# ELGIN STATE BANK
ELGIN, IL · FDIC certificate 19042 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $276.8M | |
| Deposits | $248.7M | |
| Loans and leases | $164.7M | |
| Total equity | $18.9M | |
| Loans / deposits | 64.48% (p36 of band) | 71.80% |
| Liquid assets / assets | 29.89% (p43 of band) | |
| Uninsured deposits / deposits | 4.59% (p29 of band) | 7.92% |
| Brokered deposits | 0.46% | |
| Wholesale funding | 2.26% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.60% (p5 of band) | 9.80% |
| Unrealized securities loss / equity | 0.23% (p20 of band) | 2.62% |
| AOCI / equity | 0.29% (p31 of band) | |
| ROA (annualized) | 0.20% (p23 of band) | 0.68% |
| Net interest margin | 3.31% (p21 of band) | 3.84% |
| Efficiency ratio | 91.35% (p82 of band) | |
| Noncurrent loans | 2.48% (p65 of band) | 1.53% |
| Net charge-offs (annualized) | 0.46% (p78 of band) | |
| Reserve coverage of noncurrent | 104.68% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 32.32% (p64 of band) | |
| Auto loans | $28,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 59 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |

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

- 2022-08-11 [New Data Shows Elginites Should Look for Work Closer to Home - Kane County Connects](https://news.google.com/rss/articles/CBMihgFBVV95cUxNb2NVNUJ6WTZGTjFJcDJmeFEzdVgxbk80RDdjbjNSTHNaQWRiakN5dm5VUVhKSXJOY3BvU1dSY1lKOVd6aVI3cG9TZHl4S19XMW4yR3haWWFTYW16bmwzT3BpYTVsRHJTRkJ6YTd3eXk2V0tqMFY0MWQxSkhkeU1veFpqdExpdw?oc=5) · Kane County Connects
- 2011-12-27 [Glen Ellyn man charged in Elgin bank robbery - Daily Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxOa1hMdDM5a3RLNUJtZTlyQ05VcEZKRllQQmR4bnBhRFZDaERfSzQwa1dHeG5kVkpXUkNQTzl2S2dRX0g5ci1RU2dlVTlsTUc1dmRCcHliN3VXM0hqOE00NVk4VE4tNWR2QUN4aDRhUC1fZklqZjJLbkQxaFZIb2U3Y1o0OFlkSzB6SXpnX09PTmQ?oc=5) · Daily Herald
- 2018-10-05 [Carpentersville bank being razed to make way for a 7-Eleven, gas station and stores - Chicago Tribune](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQbzBDd3F3U0NBYmg5UzJ0a2VSRlAtbjEzNXJmcXBETUwzdENkbUQxRldONi1RLUVJS0tKajdEVm1GeDBveDVPWUFDcEFtOC12cWdNbFMtRkQ0SHFwdHM2VUY0UkxZYzlsNV8xMmxHUUtWODE4Z0RIaE9EVXRYWFU4SWktd1ZyZ2JlYVpFSWxPd2tnZUlBVzhfODRybjI0SG1JeGp1YWRsWkFSSEhycEJDSXNEUkNkQ3RCV1kxTTd1T29yNjg?oc=5) · Chicago Tribune
- 2021-09-20 [Robert Paul Abate Obituary - The Desert Sun](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBaSU4xWElGUXBwMkE4ajV6cVFmeDFpa05ReHZvejVJM2tJRDgzYjZ5aVdZNWpUd3hSWWVnbTBkY05ZRUZwakg4RldndFJwMFZwdXN6RXYxajJ1QQ?oc=5) · The Desert Sun
- 2011-04-12 [Terrence Mitchell Obituary - Elgin, IL - Chicago Tribune](https://news.google.com/rss/articles/CBMieEFVX3lxTE9pQUVGdGQ5RzBGdl9vS0VlbkI0Q0FCbFFDSGxWOHdFY3JEN2dJVlQxVktnczZ0N3UxVmszSDBUNmVaVFIwR2JNdXpMMERvX1dxSG5uZE1hcWUtNDBlNHlnMFQ0OFpJVXJPZ1lwdlc0eGplNG1ZSkNJTA?oc=5) · Chicago Tribune
- 2021-10-20 [Gregory Zajack Obituary (2005) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxONHg3cDBleGlvNWd3UC1tczREaVg5NkJpY0hNaWYtVko2eFE3RGZnSWloNkNJZzllX2hTS1ZXQTJ0ZmRGRzY5RmUyUWY4Z0xVZzExUzhhdHdROEV2dVM0LTdfRkQ2OG54Q0Vpc3VNWDJMcTNkZUlXLVZPbmthWnZQN25Nd0I1UUt0UkIwTG9LcVJqUG8?oc=5) · legacy.com
- 2012-01-19 [Batavia men being held without bond - Daily Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxOUmROa2NVWldvbUh5NlJ0eDMxTW9MWEJVa1pSUXpJRWpmSDY4MnZWUnFfa0ktZ1VJclZPVzM0ZHRkTjlwX2ZKZVhUU2lIT1NYYkpjN3c5RW5McU5DaGN3VE01dnNsb21OUWp0SE44ekZZaW5rdWwyNk42MmdiaWtBRXVKZ1Y?oc=5) · Daily Herald
- 2002-09-03 [Austin Mitchell Obituary (2002) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQks0ZG9CZmdFUzJvNEY0S1RLY1ZVb0xKMXc4MlZsRlZORjJxdkF4b1h3VlhPTVIzMXZPWVpyYlY0dTFjSFpuaVFUbXYxQXpZNEVUcmZwdmlqMWFPanpVSmV3U1BNd3lwWjNYT1FZLXd5Q2g5ZU5qa3V4a2lpN3MtcGlRaVFCUkg5NmtkWkpKRlJlc3Y0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19042 (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/34.json (key "19042", 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