# COLE TAYLOR BANK
CHICAGO, IL · FDIC certificate 22599 · asset band $1-10B · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $5.95B | |
| Deposits | $4.02B | |
| Loans and leases | $4.39B | |
| Total equity | $540.1M | |
| Loans / deposits | 107.11% (p90 of band) | 83.91% |
| Liquid assets / assets | 20.65% (p35 of band) | |
| Uninsured deposits / deposits | 56.14% (p95 of band) | 22.39% |
| Brokered deposits | 12.23% | |
| Wholesale funding | 33.67% (p96 of band) | |
| FHLB advances / assets | 20.24% | |
| Tier 1 leverage | 8.96% (p29 of band) | 9.82% |
| Unrealized securities loss / equity | -0.97% (p17 of band) | 0.69% |
| AOCI / equity | 3.24% (p83 of band) | |
| ROA (annualized) | 0.77% (p36 of band) | 0.90% |
| Net interest margin | 3.46% (p46 of band) | 3.50% |
| Efficiency ratio | 73.33% (p69 of band) | |
| Noncurrent loans | 1.66% (p72 of band) | 0.97% |
| Net charge-offs (annualized) | 0.15% (p75 of band) | |
| Reserve coverage of noncurrent | 112.34% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 33.81% (p54 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $37.5M (7% of equity) (p91 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 1272 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 2 |  | charge-offs p90, reserve under noncurrent |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 2 | uninsured deposits >50% | brokered >10% |
| 2012-12 | 3 | loans exceed deposits |  |
| 2013-03 | 3 | capital falling | loans exceed deposits |
| 2013-06 | 3 | loans exceed deposits | capital falling |
| 2013-09 | 4 | reserve under noncurrent |  |
| 2013-12 | 4 | capital falling | reserve under noncurrent |
| 2014-03 | 4 | brokered >10% | capital falling |
| 2014-06 | 4 |  |  |

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

- 2026-02-12 [Burbank business construction stays hot despite hotel delays - Southwest Regional Publishing](https://news.google.com/rss/articles/CBMisgFBVV95cUxNbkFfMTQ5V3hYUzdhYjMwd0VYUUp0emlzTUhMZ21YSW5EcXc1U1djMEJoN01pdHA4YTFNbXhjWFB5Z3E3WG44cGhMZXJHSzJDMllxR0hob3VPRTlDT0xEODkxOWFVdFlKWDlYSjB1T3dPSmZHVzRCRHhfdWRHU2pKTlF1RWdtamhRNTB5LURNQ3ZTSTRVMmt3TEd3WVZWNXhVQjc2cUJjb3lmYXJ6X1Z2MS1B?oc=5) · Southwest Regional Publishing
- 2014-12-05 [MB Financial to close 4 Chicago-area branches - Chicago Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxOU1ZTVW95ei0yQjVrdkNmaVNXckxRbGhpSGJvcExJZVpvTVpRYmhqNkRDbWY0NnhtOTlvT2pDakdQYk5GcURWaVpkcjRBM3Q1RGpSV3h2WGFjU1BZcVhaTDVmSlN2MDN1Wmg5WVdrLXlJOWlhNjlqTXhSNmtmenV1MHJHYlBUZ2piZVh4SE41eU1FZw?oc=5) · Chicago Tribune
- 2026-02-27 [Jill Hagan - Crain's Chicago Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOanJaSk85U3NlS01GejRqS3BlNjJoU2l4ckhUN1dvYjBURXFzems4Q3l5Q2RRWEkxc1FkTDJnN3RBRjVqU2lTS1BuR1R0eXlGQ3FJWnhhY3JneWFnbnZobHQyN0FEaFgxVVRsY3RtT0VxXzFtczVKM2JBYi1zLThmZVRZMXkxX2thZ1VFdTVqQlkydmJZc3hIUDAwVVMzbm1IYTlzUlZVeWs?oc=5) · Crain's Chicago Business
- 2014-07-02 [Feds Fine Cole Taylor Bank For 'Deceptive Practices' On Higher One Campus Debit Cards - HuffPost](https://news.google.com/rss/articles/CBMid0FVX3lxTE5YaVJlZ0JxSW5nejFyMGNMSlhMWmluOU4wU0kzb0FNMWJKQ1Z3cWFwa0tJcXV3VW4wYXgyYWF4ZGRuYlE5V1ZKMUtrZTNrUGxqUDEzYnI1S0dFYkZzakZWSEs3T0RyQlhyLTZhVEczLWgydlVVQ1FF0gF8QVVfeXFMTkV5bXlINDRFQmFwakUxX1N4LTE5ME84bHhPelRONG5mLXpHLXMzaGpWZ213WlYyMEVZODZ1ZTExeE9yYy0zbWhZcVZyakxGRzh2Q0NDdmJxb3FDRWthbXRFSFpaZ3RvSGdQZF9vNnF0a2FobUlTS2dRQkdySw?oc=5) · HuffPost
- 2020-05-11 [Fifth Third Bank names new Chicago region leader - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZUFURm4yUVB5akZNMnhiMVNIOTlEbmgxZEx3R1JveTN2QXdSaHBHZDBfenZaLUhGMzhPM3BwRkFWWUZ4NDRHeUhVcnRfQzJvUkhKNlk5cDVwS2xIUFdWQUJ0UmtBSkJIV1RJTmZUTkR6NlU4Ymdyd3l4VF9vUDBhcDBLN0xZclF5dVVJN1BNU3RTZENmR1BkMUxMY1dBVEx1d29kUC1QZjZUUThDTEE?oc=5) · Northwest Indiana Business Magazine
- 2020-06-25 [Don O’Day appointed to board of directors of Centre 1 Bancorp - Beloit Daily News](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQclZudnNEUjJ4RjZKbktJVHJwTVpwNlJqbTROTlA3US1GTU9uRmQ4cDZlVDQ4LTBlWTV2TFFycDB1WTA3T1U5Q0tISFdiZGFhNlpHZ3pETEp3d3VVb0p3bFBua0EwcThkVXVzYkFya3NvOGR4eS1tRGp3OEpnb3d4d0VkT3pzblNQNjFzY3MzMVVvX0hFakJWZUtkMkhOQUhBSGlJb3gyVVhiWjhDMkl6UXloQk5kR2hXX2FacVFJSGpXQ044aTBqRkZzVjhQWlgxcEVGSmRhRTlpZG14TTN4YzZzdlpJVmFJVnpuMGZYZ1pORU55ZURxQ2x3?oc=5) · Beloit Daily News
- 2013-07-21 [Jewelry, iPad Taken in Home Break-In | Skokie - Patch](https://news.google.com/rss/articles/CBMid0FVX3lxTE5GTHhlSEF6VzFuY2FkZmREZVJ1ajAwZzB6dGxtOThkeEpoM3EzZE9hYXRsSE56SkI1LTR5UFRQeGFoVnctYlowT2s2MVZ0ckdpMGN3TEstUUhqbk5hTVZocUVzcGgySE10dTdRbGpidXBVSmhRTFhv?oc=5) · Patch
- 2018-10-29 [William Hoops Obituary (2018) - Elk Grove Village, IL - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNcmFLVElkcjc1Rm5FNUZsZVNyQUNKYmZaRl9Id2dBVjFKaDBpVldEaGMyaVFJWWthWm02a3VQSC1kcjNsOUxYYXZsZ0N5YUxJQkhVVTZYV3p4SW5XbFRESGpDeU1Wb195WHhTZzh3cl83ZERQa3oxRnlrVXh0WjNPZHJB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22599 (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/7.json (key "22599", 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