# GLENVIEW STATE BANK
GLENVIEW, IL · FDIC certificate 12406 · asset band $1-10B · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.44B | |
| Deposits | $1.30B | |
| Loans and leases | $430.4M | |
| Total equity | $124.1M | |
| Loans / deposits | 32.43% (p3 of band) | 77.14% |
| Liquid assets / assets | 66.94% (p97 of band) | |
| Uninsured deposits / deposits | 20.36% (p21 of band) | 31.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.36% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.35% (p4 of band) | 9.50% |
| Unrealized securities loss / equity | -1.07% (p16 of band) | 0.85% |
| AOCI / equity | -0.19% (p74 of band) | |
| ROA (annualized) | -0.59% (p0 of band) | 1.25% |
| Net interest margin | 0.21% (p1 of band) | 3.24% |
| Efficiency ratio | 163.35% (p100 of band) | |
| Noncurrent loans | 1.03% (p80 of band) | 0.42% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 179.99% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 0.06% (p4 of band) | |
| Auto loans | $104.7M (24.33% of loans; DQ 0.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 137 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## 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 | 1 | NIM <2.5% |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | auto book souring |  |
| 2015-06 | 1 |  | auto book souring |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | NIM <2.5% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | NIM <2.5% |  |
| 2020-06 | 0 |  | NIM <2.5% |
| 2020-09 | 1 | NIM <2.5% |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 4 | losing money, expense ratio p90 |  |

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

- 2025-03-30 [First Busey Corporation Finalizes Acquisition of Cummins-American Corp. and Glenview State Bank - fintechfutures.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNREw5VXlKLTJfeTV0SU5mMzJIYjVHZnVtOUh4WHV0Z3I0ZzloUkpGckZKaWRzb2piWVBEM2h4bS1Xc3otdGRyRGRuWVRzUUZMeTUteXo1cUx6LUNpbGZ5RGZQNWcydkpUM0dmanh5NXprZldoSFZsaDNUc3YyVHI5ZXEzakJMY2VtM2JLX0lmUE43VGxRc0doY1ZCaVcwRkFNVGRWU2RnZEZ4TFFpRGN6Z05tdW4zZnZPcl85RlJ4eEFxdG5IakJJOUFHbmZPZmJORDVib2Q2cw?oc=5) · fintechfutures.com
- 2021-01-20 [Busey Bank Cleared for Glenview State Bank Merger - Banking Exchange](https://news.google.com/rss/articles/CBMiowFBVV95cUxNb0VFSW1DcWdtaDhsSG9wSmVhZENyLTVZSzNnU21fanNCT1VFcURwOGh5RTBXY1Z0RUN4WDBDQU9RbFVlSnRPWFhVRDlONWpvSUtpeWhZVDNtNmxkRm5fNnBKaUxkNHljZl9mNEJsb1IxZEZ1VC1Dc1J2cWM3OVgzVEd4TkFveWFPTWotUnB3eW0tV1ViVFJwLVVDazFvM2dQRlpF?oc=5) · Banking Exchange
- 2021-01-25 [After A Century In Village, Glenview State Bank To Become Busey Bank - Journal & Topics](https://news.google.com/rss/articles/CBMirAFBVV95cUxOb21EOWFKZFhMRHFNV2F4Rzh2bHVnM0NxZ3FjWWZvdHBwLWFEM21QZGgzajhZNzJWRnphMGFITDFIZ3RxYjk1c25DSVlDazdwb0xRQk94XzV3aUx5dHJsSzBFZ2o0SmNhSU5yVjVtaDFEY21qLUUzdUdLT1RsWnhCZU4ybGV0R3oxT1VheUVfS2tYYy0tTjdmV1BQTnZIUW0xa3Nydk9NcWtVM3B1?oc=5) · Journal &amp; Topics
- 2021-01-22 [Busey Bank Acquires Glenview State Bank In $191M Merger - Patch](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNVhHQ2pSdEFRWFNsNzd1bG9wejdjNkxJaGQ5SFZhNW9DNWEzTWRZbVFjRkR4VldDNTBKOUdsZVZIU1hYbFNZeW1IQmhoOGNxSlZZck9fZkdQUHd4bnYzSnA4Qk53d0V1RWQ0UVdodGlXdVBOZE44VkdkRmg3dFFMam9TSUtNa0w2VUVhNlFOeU0?oc=5) · Patch
- 2021-01-19 [Glenview State Bank sells to Champaign-based Busey for $191 million - Crain's Chicago Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxNUTk5ZUx3U3RfQl83RzNhbjdsdlpMRnI2RjJmV3ZiOFJpOGhfdFdSZUV0Q3diazJFU1Nla2xEMk5NajZtYXhscDgzLVM1X0xkSVYySUFrZmJnN2I0YUxkb3Y3eW1MbUU4Y2diYmRjNHV2Qm5pWnRNMWQ3ejczUFFoSXJjRUd3bzNiQ082NXJ4YVJXSEp0aHU3OVc4YUFhalNKZEFqRkdWNExzazlr?oc=5) · Crain's Chicago Business
- 2013-12-20 [Obituary: John E. Jones, 86, Glenview State Bank Chairman - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxOdGtCa29hX0duMl8xVk9BdHJIRXlJTVlGZWNjRkVGUlJhb2FTczdiMHVCXzZBVGVjVnllZzZZSmVFSWpQTFR2UjMxUnJMRTBKNVE5dWptUFJOZEtFUzVpWENnMnlkWDAtRDB1b3BCdUNTVVhacVNOUWxicGZFUlNpeHlvMnZoUExrbnh1b1Jqa3NQOEE?oc=5) · Patch
- 2005-04-06 [Wells Fargo’s Remote Deposit Capture - Finovate](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1DTHJRNDltRlJPbDRFa0VRZlh6QVpkNUdaLTNjbzJJMzJENzNsOHd6WEUwWkFXSjc4M0xYLW5Cd2JzNUFIcU1kRTEtY1pfZlYtZ1dlVmVZalpHX1c5LUxpa1J6R3BJdGs?oc=5) · Finovate
- 2014-01-03 [Glenview 7th Grader’s Effort to Help Teacher Inspires Big Donation - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdzZnTk9UOVZQYU51QXJqdXdWbWc0Qkgwbk82ZFMzeFA5LWJuUmRvQTNWMnJDV2FzZjB3SF9RTFRMNjlFZ25KTWdJeTRadmlkTVFqdTF2dy1XdGljQTBzOUQ1VzVNQXRYeERNdG9Sd1ZRbkF4NGR5eUZZbk1oazJLMVZGREkxRWpBVEFQN1FuRWhXcVUxcUJJeUJ0U29fVkNfdHN3?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12406 (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/54.json (key "12406", 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