# HIGHLAND COMMUNITY BANK
CHICAGO, IL · FDIC certificate 20290 · asset band <$300M · latest filing 2014-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $54.7M | |
| Deposits | $53.5M | |
| Loans and leases | $24.8M | |
| Total equity | $874,000 | |
| Loans / deposits | 44.00% (p14 of band) | 71.50% |
| Liquid assets / assets | 53.78% (p82 of band) | |
| Uninsured deposits / deposits | 19.70% (p74 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.65% (p0 of band) | 10.45% |
| Unrealized securities loss / equity | -11.67% (p1 of band) | 0.49% |
| AOCI / equity | 51.72% (p100 of band) | |
| ROA (annualized) | -0.98% (p3 of band) | 0.81% |
| Net interest margin | 3.11% (p21 of band) | 3.66% |
| Efficiency ratio | 115.28% (p97 of band) | |
| Noncurrent loans | 12.36% (p100 of band) | 0.76% |
| Net charge-offs (annualized) | 0.39% (p91 of band) | |
| Reserve coverage of noncurrent | 41.42% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 189.59% (p99 of band) | |
| Auto loans | $40,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -18.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **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 | 5 | leverage <7%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | expense ratio p90 |  |
| 2011-09 | 6 | capital falling | construction >100% equity |
| 2011-12 | 6 |  |  |
| 2012-03 | 11 | leverage <5%, construction >100% equity, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 13 | charge-offs p90, deposits shrinking |  |
| 2012-09 | 12 |  | construction >100% equity |
| 2012-12 | 11 |  | uninsured deposits leaving |
| 2013-03 | 10 |  | charge-offs p90 |
| 2013-06 | 11 | charge-offs p90 |  |
| 2013-09 | 14 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2013-12 | 14 |  |  |
| 2014-03 | 11 | uninsured deposits leaving | expense ratio p90, capital falling, charge-offs p90, AOCI drag >20% of equity |
| 2014-06 | 11 | expense ratio p90 | securities losses >30% of equity |
| 2014-09 | 12 | capital falling, securities losses >30% of equity | uninsured deposits leaving |
| 2014-12 | 13 | charge-offs p90, uninsured deposits leaving | securities losses >30% of equity |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2015-01-23 [U.S. regulators close Chicago's Highland Community Bank - Crain's Chicago Business](https://news.google.com/rss/articles/CBMivgFBVV95cUxOQndnYmhWY1NRQ0M3VHdsMTJ6cHllWkxxTUVBandwTUNWZ3FnWUhRaS12YnpFbG9NdHN4SThKTXBGdXhuUmlpbE94MUhNbTMwcWRTZ05ab3V6TU5fVnBIUTJOOE5ZZUt5RlVfaEEwNE5qdHFWN0tmMV9HaHZBMnA2eGM2b1dNUXRqWG1YUUpCYzRXTkM1ZFNrREdCTV9fTk1FUnBycWl4RnRxOHp4M1JUYkVVWEFNYlNFc0NSblpB?oc=5) · Crain's Chicago Business
- 2022-07-28 [Chicago’s Largest Black Owned Bank has Closed - shoppeblack.us](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5VQy1RejhHbkpONEtqLUVLTkxjTkxUdERKazdtOVdodEtBNjFuTHpYbmNKLXZLVTk4ek84MHpzWDU3Vkg3SHhzTk1ycjJOeTI0OWFvbE1HZHN0YUFCZGVZ?oc=5) · shoppeblack.us
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2018-09-06 [Chicago’s Urban Partnership Bank acquired by suburban Providence Bank & Trust - Chicago Sun-Times](https://news.google.com/rss/articles/CBMixAFBVV95cUxOQkszTlpWV1VUaDVPdkdOZnV6cWJHeUdMYlB0anFzX2ZrNnFSTnl3bV85WDhrSnlvQkVVM2JyamFTRTNNVVpQNHhxdEVjUm5WbTNXRG9wX1ExTkVheEdocHdWc1Nsd1hvMWVtODZDeC1MVjRKNWpNa1hQZDNZYmR2R0k2S1QyUWZ0SVYzeUJNZmdOME52clhMNFZBejJEdGNDLXRteFIyTW5TYllWZW45STZuX0R4MmNYWGdMOXM2SkxwQW85?oc=5) · Chicago Sun-Times
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2016-11-01 [Charles A. Davis (1922-2016) - BlackPast.org](https://news.google.com/rss/articles/CBMie0FVX3lxTFBLNjVCZmZHeTBXZk9sZ0I5M0pSTGpldm9QSU5kMVhiMzJrTEpMQk9sMXJmVHhqbTlIbmpiaUo0RUlrakhlU040Rzl4WGUtNklwajVrbjIyUUw1aDM3aVlGUl9mNjlfb0QtdXo1cUY0V0lPeUk1TW8zT3Zubw?oc=5) · BlackPast.org
- 2012-01-19 [Indiana Homicide Suspect May be in Chicago Area - NBC 5 Chicago](https://news.google.com/rss/articles/CBMirAFBVV95cUxPaXp5YnF5TlIxVy1yMDVfemY1b1BDUXlUc0NzWUxfYWlJVUE2bUN1WW9BVnp4UktaUkw2UFhOSWhQZlNsdmpzdGpSUzFXR3Y2NWdCMzBTb1dzdGVjazlkbk5WdzNmT1JwUG5hS0xZUERySmQ5blotS3BIWWs4anI3WDZJNWV2d2p6TE5ib0E4RzJLRExzcjRnaVFKOWY4MTU1T3dlMGZzOFpLaVdu0gG0AUFVX3lxTE5qYVVXeVBaX1dXaHN3LTJjSVVvMVFqTDRVMGVaSEd5RlRpTkF5dXpoSHVraE5MSHQxSXBsZFNfN0ROQVNTVW80UFlRSFR2aDUzLTB0QUI4Mldtd0MtNHFzRW83c1QtNHRzaWhvaHdEa3BNTEhybmtXZTRibkVscEZEQkc4SzA2Y1FYWFRrVkFsbVVRczQ3Y3prUUFRb0hrNjZoWHNqV1VJang1OXhsR01pNVI3Nw?oc=5) · NBC 5 Chicago

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20290 (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/2.json (key "20290", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide