# BRICKYARD BANK
LINCOLNWOOD, IL · FDIC certificate 22811 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $159.0M | |
| Deposits | $123.1M | |
| Loans and leases | $119.9M | |
| Total equity | $26.0M | |
| Loans / deposits | 96.07% (p88 of band) | 73.59% |
| Liquid assets / assets | 22.39% (p27 of band) | |
| Uninsured deposits / deposits | 39.01% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.66% (p74 of band) | |
| FHLB advances / assets | 5.66% | |
| Tier 1 leverage | 15.64% (p80 of band) | 11.76% |
| Unrealized securities loss / equity | -4.74% (p58 of band) | -6.57% |
| AOCI / equity | -0.43% (p48 of band) | |
| ROA (annualized) | 1.35% (p60 of band) | 1.17% |
| Net interest margin | 4.55% (p78 of band) | 3.93% |
| Efficiency ratio | 60.54% (p37 of band) | |
| Noncurrent loans | 0.13% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1092.05% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 0.56% (p19 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | losing money, expense ratio p90 |  |
| 2011-12 | 3 |  | noncurrent p90 |
| 2012-03 | 7 | capital falling, noncurrent p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 6 |  | noncurrent p90 |
| 2012-09 | 4 |  | reserve under noncurrent, capital falling |
| 2012-12 | 4 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2013-03 | 5 | capital falling |  |
| 2013-06 | 4 |  | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 8 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 7 |  | uninsured deposits leaving |
| 2014-09 | 5 |  | noncurrent p90, reserve under noncurrent |
| 2014-12 | 8 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2015-03 | 4 |  | charge-offs p90, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2015-06 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2015-09 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | capital falling |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2017-06 | 5 | expense ratio p90 | uninsured deposits leaving |
| 2017-09 | 6 | uninsured deposits leaving |  |
| 2017-12 | 1 |  | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 2 | losing money, expense ratio p90 |  |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 2 | uninsured deposits leaving | losing money, reserve under noncurrent |
| 2019-03 | 0 |  | expense ratio p90, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | NIM <2.5% |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 4 | loans exceed deposits, assets shrinking |  |
| 2024-06 | 4 | wholesale funding >15% | assets shrinking |
| 2024-09 | 1 |  | deposits shrinking, uninsured deposits leaving, loans exceed deposits |
| 2024-12 | 1 | capital falling | wholesale funding >15% |
| 2025-03 | 1 | wholesale funding >15% | capital falling |
| 2025-06 | 0 |  | wholesale funding >15% |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2007-01-16 [Brickyard Bank CEO - Crain's Chicago Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdkp3dWQ0MlJvNTJoOENXUUxEZDBlN3ZiekhWNEJiVGdoSy1vZnR2TjdQMW1kYmJQUUF4SW9nRDZjUHduV1lpUjF1ZW54Z05pczVRelRVWjR5Vjc2VDZIaHMtSmRENEJKWDJXdTM4MDl6RmhXTVVVZDU4bXBLUmNWZzRNeTFhSWhRNEs3UVN3?oc=5) · Crain's Chicago Business
- 2020-02-12 [A Discussion with Marc Zaransky On Maximizing Each Day and Learning From Your Mistakes - Thrive Global](https://news.google.com/rss/articles/CBMivwFBVV95cUxOM25XZVlCX3IweDZQUTd0dVdXUkZnZlRMOTRTd3BkWnhhQ0xndWkxeXRKb2NHNmtEWDFZbWQzbElPYUN2Q1BnSjRTVzA2SlBGYjZvcV9WUU5Rd1hfcUNwWUxRTkx2dDNsTFU2bnA2OTR2Ml9fVGpzZldzVDhzNnJ3RkJCMFN1WHQtaWg0R2c0cjNoeFVVOEFaYUVuMkdfeVY4ZW9RcnpUNFFJbGdFUmhXVnZGbVFLMjQtM2tidzBUSQ?oc=5) · Thrive Global
- 2023-12-18 [Elderly Champaign residents mourn the loss of services at Inman; Half of residents leave - CU-CitizenAccess.org](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNdFlrNG8wZzVnXzdtY0tsTFNNaWFSb2otWGFma3BucEhsbHBjajNqcXVhdDR2SlRESFBaSEtSSGJUYTY4c2pfd2Z4X2F6b3N6UEYwUm1NVDg5YzVqR0cyOXhkNmNCMVRZZDdzd0E4UURObU1HYVRiaUVSUl93SWktamNFUFdQeWlQbjZtcXRzZWV2OGhBRnJnRnhtSTFBbzlMZEdxUEtkYVdONjJzTXl5LXhmemZ2dXd1aXNHdVVVYWQwc1E?oc=5) · CU-CitizenAccess.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22811 (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 "22811", 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