011-07-25 [Richard Malone Obituary (2011) - Sullivan, IL - Journal Gazette & Times-Courier - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOMjk4ckhQY25iVjZrRkN5YkExZ3p3NWJHVm42NnYtLTh6Z0xCSlltaFB2M2dFRDEtX1ZLZ0ptdkRNNDRrTzdGcEdCLVUzbnhUeGFSYWIwcG5GZmxDbk5FblFJUG8wWTBTQklnNmkwVUh3OHRhUXRudHVxTENrT05RSGVTc2g1eHJMYmNz?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8491 (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/43.json (key "8491", 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