# ABC BANK
CHICAGO, IL · FDIC certificate 11694 · asset band $300M-1B · latest filing 2018-03 · 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 | $334.3M | |
| Deposits | $251.1M | |
| Loans and leases | $238.0M | |
| Total equity | $39.9M | |
| Loans / deposits | 93.07% (p71 of band) | 84.92% |
| Liquid assets / assets | 26.60% (p60 of band) | |
| Uninsured deposits / deposits | 25.60% (p65 of band) | 21.35% |
| Brokered deposits | 6.28% | |
| Wholesale funding | 18.81% (p88 of band) | |
| FHLB advances / assets | 10.30% | |
| Tier 1 leverage | 12.39% (p82 of band) | 10.35% |
| Unrealized securities loss / equity | -6.13% (p16 of band) | -2.32% |
| AOCI / equity | -2.31% (p25 of band) | |
| ROA (annualized) | 0.83% (p30 of band) | 1.05% |
| Net interest margin | 3.72% (p53 of band) | 3.67% |
| Efficiency ratio | 72.55% (p68 of band) | |
| Noncurrent loans | 2.11% (p91 of band) | 0.55% |
| Net charge-offs (annualized) | 0.40% (p96 of band) | |
| Reserve coverage of noncurrent | 86.09% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 43.86% (p53 of band) | |
| Auto loans | $127,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2013-12 | 4 | noncurrent p90, deposits shrinking | wholesale funding >15% |
| 2014-03 | 2 |  | charge-offs p90, deposits shrinking |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | noncurrent p90 |
| 2016-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 4 | wholesale funding >15% |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | deposits shrinking |  |

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

- 2017-12-27 [Old Second National Bank parent plans to acquire Chicago’s ABC Bank in $41M deal - Chicago Tribune](https://news.google.com/rss/articles/CBMivgFBVV95cUxPcC10UENvcFFWdWFLbEVvRzFxazd1YnJvWmhFZnZLU0NQaWxEc09HNk1za1Jub3ZNTnhrTVhyOVlWdS1TNUR4S2FpZHNBc1FjYlZYWWJtdlpJY2FfRThmb3l5M2s2NTdFZU9uTjNPeDVZaUxCc1JxSWJHZ0xvSVJpMWp0dUlNN0NaYU9LUG1vT1ZmRUpsUW9xSjdpb2hLV0FmTkFPSm93S3VpNmV3SC0wZmlud29fTmRLYWJ1eTZn?oc=5) · Chicago Tribune
- 2018-01-08 [Galewood-based bank could get new parent - Austin Weekly News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTnd5eFU5WXJxb3Zza3ZIODg2SHI2amVnR1p0SGdGQVQ1RUhaeTJUZ3RkNHhjdlYycWVuazZWRHRYbkY5ZXFvbnBpWVZORUJRUWFrR1pQNDdjNDUwNDFndEhjWGNYaGxKeHNqeFdlVVlvcHZsd1FsVUFZNEhJdmZLZXY0RS1NRkFqd1h5Ynh3?oc=5) · Austin Weekly News
- 2014-12-12 [FBI Seeking Information About Serial Bank Robber - fbi.gov](https://news.google.com/rss/articles/CBMivgFBVV95cUxQTzA2VU9LcFdNVF85V1o4bEhZVXp0WmZFdjBJSDVYSmp1eDRtR3ZST1RKMmVkTUFvRWRCWi1jNGREWHZlODFOWWc4b2tpSE5JMnVJS1kxYWlrU0RQWnJlQjlieHZHekJERFJPNTFIeWgyd3BweTlaVWNJMDlwNDJwd3pWcXVWdjZMSnNrTU9BeTl5TWFvbTF2UzNNeGdqVGs0RV93TU5SdG43Y3NuMEJhcjgwem9zVTJvUk41VmZR?oc=5) · fbi.gov
- 2015-08-25 [Amid feud with state, Chicago studio pushed into bankruptcy - Crain's Chicago Business](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNS1BVWUc5anBVUXlDdTFjOTh5Qk4zQ3JjNzRnLTVlVXVFb0kxMVd3ZjFYeW5BV2RlS09HNGh2R2tfbG1fSW91VWhHZVBHQTVoVm9PWEx4TWhxWlFpbmxtSWNRUF9aYXVPT1IwenJHUFlCWjQxQi1aWWpfdDBTcXA1eF9mTmtPd29IR1RNazRJMlZFZlFQaGpjN0FvNEd5bmRiY2hudkx4UURLQkw3YmFvOFl2RE94a1U0N19LZl9GaHhuUQ?oc=5) · Crain's Chicago Business
- 2015-02-13 [“Play-Along Bandit” Arrested After 10th Bank Robbery Attempt - NBC 5 Chicago](https://news.google.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?oc=5) · NBC 5 Chicago
- 2026-02-15 [Volpe helms Casa Italia at critical juncture - franoi.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5jNnV2S0VpMlVwRDVHZnVGSV95a1docC1DQ3VnUElzNUlZeEdwSXE0c0duWDEzVmREUnJhU1VYa0JYRlRWSmhULUlFRHl0QzZkRVBjT1JNQmJjNk1xaUxnM0NYa3ROdVNneklFdzltQnhNQUR0bnFxekY1WEMzdw?oc=5) · franoi.com
- 2005-06-29 [ABC Bank helps Tabitha House offer shelter services - Austin Weekly News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNW1MUkd0bHJyNDNpREt4NDF2Z210UEx2MHpiUl84ZGQ0T19IV3cwYUlKVUx3R2RsaGNKOTBNM2NDSk52bUc4aEN1TnZrVWo2b0JSOW40NW5oeXg1VVFScl9EWTBnbWg0d1d5Vll6NTBRYzI1TGFnbkd0b0xzaURvd09NRzRyNGV6LVB1X1ZHa2hjNjc2ZEFOU1BaMjM?oc=5) · Austin Weekly News
- 2024-06-13 [James Sloan Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMia0FVX3lxTE1DVTMwRFdoLTFiZTZBU2ZIZDVQNExSX1duelRrZ2h6THBTSGdVYXhDaXZwZ3E5X3Rkd0sybnVYb29sdW51T0tZTS02anBKMWVGWkVUVEYxdnF4X2hBaDFLQTlqYUhNdzlNajdr?oc=5) · Chicago Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11694 (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/46.json (key "11694", 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