# FOSTER BANK
CHICAGO, IL · FDIC certificate 27447 · asset band $300M-1B · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $380.5M | |
| Deposits | $333.2M | |
| Loans and leases | $302.1M | |
| Total equity | $22.3M | |
| Loans / deposits | 87.70% (p75 of band) | 76.35% |
| Liquid assets / assets | 16.34% (p16 of band) | |
| Uninsured deposits / deposits | 6.63% (p10 of band) | 16.95% |
| Brokered deposits | 1.85% | |
| Wholesale funding | 7.89% (p63 of band) | |
| FHLB advances / assets | 6.04% | |
| Tier 1 leverage | 5.75% (p2 of band) | 9.87% |
| Unrealized securities loss / equity | 0.38% (p66 of band) | -0.27% |
| AOCI / equity | -0.62% (p80 of band) | |
| ROA (annualized) | -0.61% (p2 of band) | 0.82% |
| Net interest margin | 3.74% (p63 of band) | 3.54% |
| Efficiency ratio | 91.81% (p92 of band) | |
| Noncurrent loans | 15.25% (p99 of band) | 1.37% |
| Net charge-offs (annualized) | 1.70% (p99 of band) | |
| Reserve coverage of noncurrent | 21.38% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 0.00% (p1 of band) | |
| Auto loans | $8,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.1% | |
| Employees | 112 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | noncurrent p90 | liquid assets <10% |
| 2011-09 | 7 | liquid assets <10%, losing money |  |
| 2011-12 | 9 | leverage <7%, capital falling |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, capital falling |
| 2012-06 | 9 | charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2012-09 | 11 | capital falling, expense ratio p90 |  |
| 2012-12 | 8 |  | wholesale funding >15%, deposits shrinking, capital falling |
| 2013-03 | 7 |  | expense ratio p90 |
| 2013-06 | 8 | expense ratio p90, deposits shrinking | uninsured deposits leaving |

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

- 2025-07-27 [Kun Chae Bae Obituary - Northfield, IL (1934-2025) - Chicago Tribune](https://news.google.com/rss/articles/CBMieEFVX3lxTE9iczNLMFNEdnFHWk9aa3FtLVdsbmdUbXFtX25OeEpFcFFRTnBIQkQ4eVpHVml6Qng4MnczSGllS3ZaMlQyaENQRW93NWp3Ynh5MnQteUpqMVNjS2RYYzItRnZDbHU0eFlnOHNpT1dMbHhDcmFkbDdtdg?oc=5) · Chicago Tribune
- 2024-05-15 [Jaylin Brazier's trial continues in murder of Zion Foster - fox2detroit.com](https://news.google.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?oc=5) · fox2detroit.com
- 2009-05-12 [Final SLA Member to Serve Parole in Midwest - NBC Bay Area](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMDJ2SE1ZbEdOY1NPd0NUOTVodmVJSm5uQTJ4TUhrQ2FCQm9BWjBBdW1XMVNhMG1fWjlXMGpjOGYxaGZ1ZklDMnhObUpucUhhMXhBTE5sd3BIT0l5c1FOLVlhcXBSbE1BdjJIYVhpNGV1eVRBNjhRQkNuazVfS1NRd1NKcUVBZmZGc2h0RlE3UWpRQjVX0gGcAUFVX3lxTE10a2FXN181SExWWnBWQ3gzSkxSRUJRVzVzeFFDNWwycDdnS3F2bVRQaFpRLWQ3elpsMk5OakZtZlRvYTROcUVwMWNXUWxaSmtZQU81b3BTY0pMWXZmQ3FGUThuNGtjTDF6UlVLOE5vV3VYMURRUDRGMDlIanZqWWoxNzBlNmdFdXZnOGx5ZklLQmRPQjZ1Nl91SmFoRw?oc=5) · NBC Bay Area
- 2019-04-02 [Andre Vasquez Elected 40th Ward Alderman, Ousting O'Connor - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxQSVdZd3dfUmJEeHBrZGlWeW9ZcHZQb0JQQTF2ZlZpYXlrWFVrcXBGVEJTdEhWTUs5cnliczlNSlgyalY1eHpuY2RWeVhPODRTdDUtaVpfOTN4bEE5UXNHQjZhaUxidEJFQVZnVXVSVlZBQXR1N1Bob0kwcnNLNVp5T2pFTTVibWZZOUhoUjM0S1Nhbkpr?oc=5) · Patch
- 2009-05-10 [Last SLA inmate released from Calif. prison - NBC News](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9EM3lxVVVBbjZwWTlBelFiSm1fUU5RTUFkcThhMkk5V0JUdTFlVHVtNEtYcUpsT1FFcFNidVN5M3pEelJCWnpselNzcklpdkZn?oc=5) · NBC News
- 2025-09-05 [Kun Chae Bae, who founded a pharmaceutical company and owned TV stations and the Purple Hotel, dies at 91 - Chicago Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxQUnlfMGQxSHROVllkMmhPekVZaE1ReHpPbUI3REFCajlvdGIxZHhQM1otUzFNOUNIZlBJMFh5X1JZTzBkTFNIRi1lTGlfRzUtZzVEaXVINVR1YkVWbTh5bnZYNjdtWmNzRzAwMkNYMk1kbHB6MWJVc2VUVndZeHdWcw?oc=5) · Chicago Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27447 (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/55.json (key "27447", 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