# VILLA GROVE STATE BANK
VILLA GROVE, IL · FDIC certificate 9273 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $85.9M | |
| Deposits | $74.7M | |
| Loans and leases | $55.7M | |
| Total equity | $10.7M | |
| Loans / deposits | 73.33% (p50 of band) | 73.59% |
| Liquid assets / assets | 34.67% (p55 of band) | |
| Uninsured deposits / deposits | 27.31% (p75 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.19% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.22% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | -1.42% (p73 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.17% |
| Net interest margin | 3.97% (p52 of band) | 3.93% |
| Efficiency ratio | 54.45% (p22 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 18.85% (p52 of band) | |
| Auto loans | $733,000 (1.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | assets shrinking |  |
| 2017-03 | 0 |  | assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 0 |  | charge-offs p90, deposits shrinking |
| 2024-03 | 2 | deposits shrinking, assets shrinking |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | capital falling, charge-offs p90 |  |
| 2025-06 | 0 |  | capital falling, charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2024-06-27 [In Villa Grove: splash pad opens, community center traffic increases - The News-Gazette](https://news.google.com/rss/articles/CBMigwJBVV95cUxPLUlFQ2duWElobnVmR2JSRnBxbWM4ajRZWDVWdzBLbmdnS3RLQlZ6NkJkcXVBSU50QkRTQXdMZVYyeWhRUWlkVWhNTWZGLVBxdHpja3Qtb2Q1alZ2NFpJX3ByaVhTQTIzdWg4bGVwcnVsNUs4d3NyQllMcmlpV2JPRWN3ZVA3WWJCSHhUNzB4c2JlUDZEZjhkVFpEZ2xxam1OUVF4SG9iQ0lHTW9rT3FhZ0Q0UVUzV1lya3lKLWFNc1RwYkUtaUpwNFNsbWxTU0VLcUlSb3RkS1VCNU5qRkFVQnphQnQtbUx3RWpNZ3VTWXJ3YXFWVGxFYnpQbFAxMmFmTktz?oc=5) · The News-Gazette
- 2023-05-16 [Rebecca Olson Obituary (2023) - Champaign, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxONll2VGctZlFVckhwMnV5bExhMXh2VzFSbF9uYXpTbE9oaGZ2dGlsOWtHZlZrOUhrcW4wdW0xbWNvVjgxWEpWZTJJMTNGWkllT1VvTno1UWVlYkFDLWpFMmxqZG1VdWxCY2hlN3lUNFdLV2FEeHNHRUVlTlNvR2Q0WTVjb001dklFbGg1OFRVcmluWEk?oc=5) · legacy.com
- 2024-12-20 [Google Wallet supports 16 new US banks now - androidpolice.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNclpKM0FwMldQeUU2d29DMEp1UExpNmdVU0FsTHpRVnVhcW9Kb2pYTDZnV0QtTGlDMWhLcUY3X245bkRWSVU4OUlMM1RrUXZmV1dDU0lsS0RuaFA2WXZFMjJON055ZHprSmV0Z0dhT3A2a1hjdmhZbTV6OXVJLXFnTy1BMXg4Sk9oQldn?oc=5) · androidpolice.com
- 2023-05-17 [Rebecca Olson Obituary (2023) - Villa Grove, IL - Daily Journal - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdk8yMFhobEQxWHlwV0xKaXZTN2xEY0owOWhOZ1ZOQ3FURFJELXNJb3FUN0pVWWZOZlR2bkR2UmFDNGx0TWpoU0FMQnNmN1pZQnVYdkVmSmJaZFYzNjBJazl6M3lGTFJJbTdtYVBmMWNJaFBDM3JzMmhnU3JtOF9xby1KXzhlYjlSZ0JDRGpqaGp1ZnBC?oc=5) · legacy.com
- 2023-01-24 [Bernice Chambers Obituary (2023) - Nashville, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN1g3WEhCZm1QaVdaSXVtQ0VqV0pNTUpzM0N2YWRtNE5PNlRweFdubXNDaEFFTkJld3otNDM0TVFqUTNVY0kyQ0xBdW1DTlV1MjRNUTg0RFhpMXFSaHFRVm1GeFp0NHNzVEVDWjVXRVhQU0RBaVQ2Rm9NWi1wQ1dnMTRQZUROS2laWUZmeENNVm94R0Q2Y1BJ?oc=5) · legacy.com
- 2026-04-15 [Cyrus Nichols Obituary (1933 - 2026) - Newman, IN - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQklqVGdUWVZMWVJKbERpMWt2aXpMcUpjZDZHSjBkOXpPZEhTLWJSVVpMUGotamgxM1ZyY2FhVU1CQU9vZDN2d01sN3hfMVRZSm5FOTk4ZFVnNW1vclRROHVPcngzTEF1eFB4bFpSdnVHb0FmNHlmVkE3YXluZlc0eVhzWGFURHBLNUFpY0hSY1FyaTA?oc=5) · legacy.com
- 2024-11-28 [Mary Hays Obituary (1942 - 2024) - Maple Park, IL - Kane County Chronicle - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMG5SN1E4RkNhYWI4M3loQmFTMFpCYWZ6RFB6NzB1dGItRkptV1RlMGluWG94T2I2U0EwUVZYdmFXaEk4Y2doM2FBbm5uakp4S0IyQnhYRGxFUXJoaDJZRlZlWERyVmRzeUhKRFBrZWNFWjI5M0UzM3NWSXN1TEkyR01SMjgzRlF4aDVTTg?oc=5) · legacy.com
- 2022-11-23 [Scott Hatchel Obituary (2008) - Champaign/Urbana, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSWtPd3FXTjA4YlJLVHdBRVhzeVZjRmI0b0puVkswRWtVVERBUDZOY2R2bGRnMUMtbmF6T1NReVZSUlFzeEF4UXcxTHNDbUM3Q09YTXhsbnNTckNWTk8ybnVUa2hFc3ZteEVHTURoOG01T3ljZkpfU01NSm15V3g4elB1dVZMbmNYalkwRTBqQktfNzQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9273 (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/57.json (key "9273", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide