# RUSHVILLE STATE BANK
RUSHVILLE, IL · FDIC certificate 9265 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $134.8M | |
| Deposits | $118.9M | |
| Loans and leases | $56.7M | |
| Total equity | $14.0M | |
| Loans / deposits | 47.11% (p17 of band) | 73.59% |
| Liquid assets / assets | 55.30% (p83 of band) | |
| Uninsured deposits / deposits | 17.75% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.32% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -45.48% (p7 of band) | -6.57% |
| AOCI / equity | -2.52% (p8 of band) | |
| ROA (annualized) | 1.78% (p79 of band) | 1.17% |
| Net interest margin | 3.40% (p25 of band) | 3.93% |
| Efficiency ratio | 50.82% (p15 of band) | |
| Noncurrent loans | 0.19% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 600.93% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 0.66% (p20 of band) | |
| Auto loans | $832,000 (1.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.9M (14% of equity) (p99 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## 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 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving | capital falling |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | uninsured deposits leaving | capital falling |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, reserve under noncurrent |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  | NIM <2.5%, capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2023-09 | 3 | AOCI drag >20% of equity, assets shrinking |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-05-22 [1870 Holdings, Inc. and Rushville Bancshares, Inc. Announce Merger Plans - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMingFBVV95cUxPSXZ4SHNsTmg1RnV1T0VSenlTTjMtUTRxeGRfS2ZvS0doMUYzYnJYNGFJbjFBZVdSbFZfVlp2VlhTWll6T0hwb3U4WnRlclByTnZNZGNGOU96NDFDUnFrc3JxdjQzX095LU5lcGt5dU51ajE4S1VKa1pQOWs5Y2FBN2U0b25qMS1oMVdvc1VxV3JFZnJyTVBKb1dxQlhJdw?oc=5) · Radio Monmouth, IL
- 2026-04-23 [Rushville in party mode for 200th, 250th celebrations - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMingFBVV95cUxNZjBoOXo2RzhIb25SZjVTSVhYcWFvWVRGUFozQjRRTzVFS3N5cjBTcjBlRXJ6OEpqUFFLYnRHbUVoZXlESEZUSVZHemotekR4cXJURkF1OHJySGE5THZIRFNjVXBMTUdkdloweEUtVXZuT2paaC1JclBJQzNqcWtUT1djYmxWdy1YS1lOMVNBcG13QklhSF82TG9JaWtIUQ?oc=5) · Jacksonville Journal-Courier
- 2021-05-03 [Emma Mcgovern Obituary May 3, 2021 - colwellmemorialhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5MRVFCREdFOHNYU3BoLXpFc1F5T2tsR3FCUU5NYkhpc0phRTNBTTZ6bU9RWWlheVJCQ2VLRXJ6Sy0tMl9jbzlQVHFFRmVUOE84SkY0TERTd0VxRjZ1MEdsZHBuWHVJcXI3ZFNqdQ?oc=5) · colwellmemorialhome.com
- 2024-03-13 [Neighbors hold vigil for 5 killed in downstate Illinois school bus crash - CBS News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPNzJiVU10MndYOFR3UmphTmFiUkV2c0FRdUI4ZER5WGhQdmd6R0hUUHF5bVdfRU5LcHdEek0tQVhRMmRHX2FfS2c1YUM3T0JKN01KdHhCcjFjdFNmZkkzSHQwRURJN2tZUDdLUGtrb09YMURBY1FIUm90YkthbFoxZktpMnB3d9IBiwFBVV95cUxQZ1ZPZDkyNWtZYmNURjN5V2V3anNmU3gwUW9UQ1E1eEpTT2JWT0REbXFXRjFPRXdFanFQYjNDaC1CanI0dTJvWndTNE5sQXBfMWZFOVNKNjdEWkFqZjNsZzhNaWtuc21IcWVtb1hfbWt0TUExcDA1RUZoN2k0SmdlNFhIcVBoYWdzbjBJ?oc=5) · CBS News
- 2024-09-24 [Van M. Adkisson Obituary Sep 24, 2024 - McGuire & Davies Funeral Home and Crematory](https://news.google.com/rss/articles/CBMidkFVX3lxTFBCeWZneFhoR0txcVpkTm9jeXBSUDlKYzBFZWEtc0MxV1UwRTRzZVQ1T1JLRnFBVW5xS29rVWdkQkxHeGhaMUpqTG5VQk01UUxWODAzdFJqYks3ZjNJX0s0Z1dteXlEb0hOYVNLWXRpRHVaZW8wNlE?oc=5) · McGuire &amp; Davies Funeral Home and Crematory
- 2013-09-15 [Longtime Rushville doctor to be honored with statue - The State Journal-Register](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOOVR2dDZ5b1NVLWNLX2toZ1FwV1JpbHYyRnd2SVVkTE1UQndvOUFlOUEzVGp0OU1pYWQ2blYxZ3pFMU9ud2tmQUViejZFNkhPS2NmckZRTTJHZ2hxWjFJblMwRHp1NU5FdE9jcDFuMkljLXY0WXBsODlGOEdIQ18tZ1dBUnB6YU9MVlRpTVFkOFZScUc1U21fX196WEIzdlUxTklHNDVQUnJWUmM?oc=5) · The State Journal-Register
- 2026-06-10 [Midwest Bank Expanding to Ninth Location as Parent Company Pursues Acquisition - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWTVLZDlxUld3WUl3MDFUTUxhNEs1Qm9XajBIbmFwaGFMZDZrX0U1YWxubVhxLVF6Ukp1ZG94OFZkTVF3aVhoTXVtNjJhQUNOLWZ6QkRZMWZiYk5YYng0QnpHS3lEUzNLU21VeW9QbHVBWE1naThxQkctMC1WS2l0SHRZRmNlUWU5M3lmZXVLb0hYVHVCWEcwN25uMU1LZjlaSVhhWGQwT2phRmc?oc=5) · Radio Monmouth, IL
- 2012-10-07 ['I still feel like a small-town girl': Miss Illinois stays true to her roots - Rockford Register Star](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNOGZ5RTFXWXlsb0F2VlQtdmVkRVJTQzBvYWRVUTdBSVRSWEtEU0VYUkVVbEJqRDBScmVQZFRjQjNFZjhzRHNBeGpLRDM4Y1M4UWowQ3RiTFY0R3FmVE9ITWg2MkZ0S2l6aW1ySFpBdTh3dThrNWdhSGljYjVjb0JpeGJaR0VNa2dH?oc=5) · Rockford Register Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9265 (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/49.json (key "9265", 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