# FIRST SECURITY T&SB
ELMWOOD PARK, IL · FDIC certificate 17224 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $313.4M | |
| Deposits | $279.2M | |
| Loans and leases | $156.7M | |
| Total equity | $32.5M | |
| Loans / deposits | 55.48% (p12 of band) | 80.20% |
| Liquid assets / assets | 48.48% (p90 of band) | |
| Uninsured deposits / deposits | 66.33% (p99 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.73% (p80 of band) | 10.44% |
| Unrealized securities loss / equity | -26.05% (p29 of band) | -13.25% |
| AOCI / equity | 4.52% (p89 of band) | |
| ROA (annualized) | -0.08% (p3 of band) | 1.02% |
| Net interest margin | 3.43% (p44 of band) | 3.54% |
| Efficiency ratio | 102.10% (p97 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.34% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 2052.87% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 13.78% (p17 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -19.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | charge-offs p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | capital falling |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 4 |  | losing money, capital falling |
| 2012-12 | 5 | losing money |  |
| 2013-03 | 6 | uninsured deposits >50%, capital falling | charge-offs p90 |
| 2013-06 | 6 | charge-offs p90 | losing money |
| 2013-09 | 8 | leverage <7%, losing money |  |
| 2013-12 | 7 | deposits shrinking, assets shrinking | uninsured deposits >50%, capital falling, leverage <7% |
| 2014-03 | 6 |  | noncurrent p90 |
| 2014-06 | 5 |  | reserve under noncurrent |
| 2014-09 | 6 | uninsured deposits >50% |  |
| 2014-12 | 5 | capital falling | deposits shrinking, assets shrinking |
| 2015-03 | 0 |  | expense ratio p90, charge-offs p90, losing money, uninsured deposits >50%, capital falling |
| 2015-06 | 1 | uninsured deposits >50% |  |
| 2015-09 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2015-12 | 2 | uninsured deposits >50%, capital falling | deposits shrinking, assets shrinking |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 1 |  | uninsured deposits >50% |
| 2016-12 | 2 | uninsured deposits >50% |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | capital falling | reserve under noncurrent |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2020-06 | 3 |  | reserve under noncurrent |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2021-03 | 4 | capital falling, NIM <2.5% |  |
| 2021-06 | 4 | expense ratio p90 | capital falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 6 | capital falling, noncurrent p90 |  |
| 2022-03 | 5 |  | capital falling |
| 2022-06 | 6 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2022-09 | 4 | capital falling | reserve under noncurrent, NIM <2.5%, noncurrent p90 |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | deposits shrinking, assets shrinking |  |
| 2024-06 | 5 | uninsured deposits leaving |  |
| 2024-09 | 3 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 4 | uninsured deposits leaving |  |
| 2025-03 | 6 | losing money, expense ratio p90 |  |

## 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=17224 (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/8.json (key "17224", 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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