# CHEMICAL BANK
DETROIT, MI · FDIC certificate 1003 · asset band $10-100B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $22.46B | |
| Deposits | $15.90B | |
| Loans and leases | $15.89B | |
| Total equity | $2.95B | |
| Loans / deposits | 99.24% (p80 of band) | 93.15% |
| Liquid assets / assets | 20.16% (p51 of band) | |
| Uninsured deposits / deposits | 40.94% (p71 of band) | 34.26% |
| Brokered deposits | 4.93% | |
| Wholesale funding | 19.70% (p81 of band) | |
| FHLB advances / assets | 13.31% | |
| Tier 1 leverage | 8.68% (p18 of band) | 9.91% |
| Unrealized securities loss / equity | 1.07% (p60 of band) | 0.74% |
| AOCI / equity | 1.04% (p30 of band) | |
| ROA (annualized) | 1.32% (p49 of band) | 1.35% |
| Net interest margin | 3.36% (p40 of band) | 3.52% |
| Efficiency ratio | 52.53% (p46 of band) | |
| Noncurrent loans | 0.73% (p69 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p31 of band) | |
| Reserve coverage of noncurrent | 100.36% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 38.56% (p68 of band) | |
| Auto loans | $754.8M (4.75% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $22.6M (1% of equity) (p47 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 3155 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 0 |  | loans exceed deposits |
| 2016-12 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | wholesale funding >15%, capital falling |  |
| 2017-09 | 3 |  | loans exceed deposits |
| 2017-12 | 4 | loans exceed deposits |  |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 2 |  | loans exceed deposits |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | reserve under noncurrent |

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

- 2026-07-31 [Chemical Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5oYTdOSnBpZ1liWmhPRXRjdGlJNXg2VjRGcl9LZlk5YncwVmpBVk83ZDNIMTVjM29FcG43TkxaZEhoc1hsa1kxMHp0bGV6Rk9OV28tWncwTS01UDFTTThMRFVtMHk1LTRuUWxNRXd3?oc=5) · reveliolabs.com
- 2018-07-25 [Michigan’s Chemical Bank to shift headquarters to Detroit - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSjlERzJ4VGFSX0U3NDZubXBmNVpNWEVfRHU5a001R3lPLTBPeDhJbWxudUhaYmhiR2R2TC1XSnpralZsdHk1Rm84d1dyNEVyNFFpU1M0RW9sVkRtMmVJSG04NGRHdEZBNDNYTVdRUEZHbzhxYVJ6d04zNGNDSzlnWW9falE1YkxaYmhSaGdHek1JcThRejRn?oc=5) · American Banker
- 2020-08-10 [Chemical Bank officially retired as TCF takes over - Midland Daily News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNGF2QUFjdkV2ZkIzNkhsOHQyTmtObExfVVZwXzlSM1FMcG15UExVTU9XZHN1SjVlQzM5aFhzRmRoZG1qbHQxT0tZdmlLVnpvN2NSZF9udDlGdnNLNXJDQkE4MThtMTRoTzRpNXgwbjBrbkdMd0NBdFNfMnVVQkRQMjNsZFM3ak5uclNYOG5TdkRMMzlFM0ZDOW5Zc1p5THZ4TW45eHdR?oc=5) · Midland Daily News
- 2019-01-29 [Chemical Banks Merger With TCF: What It Means for SE Michigan - WDET 101.9 FM](https://news.google.com/rss/articles/CBMikwFBVV95cUxNS2RYRVh1OGRYU1lyNXZBaDFnd1dXTVFlMGFCQ2ZjdnRCeXV5TnN6SGEydFpTb2RpaW1GN3VaMzFmMUVZSzhNbDdtcmR3MUExalJjY1dyelk3UDJJNVdydDM5VS1GajMyUjV4b0pFZi05MER3VnFRbV9kd20tV0pGUnJqeEFUSzhwODRveVpCSTJwS28?oc=5) · WDET 101.9 FM
- 2019-01-28 [Chemical Bank, TCF Bank plan merger headquartered in Detroit - The Detroit News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMUZ5b1h5WkJpT1k3TWNOUnJGdWxmaHZpNFp1YVlYWkxNMWdGQjFWa3g5VEZHZ1dTS2FBTTU1RHFtUXR2T2U2am13UFhYcmlaMDRFQThkLXozVjM1dWtiZzYzNGpwSmpsNkR0OGZaQ3RxTl9fYS1RMHk2Rm5ld2xxekQyX2Mzd3BpZWVfZWRjdlN1UUFHSGY4OGVKbw?oc=5) · The Detroit News
- 2019-01-28 [Chemical Bank to merge with TCF Financial Corp., change name - Detroit Free Press](https://news.google.com/rss/articles/CBMitwFBVV95cUxQcjBjS3R0NHpIdlRtUjNDZWplclR0Z2dOYUxUT1M2S3FTdHhHNGd5empyQmhhWWVWZDdEM2Q4UUlSY19aNDBxcTlKRUJEamZmOFd4X0Jya3JiN0Q1RmV1d2ZoQUh5aTc2dDdKZkFnYnVyMW9KVU1lYjU2bmhJVkdXc0RDVDlySWNkbFBzLTNhQWJDZlVSV003MGVla015djFJbzlRbUdIX1JISEFhOG9CbzBHaHJKM2s?oc=5) · Detroit Free Press
- 2020-08-11 [TCF Completes Merger with Chemical Bank - ABF Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTFAwZXgxdlB1X0YzMmZCMVpsUk1JRHpweVAxazkzck9SMDFDX0dGOVdGMTE1Q291WmFlNXV6c3FQMXVGa2xYUF8wVmgzZ29IV09jWkQ4emZPN1RCbnA2RjU4aXh0RHJQTHg5cDJXZmZOSHc5MVNvRFE?oc=5) · ABF Journal
- 2016-01-26 [Talmer to merge with Chemical Bank - Times Herald](https://news.google.com/rss/articles/CBMiqgFBVV95cUxORXlyRjJ4VzkwcTZGcnBlMTFfVnREbVB6U2NkYnByS2drZEVaX0phSkFvNnNzLUM0NndsOGk2Z1Q3TjVETVJzamkwbXhYcTNZNV9UU09LLU51Tk8zQ1RpYUQ2US1BaFh1UnBGRUwyeFY4MzVXYm9BRTRmT3oyM2N2aVpyLWV2RHA1YUdzdWNSeFZZeVluR1ZYdGtKcnpDSm1Fd1VQbUhFYWtTdw?oc=5) · Times Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1003 (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 "1003", 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