# PARK FEDERAL SAVINGS BANK
CHICAGO, IL · FDIC certificate 28053 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $140.3M | |
| Deposits | $110.9M | |
| Loans and leases | $75.5M | |
| Total equity | $2.7M | |
| Loans / deposits | 65.73% (p38 of band) | 72.92% |
| Liquid assets / assets | 30.67% (p46 of band) | |
| Uninsured deposits / deposits | 2.72% (p4 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 18.53% (p95 of band) | |
| FHLB advances / assets | 18.53% | |
| Tier 1 leverage | 1.77% (p0 of band) | 10.70% |
| Unrealized securities loss / equity | 5.16% (p86 of band) | 1.19% |
| AOCI / equity | 6.35% (p99 of band) | |
| ROA (annualized) | -1.74% (p1 of band) | 0.83% |
| Net interest margin | 2.99% (p17 of band) | 3.64% |
| Efficiency ratio | 158.33% (p99 of band) | |
| Noncurrent loans | 4.86% (p96 of band) | 0.70% |
| Net charge-offs (annualized) | -0.13% (p4 of band) | |
| Reserve coverage of noncurrent | 71.52% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 29.62% (p67 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 | -6.8% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | 6 | wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 8 | leverage <7%, capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 9 | assets shrinking |  |
| 2012-06 | 8 |  | noncurrent p90 |
| 2012-09 | 8 |  |  |
| 2012-12 | 10 | leverage <5%, noncurrent p90 | assets shrinking |
| 2013-03 | 11 | assets shrinking |  |
| 2013-06 | 9 |  | charge-offs p90, capital falling |
| 2013-09 | 9 |  |  |
| 2013-12 | 10 | capital falling |  |
| 2014-03 | 10 |  |  |
| 2014-06 | 10 |  |  |
| 2014-09 | 11 | deposits shrinking |  |
| 2014-12 | 13 | charge-offs p90, uninsured deposits leaving |  |
| 2015-03 | 12 |  | charge-offs p90 |
| 2015-06 | 11 |  | uninsured deposits leaving |
| 2015-09 | 12 | uninsured deposits leaving |  |
| 2015-12 | 11 |  | uninsured deposits leaving |
| 2016-03 | 11 |  |  |

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

- 2018-12-21 [47th/Ashland TIF - chicago.gov](https://news.google.com/rss/articles/CBMigwFBVV95cUxQQWVTRmZ3VnBmVUR6Q1ZiWFdvaHVmQkpIU3V4UGZINGVOay1RMWhnZXJVR3Y3VHNYX0tiTFBrOEJ1a055a3RDQTlWUmVpck5PTDZEbXZUVFdFTFktMFlobUdpUG5UY0JFaFRDaDBTbFJuUHFtT2FmdC16X0JVbnV4aDQzNA?oc=5) · chicago.gov
- 2024-06-08 [Richard Remijas Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE1tdWdQUnFXemFCTGI1RTZQaGN0RWtob3VlX1BsdGJkZnNabk53UjZobzVOQXd5T1llZndQaXdaLTVGNWZNSzNuQjE4ZEVHOWJoX2VzNWhPWmc1WEkxLWRueWQza2VXR3llcmEyZW5fWUU?oc=5) · Chicago Tribune
- 2024-07-31 [Stephen Hawkes Obituary (2024) - Altoona, WI - Leader Telegram - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVmJqWGp5cmt4YTNtNE5FNzl1ZDdFR1RYZFk0Q1VBdDZ6al9ONVJ0RUs4VHRoVEFMX19FQ01KaE9YNWdQQzkzSl9yMkxkZGtUU2l6ZDBURUd4VVV5V0VDUVpQQjlNSzBGb0w4c0VBazRRQm9VQ1RCSEdrcXFQNjZnYmdpNFNjcFZzWWlSQXpFTXNsYVJSd3BZ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28053 (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/21.json (key "28053", 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