# HENRY STATE BANK
HENRY, IL · FDIC certificate 8494 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $95.8M | |
| Deposits | $77.9M | |
| Loans and leases | $55.8M | |
| Total equity | $13.7M | |
| Loans / deposits | 69.58% (p43 of band) | 73.48% |
| Liquid assets / assets | 38.68% (p63 of band) | |
| Uninsured deposits / deposits | 12.40% (p40 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.33% (p61 of band) | |
| FHLB advances / assets | 1.98% | |
| Tier 1 leverage | 14.52% (p84 of band) | 10.87% |
| Unrealized securities loss / equity | -0.88% (p37 of band) | -0.29% |
| AOCI / equity | 0.27% (p47 of band) | |
| ROA (annualized) | 0.71% (p40 of band) | 0.83% |
| Net interest margin | 3.14% (p24 of band) | 3.63% |
| Efficiency ratio | 78.31% (p66 of band) | |
| Noncurrent loans | 1.78% (p79 of band) | 0.63% |
| Net charge-offs (annualized) | 0.74% (p98 of band) | |
| Reserve coverage of noncurrent | 156.96% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 0.83% (p17 of band) | |
| Auto loans | $890,000 (1.60% of loans; DQ 2.58%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | NIM <2.5%, reserve under noncurrent | capital falling, charge-offs p90 |
| 2013-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 1 | deposits shrinking | NIM <2.5% |
| 2014-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 1 |  | assets shrinking |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 2 | deposits shrinking |  |
| 2016-09 | 5 | losing money, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 |  | deposits shrinking, losing money, uninsured deposits leaving |
| 2017-03 | 2 |  |  |

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

- 2019-11-01 [Farmers State Bank moves locations in Woodhull - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiogFBVV95cUxQeXpmd1FwcFZqNEtERGtQOXREbEFLMjFmMlRERDB1QVI4MUtDLXkyaVM0R1JsdlpfTWpNOERfYVJPRzhxT254Q0pqMjZpQlBZenZHSm1SUXBvc1B4WGIzcGVfQUNUb2kwQXNBWjJLUTFsZ1RKaGVZZEpON1lZOUt3eWwyMkRMeEZTTnJXeWdTaG8zdlA3VmVTV3poZkU0djFHN0E?oc=5) · Galesburg Register Mail
- 2016-02-29 [Helen Yarrington Obituary February 29, 2016 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiakFVX3lxTE9kOGM5dGJyMWhRdm5NVmVNYnNPaHVOQVptVkZUQ1hBaDdRUk0wZWR0TXRMcm8zUUoxNGhpNlZFQVBoYUlTY0d1VTNfMXBER3V0Rk5TbjVMVHdBMWJnbVliYWtmTnJobUFETnc?oc=5) · French Funerals &amp; Cremations
- 2024-09-25 [Sharon Chapman Obituary (1938 - 2024) - Henry, IL - News Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQUU3ZW1GVl93WEFZSUtMVEJPMlhvX3dIYmgzc0FiWk5wSTVTNUpZQWZNWGZ2U3Z4b3RMUlZIdFp6bHNzRVE0MDR1OXhJQkc2R1I4Vjg0VWVnaHVRcG9GQnVubXJrZnFKYkZBOXBrMWY1bzNnNk9LYUE2dGpoUFZQNXRldlJXU1pqQjdqZjBORQ?oc=5) · Legacy obituary
- 2014-03-23 [Marcella Kaliher Obituary - Peoria, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWFZBLXF5a2QteVFPbnVOTWpqV01TbEFqVFg5cjlrZDFweEkxSnExMVplcHV2eHZNSGZwUjVFeXdpdkNoOVdObE41c2xIdGpQNjl4aHRhODByWHNHN0Fmbl9qbS1yM1dxOGtGX0l5blpfT2l1dTRXZ1d2WmM4R1RuRUZVNA?oc=5) · Dignity Memorial
- 2017-07-30 [Wells Fargo pulls out of Woodhull - Galesburg Register Mail](https://news.google.com/rss/articles/CBMimwFBVV95cUxQbVVYZFRzd19tMmJPNVlnQlkyeXAybDIwX3lSUkstN005YjduUjZBR2xNVHFUa3lzdlpCX1VIR3VQQlZmX3pOUGxFaHE4aXNSYmxtMnlDa1c5dHJTZmVveUxaQnh1YkJBZG9fa3JKaUo1eV8xeXBoQ3hMUTNpelhLSU96NDFuYmFwd2FIUlN6Ujh6U29oYXhERXh1dw?oc=5) · Galesburg Register Mail
- 2025-07-06 [Ernest Lamkey Obituary (1948 - 2025) - Bloomington, IL - The Pantagraph - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOb0NWU09DelFqMGY4WktORjlPbE1ITm1vR011VDR4a2toV1cwdHAzN1V6X3N4ZWpEZmowZnozR2liLXFEbXEwdWtRdzY0c3FkRVBYR3Z2Vkdnb1RVbFRQR1gxOGQtRVh5cEN6SFJ0QVk5dkM2eEZnTVdpNmlxTXluYUk4bnpQcF9xN1dDYjI4YTg?oc=5) · Legacy obituary
- 2015-06-04 [Edward Hartwig Obituary (2015) - Peoria, IL - Peoria Journal Star - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMHpraEJ5VElNUmw3NXFmTGlZQUhRc2dMWHNnVUo3RnIwWEcwcmFUWWFBMmNrelRBb0ZvYWRCQ3lMWW1TT2ZhcTJ1WUs3ZWx5c0F0NnRfM19aWC02ZWRhTjNQdHpidl9HWmd5Z3NGOWFmaUV6M1ZIWWpmbi1CNkVDT1NNRTBnQURmRXJrUA?oc=5) · Legacy obituary
- 2014-08-02 [Berna Winship Obituary (1920 - 2014) - Putnam, IL - The Register-Mail - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcWp2ajd2YUVjdmVwSkhhVXBNOHhQX2xUTnp3WnV1Rmw3cG9lbFVLWnJCbTBzWGZFaXNWcjhTdXFaTk5nQ2lYQVFWVURzMFY3UnBkWFJjbk9NSDk1a1o5WVZuTWtoTGpiZmItUEEwd0thdlJNdEJMZHpac05sNGJYWHJURXZnNU9GSTVOLUNlTGl0VVAy?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8494 (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/46.json (key "8494", 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