# FRANKLIN BANK
FRANKLIN, IL · FDIC certificate 18445 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $37.4M | |
| Deposits | $32.6M | |
| Loans and leases | $20.5M | |
| Total equity | $4.4M | |
| Loans / deposits | 62.28% (p33 of band) | 72.67% |
| Liquid assets / assets | 42.64% (p68 of band) | |
| Uninsured deposits / deposits | 24.82% (p86 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.64% (p75 of band) | 10.53% |
| Unrealized securities loss / equity | -9.98% (p1 of band) | 0.18% |
| AOCI / equity | 0.43% (p93 of band) | |
| ROA (annualized) | 0.41% (p22 of band) | 0.82% |
| Net interest margin | 3.89% (p67 of band) | 3.60% |
| Efficiency ratio | 75.56% (p56 of band) | |
| Noncurrent loans | 0.48% (p40 of band) | 0.74% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 217.35% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $931,000 (4.54% of loans; DQ 1.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.4% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | securities losses >30% of equity |
| 2014-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 | capital falling | assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 | uninsured deposits leaving | capital falling |

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

- 2019-07-17 [Illinois credit union buying Ben Franklin Financial - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPRUg0MkN6aUgwanp2RHB6U0FXWXYxX3dZdlNQdGZqNFM3azFvc1VIeEQ2eXJjeXB3LWxhbjAzVTFlTjdjVE1UdWxZWHVXUkNqeTdVTUVjVWFtbnhFVzJNUHk0NUo3UFNHZVI1ei1vSVVlYVpELUdFRV9zaTRXUURla2F2TzlwQWdhM1VaOUZ3QXAxMXdTQlE?oc=5) · American Banker
- 2019-07-17 [Credit union acquires Ben Franklin Bank - Daily Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdUx2ZzZyb0twTC1KU3dHQnRmeGtIS2xRY1J6ZldaVW1YT2ZJR1NrOFZETFpHcnRrczlqSUN6TVBodEN5Zll5VUMwSXhfUnVxSnlVOF9KVUh2TWVZN0VncVNleWFpZEYyWm1oUWxPN09BSUU5Z2pYUHQyVVA1cjlqMlpJVndOc1U1LWFvVXUtRQ?oc=5) · Daily Herald
- 2019-07-19 [McQueen Financial Advisors Serves as Financial Advisor to Corporate America Family Credit Union in Its Purchase of Ben Franklin Bank of Illinois - newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOX05kSl9TQnIxWTBETWlLVjdsdHpBVDlvMHNPc1BWbWhrbVlLU3RLMnZNSU9iZ3RwRm15N0pzOTRMWENyU1ZQWjl0cEtaLW1PcUdmMmRUd2toQ0JLaURIb3hTN012SVFSbnVpZmU4YS1jazNpVENzSFVRZzV3c1hUNV9yc3FpR3ZHcEZHQmhpckhteExZMjUxQ2lyekluOGRncUZFRmxEWEluZw?oc=5) · newswire.com
- 2019-02-12 [Bank Robber Uses Lyft as Getaway Car to O'Hare: FBI - NBC 5 Chicago](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVVJwU3dZS0c3cTFLb0JlVG1VY3hpOWZoTjhZM3BBQ2pkTXpNV0FRZnlPWmdMWmpJSUs2Z2pzZVNsWFhtNUoydGhsanhSUVNuRnpic1lwNGNrTjR3R0RsM2FMcjVENklvdFRXNkRFdU1NYUV1YVJuTTJoZVRzeFdNYVpDdGZmejVZeEpRQTRJQlR3R1o5N2VSYdIBoAFBVV95cUxQTE5XdFppT3lGWTEyZmhTbzVFLXNmd1NMSkVEbUJaYlA4a3VCb01HZktOUnFfdHczQk9hOWt5eTJXNFVxeGwxZGUxRW1POHVkNG5xRnM1RU12QzYzRUY0bFpRaExBN0FOS1hFWmdsOXNOLXdqNEgtZXZ6VTZlWFpWaUVodktOOTBwZjNHQ2U2NnBCcXdQUWlWcUE2d1ZTZzQx?oc=5) · NBC 5 Chicago
- 2019-02-12 [FBI Catches Rolling Meadows Bank Robbery Suspect - Journal & Topics](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaUZNNzF1aDRwZlRobndmUlAyanNmVGZQYzhxb09RVEVlM3AwSDhUNnNLYzZYN2FReDgxTUNvWnJKdzFEVG5JTTVfY3NSTlhXYWFlM2FCUFJEWl91SGJKZWtlUkZCM1lGcm1LZFBjQTFxVTF0X1lXXzlLMjh0VTNWMXJDR1ctVTFsaXVpMHpzUGZ4ZDQ?oc=5) · Journal &amp; Topics
- 2021-03-04 [CSB’s Lyle Ince celebrates 50 years in banking - Kewanee Star Courier](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZl9uUWhLMDdqUUsxVWtzSUplZU5FMHR3dERRZENBOTZ4WVZoeDBRZVBQN0xwcmNKQi0za2llS3V5R21ybklCbmlCXzZPakpTZG9oNjZCc29KdVVCUC1tcWl0WERET3M5aWRreDVXcTRCZ1NNYjl3LWIyY01iTmJrb3FsWTZRV21tNzhYdGh1NzljdmFRTF9PLUNQMEJnVkhLbWV4UFFSNA?oc=5) · Kewanee Star Courier
- 2011-06-25 [Charles Martin Obituary - Springfield, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPelU1TFl4YnlTWVpaVzdKTThWS01kMFd0U0llVDhVWlBTY2p3LVFFVzB4Y3dMX1c2U3NuZTE4QnIxLWVCZmxpdDAyVVBJWVc3ME0xOThjVml2X05fd2o4UTZDMzRTdk42QTM0UExmWEVrREppUy0yVDRBRGN5bDBVVWUyMGVDMmM?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18445 (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/13.json (key "18445", 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