# BANK OF SHOREWOOD
SHOREWOOD, IL · FDIC certificate 22637 · asset band <$300M · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $110.7M | |
| Deposits | $104.0M | |
| Loans and leases | $72.4M | |
| Total equity | $2.1M | |
| Loans / deposits | 64.59% (p36 of band) | 71.80% |
| Liquid assets / assets | 24.38% (p30 of band) | |
| Uninsured deposits / deposits | 0.76% (p5 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.52% (p55 of band) | |
| FHLB advances / assets | 2.51% | |
| Tier 1 leverage | 1.70% (p0 of band) | 9.80% |
| Unrealized securities loss / equity | 10.96% (p90 of band) | 2.62% |
| AOCI / equity | 4.59% (p86 of band) | |
| ROA (annualized) | -3.01% (p3 of band) | 0.68% |
| Net interest margin | 3.52% (p31 of band) | 3.84% |
| Efficiency ratio | 119.87% (p95 of band) | |
| Noncurrent loans | 7.40% (p93 of band) | 1.53% |
| Net charge-offs (annualized) | 1.86% (p96 of band) | |
| Reserve coverage of noncurrent | 96.60% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 176.21% (p98 of band) | |
| Auto loans | $87,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 29 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **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`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | noncurrent p90 |  |

## 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
- 2011-08-06 [Bank of Shorewood Fails — Shorewood Crossroads Festival to Continue On - Patch](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVGR5QU1XOV82alNrb05RRHhmRUFtN1VhM3h5eTlzUWtGMVYwNzdoaHd0NGdORmtVUGNfUTNURXcxU0M4Q3Z2VU5EUktKdWRmZ3phRFBJRk4tbDBSYWxnTUtoeDhTM2ZRR0JYT1RhYVgzNWpNUHpCZmc1eUNZUjdYT1hBdTNJT00tNDdva3JHOG16T1VkSlQ5RU5KRWlfck9UeE05VC1R?oc=5) · Patch
- 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
- 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
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC
- 2011-08-06 [Bank of Shorewood -- and Its Plainfield Branch -- Closed Friday by FDIC - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLV92cjlQLTF5d0pVemF2VUVvaDNwODFJbFRZMThaSzZ6cDFuSWdBUHVXb2gtNkpjQmtQVkx0WkxzYlpQX1Uwb2oxelI2SDM3M2o4ZkNlR0FOSDkwZlI3NFhCZzFmNGZWeXktVW9aanFVUzRZQmxyMFBJalZoWk51ZkVJSGVrSFlxZDE3V1VPZ3NJRWZtaUlSQ010MGQ?oc=5) · Patch
- 2008-03-25 [Barabara Dolph Obituary (2008) - Chicago, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMlB6R3g4MGdkUmI4QXo2czVpY2Q2Zm5pdnhwSTZnWWxHY2VTRlhubUlqYXNyVEhDZEJsbV9TdVpoakM5NnlBM0RNNDJlRUhOR2J2V05id0RBblFBcmdmQjBTNWJpV2FhcHZ2UUYyMUhURFc5Ry14WU9vNENORjl6MUd4TnZYdGJ3M1o0RkdJS180eDFlOFE?oc=5) · legacy.com
- 2011-02-05 [George Micas Obituary - Patch](https://news.google.com/rss/articles/CBMicEFVX3lxTE5Fa19sZnJ3WjBXUzV4QUgtaHg3T09Nd3p6c0k1VzNTS0drZmNuQ05qcUxvRlVrY2F4Y0k3ZUxZRW5GTW1qdTYtZGRBdDZXUDVhbElKa0V1WkREZ3NWUGV0bmpjLWlZMG11aXFfa0ExNWc?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22637 (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/45.json (key "22637", 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