# NORTH BANK
CHICAGO, IL · FDIC certificate 20152 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $111.9M | |
| Deposits | $100.8M | |
| Loans and leases | $54.6M | |
| Total equity | $10.7M | |
| Loans / deposits | 53.21% (p22 of band) | 72.67% |
| Liquid assets / assets | 49.87% (p78 of band) | |
| Uninsured deposits / deposits | 28.73% (p91 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.78% (p35 of band) | 10.53% |
| Unrealized securities loss / equity | -0.81% (p20 of band) | 0.18% |
| AOCI / equity | -3.01% (p5 of band) | |
| ROA (annualized) | -0.32% (p4 of band) | 0.82% |
| Net interest margin | 3.44% (p40 of band) | 3.60% |
| Efficiency ratio | 122.51% (p98 of band) | |
| Noncurrent loans | 1.87% (p76 of band) | 0.74% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 93.54% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 5.29% (p30 of band) | |
| Auto loans | $4,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking |  |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 | uninsured deposits leaving | capital falling |
| 2014-12 | 3 | deposits shrinking, assets shrinking |  |
| 2015-03 | 2 |  | uninsured deposits leaving |
| 2015-06 | 5 | losing money, expense ratio p90, reserve under noncurrent |  |

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

- 2026-05-24 [North Bank Trail closed for summer after collapse - Grand Haven Tribune](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNUTF2NVBBbWVVOUVjQl9KblZ1MzFoUXQ3bkp4MFZZRTlnMllQT3EtY0dYUmY1dm9HWkgtR2ttUGZ3RTVXOHVNZHBqMEN6Y1NhcUhfdjctdElINmNCeGZkUGkzTk9RS3BLTUxXR1Nsa3BwRnFKR3BxdUZsU0lpeWhRdjk0QUxTekp3YkZ4aUJzSFp3eUVjQ3hxVzNkeE43d3I5cHZOVzZ5NXFmNzRFbGFuOUw4dXNiVlZqWXB5N2JycWJfSEpfOVdtdTRqSURHNHBsLXdBa0NfZXBYY2FYOEFod2puNkxWV0N6LWIyNzk0Z0JFRzhHNThIVw?oc=5) · Grand Haven Tribune
- 2026-06-08 [Another new riverfront restaurant adds to the north bank’s culinary refresh - Crain's Chicago Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxPODhjMTU3dXFoeVRyb2FZR09wbzZXRjMxczRSUGVmQkMyVDdxQUVlM2JpVEtxbDZkbllCbzJIZk05OV90SVNHOXFhNjdzVlJhb2ozeHcxLWVMWjVWM0F1NXllQ0hWV19iT1VXbG1FeGZFeGN4dnl3OEdQWU01VEtkVE50YnZrdXJ0M1RlaE9iRGE3QTZOYU9lZGVNazJkYmFFN1E?oc=5) · Crain's Chicago Business
- 2026-01-15 [Real Capital Solutions Acquires Chicago Office Tower for $132.5M - REBusinessOnline](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUG1IeUhfVGNvVFBaUVlHNUhYR2tMRks2aExZRjRVVUNjZ3dLUkhUMWowVW1raFpvbXhrN0sxR2ZpWWxpTTFrUGxON1pLc0tOZU4yaE5KaUIyc1ZHWmFVRmVvTXkwaHVkaURTSFdpb2VOWjdKa3hjdEkwX2NfalBvbkRnMXI0aEdmak1KMFROaFprQldzVDBjLQ?oc=5) · REBusinessOnline
- 2026-03-17 [‘The Fugitive:’ 16 filming locations to visit around Chicago - Chicago Tribune](https://news.google.com/rss/articles/CBMigwFBVV95cUxOelk1cnpSWnoxaUxyUHo3eUlmVGRRWkhlck5UTzlvc1BJNFJUX2FsemJ0NThVRnNYZE1Sa1R0MWxqRTBvako3RHkxVEpNSkVoMUY5N0RzYUNYdVU2TUlfNXJQdVRnOWE1Q3hBM3lLOG5PRFlnV0lpZmVtX0pXS3hzNEg3WQ?oc=5) · Chicago Tribune
- 2025-11-05 [Broader Shoulders Planned for Dee Bennett Road - starvedrock.media](https://news.google.com/rss/articles/CBMiywFBVV95cUxPeEVHdXFHRmhXcjZyekVVY0t2LUdLOFA5UGQ0MldkTEEzU1NQT2Nzb0dLSDk3NU5PVnRNSlYxMjQzbFNkRHlqdnhqNUtBb2xOM3pLa3NRUXl5aHFiVVNlbUNnZDJsNVpwbXNqMnlBMXI0RzFBQXRCSjFqWG4xXzN6cHlVRXM4Q3IyZ3hYLW5Ua25XdFRsblp0dUxrejlsZG42cm90SUNaUHQ1Y255WFB4YUlldVI0WU5vM05fNmR3UFJmdTJxY0dBZ0tjSQ?oc=5) · starvedrock.media
- 2022-02-03 [Who was Jean Baptiste Pointe DuSable? - fieldmuseum.org](https://news.google.com/rss/articles/CBMieEFVX3lxTE1IZzJXbGhNbG5jT250UHVXYm1kOUlkc1REbmhfM3Z2U0ZGbG1SWVVkLXpXbUZGeWNOeFJKQW1GY3NkUzYwcmowWHJncEQ5ZW1pb2hkRS1zWU5kdFpZZVFnZGcwOVBpSFJrTEdRcmlqWFlNTW5EcmNGYQ?oc=5) · fieldmuseum.org
- 2021-09-03 [Chicago bank employee dies after random stabbing in River North - FOX 32 Chicago](https://news.google.com/rss/articles/CBMimAFBVV95cUxNTTRWckVjN3duU2Ezd0VzN3dvazR1cElacEU2enhjNXpfTC1xWnkxdGVQSk8xREFhd1doTFRuS1FYMVFVVmhOQ2JMWXo0X2JuUkdETUFwV0ZWdEtfZVBISUd4NHc4YWRfZE9TWmJkUFB1TkNNc2RNcHBpUVFGcExyZHZiMFJ1UEN3MG5zMnhpdDJpODA3WHNFMNIBngFBVV95cUxNRXFScGRmMVFWLTFIZTQ4bDhmdndSMWZIdV9FcVBwb1JDdDFUdDhvQ19pQUpKRmpxYWFwQXJaN1U2cUtLdGRvLTRjVWdmTU1zendhLTlHWEFWS1FXczRVc1FwX3NYcVlONWUtQkd6V04zTllsYjBvQlNJYm1MRTVmNzJzcFJpYzFXWWVXWWx5SjZsN1RQVUtZRVVrY084UQ?oc=5) · FOX 32 Chicago
- 2023-03-09 [FBI looking for gunman who robbed River North bank - cwbchicago.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNYVR5c3loT29OeGZ6ZWxZa2gtMkMwcHY3cW81ajd6RnRFQXY4N3Ata1F3NUxiQ085a1ZKLThFQmM0SXZYcURydHltYmhqZm1kcnNGUUxxbmN4UWNWQTdsVlV4LW9jR0NJd19aaWNaN2FJLV9BdS0wTy1hbk5USkVQdXRsUHVybFJ5OWY4NEFEYw?oc=5) · cwbchicago.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20152 (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/56.json (key "20152", 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