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BDI
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Kinmundy Bank

Kinmundy, IllinoisFDIC Cert #3805

STATEEstablished 19021 branch

Holding company: SOUTH CENTRAL BCORP INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
2.93%
+74.7%y/y
Peer standing14th percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.34%
+57.4%y/y
Peer standing19th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.32%
−16.3%y/y
Peer standing44th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
0.65%
+10.5%y/y
Peer standing43rd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.54%
−16.8%y/y
Peer standing34th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$413K
−8.6%y/y
Peer standing29th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.14%
−49.8%y/y
Peer standing13th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
$17K
−46.9%y/y
Peer standing10th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.82%
−3.4%y/y
Percentile by value17th percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$1.43M
+86.9%y/y
Peer standing9th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$165K
+68.4%y/y
Peer standing14th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$154K
−10.5%y/y
Peer standing35th percentile
Peer standing in asset:lt_100m
FDICNAASSET