# CITIZENS FIRST STB OF WALNUT
WALNUT, IL · FDIC certificate 939 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $53.4M | |
| Deposits | $50.0M | |
| Loans and leases | $23.0M | |
| Total equity | $3.4M | |
| Loans / deposits | 45.49% (p23 of band) | 63.45% |
| Liquid assets / assets | 56.24% (p79 of band) | |
| Uninsured deposits / deposits | 9.47% (p11 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.09% (p1 of band) | 10.74% |
| Unrealized securities loss / equity | -0.06% (p94 of band) | -26.93% |
| AOCI / equity | 3.12% (p100 of band) | |
| ROA (annualized) | -3.55% (p1 of band) | 0.89% |
| Net interest margin | 2.96% (p35 of band) | 3.22% |
| Efficiency ratio | 223.65% (p99 of band) | |
| Noncurrent loans | 0.00% (p26 of band) | 0.22% |
| Net charge-offs (annualized) | 0.36% (p99 of band) | |
| Reserve coverage of noncurrent | 27600.00% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $509,000 (2.21% of loans; DQ 3.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | expense ratio p90, charge-offs p90 |
| 2011-09 | 5 | charge-offs p90 |  |
| 2011-12 | 4 | expense ratio p90 | noncurrent p90, charge-offs p90 |
| 2012-03 | 5 | capital falling |  |
| 2012-06 | 6 | noncurrent p90 |  |
| 2012-09 | 5 |  | capital falling |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 | charge-offs p90 | losing money, expense ratio p90 |
| 2013-06 | 8 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2013-09 | 6 | capital falling | expense ratio p90, deposits shrinking, assets shrinking |
| 2013-12 | 6 | deposits shrinking, assets shrinking | noncurrent p90, capital falling |
| 2014-03 | 5 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2014-06 | 6 | noncurrent p90 |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 2 |  | reserve under noncurrent, charge-offs p90, losing money, noncurrent p90 |
| 2015-03 | 3 | losing money |  |
| 2015-06 | 4 | reserve under noncurrent |  |
| 2015-09 | 5 | uninsured deposits leaving |  |
| 2015-12 | 2 |  | losing money, reserve under noncurrent, uninsured deposits leaving |
| 2016-03 | 3 | losing money |  |
| 2016-06 | 3 | charge-offs p90 | losing money |
| 2016-09 | 3 | deposits shrinking | charge-offs p90 |
| 2016-12 | 3 | assets shrinking | leverage <7% |
| 2017-03 | 4 | uninsured deposits leaving |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2017-12 | 1 |  | deposits shrinking |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 3 | losing money, expense ratio p90, NIM <2.5% | uninsured deposits leaving |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity | losing money |
| 2022-09 | 5 | leverage <7%, losing money, charge-offs p90 | NIM <2.5%, AOCI drag >20% of equity |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=939 (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/43.json (key "939", 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