# SUBURBAN BANK&TRUST CO
ELMHURST, IL · FDIC certificate 20443 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $480.9M | |
| Deposits | $418.7M | |
| Loans and leases | $286.6M | |
| Total equity | $41.3M | |
| Loans / deposits | 66.76% (p23 of band) | 82.05% |
| Liquid assets / assets | 37.35% (p75 of band) | |
| Uninsured deposits / deposits | 16.84% (p40 of band) | 19.19% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.07% (p38 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 8.48% (p11 of band) | 10.09% |
| Unrealized securities loss / equity | -0.45% (p22 of band) | 0.40% |
| AOCI / equity | 0.48% (p97 of band) | |
| ROA (annualized) | 0.71% (p32 of band) | 0.91% |
| Net interest margin | 3.58% (p52 of band) | 3.56% |
| Efficiency ratio | 80.96% (p81 of band) | |
| Noncurrent loans | 2.33% (p87 of band) | 0.80% |
| Net charge-offs (annualized) | -0.01% (p18 of band) | |
| Reserve coverage of noncurrent | 107.06% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 25.83% (p40 of band) | |
| Auto loans | $105,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 103 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 6 | losing money, charge-offs p90, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-09 | 5 |  | noncurrent p90 |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | losing money, charge-offs p90 |
| 2013-06 | 4 | losing money, expense ratio p90 | deposits shrinking |
| 2013-09 | 6 | capital falling, charge-offs p90 |  |
| 2013-12 | 5 | noncurrent p90 | expense ratio p90, capital falling |
| 2014-03 | 6 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2014-06 | 3 | capital falling | reserve under noncurrent, assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2014-09 | 3 | deposits shrinking | capital falling |
| 2014-12 | 2 |  | losing money |
| 2015-03 | 1 |  | deposits shrinking |
| 2015-06 | 0 |  | charge-offs p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20443 (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/27.json (key "20443", 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