# STILLMAN BANCCORP N A
STILLMAN VALLEY, IL · FDIC certificate 9263 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $645.6M | |
| Deposits | $570.9M | |
| Loans and leases | $303.2M | |
| Total equity | $49.7M | |
| Loans / deposits | 52.60% (p7 of band) | 82.04% |
| Liquid assets / assets | 51.35% (p93 of band) | |
| Uninsured deposits / deposits | 20.34% (p30 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.21% (p48 of band) | |
| FHLB advances / assets | 1.65% | |
| Tier 1 leverage | 9.20% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -21.31% (p21 of band) | -8.10% |
| AOCI / equity | -1.33% (p16 of band) | |
| ROA (annualized) | 0.79% (p21 of band) | 1.28% |
| Net interest margin | 2.78% (p6 of band) | 3.91% |
| Efficiency ratio | 75.67% (p83 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 145.89% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 32.87% (p40 of band) | |
| Auto loans | $1.3M (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 113 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 2 | capital falling |  |
| 2012-03 | 2 | NIM <2.5% | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | expense ratio p90 |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | deposits shrinking |  |
| 2014-12 | 3 |  | noncurrent p90, deposits shrinking |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 2 |  | expense ratio p90, capital falling |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | NIM <2.5%, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | capital falling | NIM <2.5% |
| 2021-12 | 2 | NIM <2.5% |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | assets shrinking |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | assets shrinking, deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | capital falling, expense ratio p90 |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 |  | expense ratio p90 |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | NIM <2.5% |
| 2026-06 | 1 |  |  |

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

- 2025-04-05 [Property transfers for Lee, Whiteside and Ogle counties for March 17-30, 2025 - Shaw Local](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNTHR3VXBYb29FR3RyTU1NdjNZdzFPai1rMFE1eEhQZkw1QTVtZk9ucEpMeVI5QlBLbmluR0RPS19pTllfNWJuLUV1ZWpEZFpiaXQ5QUlleG5LT2E3WTdIVjBUOFNDbG9qNmtWc2xBaGZ6dE5pY1lvN1RXbGsxX2VfQ0RPaVZhcy15bHFqaVZTcWhEMktUQnJ4d05wcGRrdEhXc3hkdGtsYm1HRGJTWFlqOGt1STNJRFgwMW05Q3dKb1VYSThRWEZ3bDJxMmp2TUNYREc4WHBoVQ?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9263 (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/47.json (key "9263", 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