# OSWEGO COMMUNITY BANK
OSWEGO, IL · FDIC certificate 17899 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $193.9M | |
| Deposits | $180.1M | |
| Loans and leases | $83.5M | |
| Total equity | $12.7M | |
| Loans / deposits | 44.46% (p16 of band) | 66.54% |
| Liquid assets / assets | 53.14% (p78 of band) | |
| Uninsured deposits / deposits | 25.92% (p90 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.52% (p3 of band) | 10.04% |
| Unrealized securities loss / equity | 14.84% (p97 of band) | 2.48% |
| AOCI / equity | -0.89% (p21 of band) | |
| ROA (annualized) | 0.04% (p12 of band) | 0.72% |
| Net interest margin | 3.15% (p28 of band) | 3.55% |
| Efficiency ratio | 70.73% (p41 of band) | |
| Noncurrent loans | 12.46% (p98 of band) | 1.19% |
| Net charge-offs (annualized) | 0.49% (p91 of band) | |
| Reserve coverage of noncurrent | 32.72% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 29.32% (p67 of band) | |
| Auto loans | $56,000 (0.07% of loans; DQ 23.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.3% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **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 | 3 | leverage <7%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 3 | noncurrent p90 |  |
| 2012-06 | 6 | leverage <5%, losing money |  |
| 2012-09 | 4 |  | leverage <5% |
| 2012-12 | 4 |  |  |
| 2013-03 | 7 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |

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

- 2022-04-23 [Theodore W. Ziegler Obituary Apr 23, 2022 - Tezak's Home to Celebrate Life - Tezak's Home to Celebrate Life](https://news.google.com/rss/articles/CBMibEFVX3lxTE9ucW1RdEk4RC1qc25QTl9zZm43MG8teVVjem1PbEJuek1STk1NZE5reUhxSldSQ01Edkt3bURJQXQ5aXA3dXQ1c01TdHlwYnlWT1hfeFVZYUYzX0MwX2FCdUJWQ0oyRXZVdjBIZw?oc=5) · Tezak's Home to Celebrate Life
- 2024-12-13 [Jefferson Street In Oswego Will Honor Zentmyer Family's Legacy - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdXBHaUdwNDQ5VmVOb243YlNMc1VzRE90SGRrNmYzX0xpWGhfc0QwYTlEdXZzT1VodkxhSHhyMTdwaHdFRkwzamRqQ3U1ak5kbG13eHowMm44REltSXZwN2dQWmxEeXNsTkZfU3huT0otZDhfeGdnR2d4RUJJTzQxczBKSEROWkNrb01YRUNWLXB1WXhBdVo4?oc=5) · Patch
- 2024-10-03 [Doris Hayton Obituary (2024) - Oswego, IL - Kendall County Now - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNYjkyN3ZEWGpwWFFFSThIYndpVDAweVVXbTZQNXllaTNyeEVPek8wcEdWcXNVcEhPLTgwZG9ZaHJDNEFQXzkwRkliVXgwN3IyZ0ZSR3h5UnVnUWh5YVpqYWp5X1NsQnBaMmxxLVltV1Q3RlFlZHJnRzBEM2ZTLWJvMG45RlQzdW8xZ2RTSy14dzNFZ3pBOFVn?oc=5) · legacy.com
- 2025-05-10 [Earl Zentmyer family honored with street dedication in Oswego Thursday afternoon - WSPYnews.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPLTlWNDFwcTFoTmMwX043R1JuZ0ZYLTFnYUVjMFpUeEtOdkVEa3pKQlFEekdMV1pkU08wU2wwUXh1RTREbjhGTVlsS200dUhtaWdFZGtkQ1IxaFV2TTFYbF9ZMkhSS1VoWVQwZy1feU92bERNZmRrSDhQRy1vdmUybVVKZTNhaUZFOHh2UlVRWlhsRV9xU2VCQXV2S2JqN1RSUFBsajUzMnJzcXNoQTV0VV9OazRPUi1FdFlKVVZoc2cxS21QVXlnTHZLSlFGckM3MGdwdTVBekJVcjVLaDNEZng5TlVaOFdnNFpkaXI4NTF3S0FodTJCU0hB?oc=5) · WSPYnews.com
- 2013-07-30 [The "Eats" Announced for Oswego's First Beats and Eats Festival - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNaGp6TVdaT29udDlCUEw5TUhzeXpJbTg2UlRPY0N1THJrajdZM1F5MDI0VGpMbE5TZk12QUxXRnlvVFloSHlBNG52OW9oQkh1dVA3RGFpTURsR21wRm5Tc3VGUnRHU29RYzdqMDVvc0ZTa1hTTnh3aTJxMHFQSGR0QnVkazF1OHZZb3hJQ0pmaklldkNua3BUYXFR?oc=5) · Patch
- 2021-06-20 [Suzanne Schlapp Obituary (1938 - 2021) - Oswego, IL - Aurora Beacon News - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNbzVuZE1qVEh5YWR1bF8wYWt0eUN4VEtkUVVuWHlPdkJBTFFWSkQydjktWnJPbWhCb3M4SUN3Y2FFOFdmaHRvMWs3aXNDaElkTi14em1lenpGYWVYaDFhZ09Cdko1Vlp3WTVYQnVoalFTZ25UNm0xRUg5bUxQakVfMVFkSXRrUzlRUHVsYXRwdWtsOFM5Q0VCYU1maXpwZw?oc=5) · legacy.com
- 2011-03-15 [Dick Young Leaves Behind a Lasting Legacy for Kendall, Kane Counties - Patch](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNGdJRWwzRW40VmJaTUt6TWl0dEREZFNDMDZlTV9JQ2FzRjh0UWRteFBTNDRmOHZiNTVxekNOeVg5V2ZOMlZnamRQaXFoRERIX0lXZWY4Sk5lM3BlY3psc2dJVGZpUU1uWWYyU1ZKejIybzFIdXY1YnJzaU1FcEdXcQ?oc=5) · Patch
- 2006-11-04 [Roberta Simmons Obituary (2006) - Aurora, IL - Aurora Beacon News - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQUjAtejVheWxKVWVyOHBLM2N1UTY2SUpBN01EaWxmN0V5OEFFNFRmQUNEQ0ZUdnNsdkZHT0dLd09XV3FPSTRXSTZQeTVLdmhhbDZ1Q0l2SjRwOGE0dG1qbGRXSWtOMkVTaTl2YkpFRnF3NVpKZkEzM1BaMnBTTS1HbjdVNzhCWWtRa3ZGTU9TNjBSRGQ4Zk90UHRXaVZKQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17899 (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 "17899", 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