# COUNTRYSIDE BANK
COUNTRYSIDE, IL · FDIC certificate 21952 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $590.7M | |
| Deposits | $513.1M | |
| Loans and leases | $442.7M | |
| Total equity | $69.5M | |
| Loans / deposits | 85.01% (p48 of band) | 85.55% |
| Liquid assets / assets | 17.52% (p31 of band) | |
| Uninsured deposits / deposits | 24.64% (p60 of band) | 22.02% |
| Brokered deposits | 0.52% | |
| Wholesale funding | 0.52% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.38% (p64 of band) | 10.66% |
| Unrealized securities loss / equity | 1.68% (p65 of band) | 0.93% |
| AOCI / equity | 3.87% (p70 of band) | |
| ROA (annualized) | 2.01% (p92 of band) | 1.13% |
| Net interest margin | 5.22% (p97 of band) | 3.75% |
| Efficiency ratio | 61.43% (p37 of band) | |
| Noncurrent loans | 0.65% (p57 of band) | 0.53% |
| Net charge-offs (annualized) | 0.01% (p47 of band) | |
| Reserve coverage of noncurrent | 224.98% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 308.82% (p100 of band) | |
| Auto loans | $30,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | expense ratio p90, charge-offs p90 |  |
| 2011-09 | 7 | capital falling | brokered >10%, wholesale funding >15% |
| 2011-12 | 7 |  |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2012-06 | 11 | leverage <7%, expense ratio p90 |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 8 |  | capital falling, uninsured deposits leaving, expense ratio p90 |
| 2013-03 | 8 |  |  |
| 2013-06 | 5 |  | losing money, noncurrent p90, leverage <7% |
| 2013-09 | 4 |  | reserve under noncurrent |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2014-09 | 2 | charge-offs p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2016-09 | 3 | capital falling, charge-offs p90 |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 | deposits shrinking | charge-offs p90 |
| 2017-06 | 1 |  | deposits shrinking |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |

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

- 2025-07-14 [Suspect charged in Countryside bank robbery - Loudoun Times-Mirror](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNTzVpZ0R6QUQtenM4akt5VmRRVUk1TWlNLVE5RDZUQjVjQUJKb0lnT3N0bmFibUJoYUNGTnB3d2k0aVRLWi1Nc0hvSVVVa3l3TkR2ZDlURmxDbFVDT0hGaHVEdXNFLWhmdy1INmR1aTFWYU8wTEJUck9NRWNhRXg0MnlPTklfWEtRRU1yeE9HMnBfTEkzLWZTS0JLc2h2Z3lEU295UGtpbVJHRXREREplbTZrb0hQd2t3bTFERFVjVzE1bG1mdWdmUzBUbm1qd01aR3E5WHBnZWk?oc=5) · Loudoun Times-Mirror
- 2020-01-05 [6 takeaways from bank M&A in 2019 - American Banker](https://news.google.com/rss/articles/CBMieEFVX3lxTE95akZwODFJWHNSSTVVYzlCLWI0RmlWSkZJR3dMQ2M1TkZhTmV4RVg0TTh3ZFVsMk9FUmREM0JHdzh5RldoS2tPVTNFVlhwQTNFSVEweGdES21GYWFUdlloMTVnbk8zUExXS3JTWmY5Y0pGNVROYjBkXw?oc=5) · American Banker
- 2026-02-23 [Herndon man admits robbing Countryside bank | Crime And Courts - Loudoun Times-Mirror](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPRXd2bThqQUFTdVNESmtvZHhMcUh4bU0xX2ZkRWZ3b01CbVlNa0RUYWttUnMzN2ZqeGt4TmcxemRzUVVNb0hqR09EcXlMSzc4cWxuMktjR19uOHlkVC1GazBSb3dXajFuQzhySVFNU2M4b2ZNLVR4WXVhb0VDVnNxTmdMc01LWDdSeFBaVVRWTDlHdlhMb1pLLW16ZXNZVFp3cG9mVk1UR3RGUjBqYjNQd2gxSnNFY19uakVCNGtZVnhLRTJpMzhvVUFod3kwZUNlVjQ4U1ctYzcyWTdjTEUxREFJeklEa05uanJ5N1B6cw?oc=5) · Loudoun Times-Mirror
- 2015-08-19 [High School Senior Accused of Using Altered Credit Card - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxPRkdiUm83RWNFb1RLWDVrOGcyeUdGRnAyemc5aFh3Z2ViT0ZjUWZmLXdibVRMRXQzTGlBeW0wNmJtSkJjY1o3Q0JqV2hWUTBkZUh2UmdqeUZxc3lMRUFheHZsR1hXdER3TjhDVmNyYTE0bUdJQ2xvMVdHbU9jZkNHbC1nTkozblhvdG4xclU0UHFfWHY1NEJWRnFR?oc=5) · Patch
- 2019-05-17 [Chamber honors 30 people under age 40 western suburban contributions - Chicago Tribune](https://news.google.com/rss/articles/CBMisAFBVV95cUxPV3UwdUgtWmY0UG14bC01My1tQzY2c08ybTBGTTdZOVc0MXp5cnFNbkY2UHpTMnlTMGlYWEo3U3hjdV9YelFsenZMa0FmanQzT1UzS09Ic042UTh2Uk9Dall1TlFvdTZPTzFueDl6Mk5tcnNoeUkzbm1HWm5ZZXJSMFpkYmNCcjlWVnJqaE14SWFGR1NVemlWeFFwcHc5WFNsUUs2LUc0QU9qMTJkbGpwOQ?oc=5) · Chicago Tribune
- 2022-03-02 [Lyons Township senior to serve as queen of Countryside St. Patrick’s Day parade - Shaw Local](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPaTZrWlRPSnRRUksxejZjZlY3cDRFSDdSTUZEcmJHWVNPS2ZqSFBEMGZjNWc0aWNYUG1JTk5mUE9MQ3U4TnVpOEtkczloWGlLOTNBRDhJRXBwWGJpLVZuWFl2dkw2RmZMdVBuWTZFTG1Kb0xHLUVQSy1GSnNCanVJMUxhYi1fdDFONjBLMlVtb0UtX1diN1d0Ukl4WjAtb0dpVjF5Wm9mbm9kaDI2M3FVNW1JeXpoRllJeGdHT1B6SVlkNWFQNVV3Njc1WmxjSFpMRkxRLWRFUTE3elk?oc=5) · Shaw Local
- 2022-09-25 [EDWIN BRUNING Obituary (1930 - 2019) - INVERNESS, FL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRkhQRkR5cDE5M0M2MjRJdTBFY0Z6aFRHb3V4MUJyUXFFZURyY2hWX19ycHBhUDV0blVSbnM5SFFkZjNPSXBfc2ZNTWhOeUZaMUhONmwyRl9jZG1USERKTTBMYWEzc3RSUXkxZ2JBS0ZlRGJ4eHZBRFpBMHNZTWFIMHVuZmlaMUp1NXZuenFHZlpHdw?oc=5) · legacy.com
- 2011-11-08 [Brookfield man charged with attacking officer - Riverside-Brookfield Landmark](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcTFId0hWMXJySHRqTTcxcFAydXhiSzJkeXBhUnJoWDVFbER6c2QxRmFkd2JCcElJdjdwLWQ5MFAzeTVkeGFsSmdtMzJpY1VmV1ZoWDFldmJfZG1NTjJQR3N5N1ZCVjZ0TVdsMTQwUmViajUyRnFtS2NXZkpqZHp6dE9ZQ1Nud081amlLcA?oc=5) · Riverside-Brookfield Landmark

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21952 (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/0.json (key "21952", 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