# WEST SUBURBAN BANK
LOMBARD, IL · FDIC certificate 18509 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $2.90B | |
| Deposits | $2.64B | |
| Loans and leases | $1.55B | |
| Total equity | $243.7M | |
| Loans / deposits | 58.06% (p17 of band) | 74.28% |
| Liquid assets / assets | 43.36% (p80 of band) | |
| Uninsured deposits / deposits | 20.82% (p20 of band) | 32.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.17% (p19 of band) | |
| FHLB advances / assets | 0.17% | |
| Tier 1 leverage | 8.17% (p15 of band) | 9.58% |
| Unrealized securities loss / equity | 1.26% (p67 of band) | 0.34% |
| AOCI / equity | -0.69% (p61 of band) | |
| ROA (annualized) | 0.87% (p19 of band) | 1.23% |
| Net interest margin | 2.51% (p14 of band) | 3.24% |
| Efficiency ratio | 62.54% (p60 of band) | |
| Noncurrent loans | 1.52% (p91 of band) | 0.38% |
| Net charge-offs (annualized) | -0.01% (p16 of band) | |
| Reserve coverage of noncurrent | 81.33% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 48.08% (p56 of band) | |
| Auto loans | $3.2M (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.2M (0% of equity) (p78 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 365 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | losing money |  |
| 2012-06 | 1 |  | losing money |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2015-12 | 3 | charge-offs p90 |  |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2017-06 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 1 |  | capital falling, noncurrent p90 |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | noncurrent p90 |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, expense ratio p90 |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | noncurrent p90 |  |
| 2021-03 | 3 | NIM <2.5% | expense ratio p90, noncurrent p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 | noncurrent p90 | capital falling, NIM <2.5% |

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

- 2023-08-05 [ATM near me: FBI Chicago searching for thieves who stole ATM at Old Second National Bank on Route 59 in Warrenville, IL - ABC7 Chicago](https://news.google.com/rss/articles/CBMingFBVV95cUxPb3V0bDhtTGlWbTFDMTh0bjhMMXdkVVhUNEpGdlF1ZENBdEkzOE5EVHpVZ3RUeVBuSmhha1YtWFAzR1JlY1UtbEZqMmZyM29pd0lVWFc2SkhibGs5Ylp3bUdIZFQwdFAyMUtyRmxUdjRlOVRrS01SVDMxdll5NmFHSEdOMUFjTVR1WXpBT01maWJRemduLVllMng5YTV5Z9IBowFBVV95cUxPMkRTekJsRXRZVm1GY3R5UWhWYkRuYVUycm1ST0loTk5GWHJ5WllybnFQQmc1TDIyekM3UGF5SmxrOUNJVEJ4clk1LXJySmxZRkJIaVFGSjZ5X0dULW1ka2dyaF9KQU9hZ0FuT0NfWlYtTTRaSnY4Z3hRbERaNG1mMlRwQ1FFXy1xZnJzektEUmNFUFpURk55U01lSTRDdTgzaXlZ?oc=5) · ABC7 Chicago
- 2023-08-03 [West Suburban Bank CD Rates - SmartAsset](https://news.google.com/rss/articles/CBMidkFVX3lxTE9HY2VHRzBnOExjbmQ3eXFzQzYzdFNPRGpKNk50TzlYd3NCLUZ4ZEZ3ekpsVklISHRVZ0xaRElySU04aElRT0FpSGY2MEhWa0ZfejNTcGhjbEtUSXZIWi1TaUNGLVdoUUd6ZmpjZksxXzdHWjdMMkE?oc=5) · SmartAsset
- 2022-04-05 [With West Suburban Bank building for sale, Old Second appears set to remain downtown Aurora institution - Chicago Tribune](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOeERuSjlFRUpNTTZsLWI2ZXpZNlpaNmpBQ19qODBnZnBrMUJ2NWtWNW1USmZJeGpLWmtGOVVvVHE0bzE4U3A2Ti1rUmNXUjJtbDFwSFVKVk9DWkc5V0FLbDk0bHZXU1JJWkZsaGdNQS1tQm9tUnUtd1Y2aFdGbjdyS2pjc004YnRlT0FMdXh4R19ZY0NjaGJtdGtCc2dWRER1UXpjMG5NSkRoQ21TRGJVcFRLa1lJVFROQnVEWTlTSWNxN2JiM0hRaV8yVmRkcEJjVzJLZm5qc3lKQTI1R3c?oc=5) · Chicago Tribune
- 2021-07-26 [Old Second National Bank and West Suburban Bank plan to merge - Daily Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxPcC03TjQwNjNycUlBNFJSYmtrTzBuMHZNOThzYjg5UDFJc0x6R3FLVXVTX1JJMmN0elN3eHNLUTN2ci1oZHJZTk9ndnlkMmxCcDBZTlp3aW4xNUQ2QnNaQkhsRjVDa3FVamNmWmZBWGpLNC04XzVRT3NycWZjazJtbkRzLTZFN2YyV0MxcHcxQ0RvMzVjNEdBQ084ZzBNcnVWLURHSERWWQ?oc=5) · Daily Herald
- 2023-02-05 [Massive fire at bank after car hits gas line - WPSD Local 6](https://news.google.com/rss/articles/CBMixAFBVV95cUxPaHkxZll1bkxVcjN6YmpBaEwwUC0ySFZkU0RzUGZ6eWpFRDJhRURMVUp5MlN6N3ZpQzdSaGRST2hQMGVxVUJDeUZ2Zlg5MDQ1bDdZWjFBMnoyMV9DdkZzWHFodkxhdVFGaFNFQjhVak5VM2R0dk5hZ0VDdzNMZ2VZUkZVSkJYanpPY1FFOWdxMk1rNjY0WUZObnVOWlJJNFE1WVJZWXlQYUJaSjJBU1hqd1hOY3U0QzZZdnBkQjhRYkI1dC1h?oc=5) · WPSD Local 6
- 2021-10-10 [Bank robber caught after texting wife photo of cash, FBI says - Upper Michigan's Source](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNanMteFIxSXU5SFZSX2g2XzdTelNBa2ttQUtncGNOT3RPaWt0RTNHU2preExKVGZHTDZJc2hRamk2OTNZd0d0Z0NBQVBSUWJSTUhVRnZUeE93OHZoRFAxVHUxVVZJcWNnVVdUb3JxSmJWQWNUZ3lGQ2x3ZnMzV1VMcVVGYWFPbzJ3S1FPU21VNlZwTC1QT3ozaFE5dGllRHdUeGk5QTVkOUdGQdIBvgFBVV95cUxOVnRzekJGY2VrSDJVNU40M0ZJYkFFeHV4ckdTWlpic1pCaFVUX2Zta1pIRHNTV1VaZzkydldDZVozMlVVdF9TTkdLYkpxcE1HRUdGYm9sM0R0T29EOVktWEFQV01CcVZYUWdjQUtCdTMzeVZGOWJQNXlsUEUtT2p1a0NjTVRUNkpvQ3N2WnFHOXB1WXRxNkd0VUZOaVZuLTVyY01IUXRkN3V2ZnBqT1diZkZvSjl2RXVfRzg4WFdn?oc=5) · Upper Michigan's Source
- 2023-07-22 [BMO Harris Bank robbery today: FBI seeks to ID 2 suspects in Addison, IL armed robbery on Lake Street - ABC7 Chicago](https://news.google.com/rss/articles/CBMihgFBVV95cUxPTk5rZHBrbFRyWkJzN3g4elBVZjV2b3IzN2R5Q05BTS1nSUowMFN1eGJXdGtSSEZLSXI1b1lRMjVJVjUyeW5XTmcxM2o1WEhRRE1aaC1iOUpWQWpNSHVycTRoWlJ2aU9XRWVtSjZ1RzhjR09kYWZVanZOZ0lyRG5id2VUcGJKZ9IBiwFBVV95cUxPMVNjRU1WUG1qR05kLWduUDNVQ1hNWXRqX3NLZDhrTzJocmd3V0ZqTTFKWnc2Z1Nmci03bjRiTkpBX1dST01lUjgwVnZVVmpYMjZNNzZiMEhfMGM5QVpkdXYycTk1MWFYQVAzcWRyT3dpd2c1d2I4VGdrbjlOQWRiRld0QVM2NjJPY1FZ?oc=5) · ABC7 Chicago
- 2012-12-13 [Two Illinois Bank Robberies Leave Authorities Guessing - businessinsider.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUFQ4cFIxLUFhcmdWcWdUOEZKSEc4MXpXMFRMWjcwSTNyTFpNRDlySG1icktGREdqRGtoMl8ybDd1U1BFUkMycFZ2eWZjeENaMFQza0VJRDBsaGRDWHRGYVF1U0hBRGI4UlpDY1g2YldLeFJwSW5QS1haSkVvWDBiVFZWTlU2Vi15d1pueE9UcnY5aEpjT2RVLWhB?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18509 (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 "18509", 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