# STATE BANK OF GENEVA
GENEVA, IL · FDIC certificate 925 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $116.2M | |
| Deposits | $102.9M | |
| Loans and leases | $80.9M | |
| Total equity | $12.9M | |
| Loans / deposits | 77.12% (p57 of band) | 73.59% |
| Liquid assets / assets | 28.28% (p39 of band) | |
| Uninsured deposits / deposits | 15.86% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.81% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -11.12% (p38 of band) | -6.57% |
| AOCI / equity | -0.04% (p68 of band) | |
| ROA (annualized) | 0.68% (p24 of band) | 1.17% |
| Net interest margin | 3.44% (p27 of band) | 3.93% |
| Efficiency ratio | 84.72% (p85 of band) | |
| Noncurrent loans | 0.16% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1243.65% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 0.35% (p19 of band) | |
| Auto loans | $88,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | losing money |  |
| 2011-12 | 8 | leverage <7%, leverage <5%, capital falling, noncurrent p90, construction >100% equity |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, leverage <5%, capital falling, construction >100% equity |
| 2012-06 | 6 | charge-offs p90 | reserve under noncurrent |
| 2012-09 | 5 | reserve under noncurrent | leverage <7%, noncurrent p90 |
| 2012-12 | 4 |  | reserve under noncurrent |
| 2013-03 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking, charge-offs p90 |
| 2013-06 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 3 | charge-offs p90 | AOCI drag >20% of equity |
| 2014-06 | 3 | expense ratio p90 | charge-offs p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | charge-offs p90 |  |
| 2015-03 | 5 | losing money, uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 2 |  | expense ratio p90, losing money, uninsured deposits leaving |
| 2015-09 | 2 | expense ratio p90 | noncurrent p90 |
| 2015-12 | 4 | noncurrent p90, charge-offs p90 |  |
| 2016-03 | 3 | capital falling, losing money | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 4 |  | uninsured deposits leaving |
| 2018-03 | 0 |  | expense ratio p90, losing money, deposits shrinking, assets shrinking |
| 2018-06 | 1 | expense ratio p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 4 | deposits shrinking, assets shrinking |  |
| 2019-09 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | expense ratio p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2020-01-06 [State Bank Of Geneva appoints new president - Daily Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQVVDRW10OU9rQm04ck95Qk53SmN1Tm5oUHFnUlFmcXNOS0c5am1lT2lwWl9JYWQ4V0tTa3AyT1hLTXp4OG1LVW8xRVdOV1QzQzBRendPaHpQZExKTS1zMjh0RUN4M2hSMjl2bkhVMi0zLXh3WHN5cmFVV1hsc01DR1pHODdWRFZpbGxCWjY3ZGR5ODdh?oc=5) · Daily Herald
- 2015-06-12 [Obituary for Robert W. "Bob" Cox - malonefh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9WcFFFYkJzN09NY0NhZlM0X2l2cUtydU54bXVSWGFjazFtd05sSk5kY0xIbFJGYm5GRlpaM1RjZU5kX3l6VWMwb21xUWQxOS15cE5OM0FvbE5KVEl3?oc=5) · malonefh.com
- 2018-05-12 [Bob Cox baseball field dedicated in Geneva - Shaw Local](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdG81RVNnU1pySkZ1UXpOUFRCdTBRcXVUMElXWmJSMFNWNkU5SUdKbHFoQ2xCOEFnTURlNDBWczMyYmp3VFF0c2JFV3pUR0xMd1FfZWg1eVN6QWdEZjZGOUtjZFo5N2tpNGxZeTdJM0E0b2drNWxyZFpoeDdzVFJOdHpZeHhwT3pTakxoODNtN2tyUQ?oc=5) · Shaw Local
- 2024-11-28 [Mary Hays Obituary (1942 - 2024) - Maple Park, IL - Kane County Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMG5SN1E4RkNhYWI4M3loQmFTMFpCYWZ6RFB6NzB1dGItRkptV1RlMGluWG94T2I2U0EwUVZYdmFXaEk4Y2doM2FBbm5uakp4S0IyQnhYRGxFUXJoaDJZRlZlWERyVmRzeUhKRFBrZWNFWjI5M0UzM3NWSXN1TEkyR01SMjgzRlF4aDVTTg?oc=5) · Legacy obituary
- 2021-08-26 [DAVID MORRIS Obituary (1960 - 2021) - GENEVA, IL - Daily Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdHRSQ0ZFZmtXalBkaWtDRC1WRllwVEIyUTB1ZVhTeHdaakxqb3FuMUkxWHFYQ21EX2d6TEM2clUxZ2dDZVFkdy12REpGYkR2VGl3QzFmaDEtVUhqWFdKbzhPeHI1T2hFeTJYMktBYzd4bUs3WWtoWVNqVnd6Z3lWZXlEbnI0RExldXBUQkJRTFE?oc=5) · Legacy obituary
- 2021-09-26 [Robert Untiedt Obituary (1956 - 2021) - Geneva, IL - Kane County Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRzI0TktBejlXUzBqQkdFMGVxRmNpWXFJWUdlLThnX1N4RmVwUmMxcmJTNUU1STB2Zk9sVmhZMHdBc2VzYThod0kta2xwWWJEWVpLZVJ5eVYtRTNjRkI4ZVh4TFRGYU9tTFJ2R3RrWDVUVEZkd3JxVmZjSy1EcHp3Uk50WkJfTkRLdGljbjJ5U19KUQ?oc=5) · Legacy obituary
- 2016-09-10 [DEWAYNE WILLIAMS Obituary (1944 - 2016) - GENEVA, IL - Daily Herald - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVFR6QlctMHNMSDRad2NiUjZHTXBoR2xPNGpTTjY1c09Tel80azlZX2xWamVpek1uYldqbDJ6OEE1ZDE5S3QyYTJXY2Frc1RPYUthZXJKUXR1ZUhxM3dpbjRfVU5HbVhBb1FBZzRqdDNETHBJRllmNTUtb1lnYVdsVHZKLWRBM050bS1HOGgyRjhYeUMwUUE?oc=5) · Legacy obituary
- 2021-12-23 [Julie Cavitt Obituary (2007) - DeKalb, IL - Daily-Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaldnb290RDZrNE1UTW5YdjZ3VEgtU1AzeU5IdUNkTUZYaEhVaTBIdk9MNUh1eFFuZTJzTWtIYUEzbUhVczd3UWNRdzdWaUt3NE00LXcxc05LS3RpV0d0TXlvRlMwc2I4ai05ZVFnZ05sMEdMcGpWb2FJSVg1azI4Q2RyVUxXUlFIX1ZQSU00M1RkUmtPb3c?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=925 (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/29.json (key "925", 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