# COMMUNITY SAVINGS BANK
CHICAGO, IL · FDIC certificate 28841 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $410.2M | |
| Deposits | $357.0M | |
| Loans and leases | $236.6M | |
| Total equity | $47.3M | |
| Loans / deposits | 65.61% (p19 of band) | 82.04% |
| Liquid assets / assets | 37.55% (p79 of band) | |
| Uninsured deposits / deposits | 5.49% (p1 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.22% (p36 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 13.50% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -28.63% (p14 of band) | -8.10% |
| AOCI / equity | -0.40% (p47 of band) | |
| ROA (annualized) | -0.22% (p3 of band) | 1.28% |
| Net interest margin | 2.39% (p3 of band) | 3.91% |
| Efficiency ratio | 110.48% (p99 of band) | |
| Noncurrent loans | 0.20% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 514.68% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 | expense ratio p90 | losing money |
| 2012-06 | 4 | capital falling, losing money |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 3 | NIM <2.5% | losing money, capital falling |
| 2014-06 | 3 | losing money | NIM <2.5% |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | NIM <2.5% | losing money |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | NIM <2.5% |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 3 | reserve under noncurrent |  |
| 2020-09 | 3 | NIM <2.5% | reserve under noncurrent |
| 2020-12 | 4 | reserve under noncurrent |  |
| 2021-03 | 4 | losing money | reserve under noncurrent |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 4 | reserve under noncurrent |  |
| 2022-06 | 7 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 |  | reserve under noncurrent, capital falling |
| 2022-12 | 6 | uninsured deposits leaving |  |
| 2023-03 | 7 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 |  | losing money, assets shrinking |
| 2023-09 | 4 | losing money | uninsured deposits leaving, deposits shrinking |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | capital falling |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | assets shrinking |  |
| 2025-03 | 6 | capital falling |  |
| 2025-06 | 4 |  | assets shrinking, capital falling |
| 2025-09 | 3 |  | securities losses >30% of equity |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

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

- 2026-05-14 [Community Savings Bank Helps Fight Identity Theft with Shred-a-Thon - lawndalenews.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbE5WOFNFeEhfaHkzM2ZneGZZbG5BeFJaeFBlY1JYVFRfRllpT0gwd01DYWY2andVa1RSeDNLdUUtN0luWk53a3BfTThlempuZ2xzVFNoTjR2TWdXWnJhMW5LNTBSZVRjdmlLdTNfUXNyaTg3THEtWGZEc3MyQXB6WXlpQlFjUlJQdE91VkU5TFQ4N2F4S0d0Zld4U2t0dDd6ZDFRV2ltVQ?oc=5) · lawndalenews.com
- 2025-10-30 [Community Savings Bank Opening Peosta Location - KMCH.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMF9JYnVoaldkZ29ubHhVaXl4RjNLY212Nm51amd3d29kM0pMWEVRcHdqMFpTQzhKM2t3UVdrbmtoLVJaeHFpUlhYdG1xRkg4S1RReHlWV0ZPMDh1a0I2SWxad0xyajRQQlJOWXJmS05nRmt2V3ladTFGd3B0MXhCUQ?oc=5) · KMCH.com
- 2026-08-29 [Jackpotting attempt at Manchester bank - thegazette.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOM3JnWWxIZ1Yxajd4ZUpyNXlqUmNQUS1iSW1QSkNPT2Y0dy1UV1dzYTNFNE91dWEyUDJOUW0tRjNxMWQwZDlvNEJtM1VEZFQ4NW9BdUdiaEh5U09USUdSRGxWTUFrbmM0Nk92Ykc2aXhvUkRQalVOSGhPMlB3OXhFc0d1M1R3SWpzSzNZNGJWblM5VDA0TllJek5vU0dOdFFNUEQyMjNYMlN2bXM0MW9SOHhCQmdRcHNWSFE3ZVBhckRxVk93RVNyUGFnbTlZYnBNV2ZF?oc=5) · thegazette.com
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2024-10-31 [Community Savings Bank Celebrates Desiree Reilly’s 25th Anniversary - lawndalenews.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOM21pRFQzNnZOWHRzSE1MalNia1hSV2djVExZRnEyeHc0X2pHSllibXFXbS1VdFBwT2t4XzdlNktqM0M0WFd1YmdqeUpOdk4yRUt0X0hwTlFBN2tNWG9CT2F5MXBPQTRlQmFmdDFaa0xWRmZHVXVlTXJMb1lVNUFqOUkwM2NMQkRuMGtrM1hpa0tYYjJHeEFMN3JFSlB3cjhONVNmRkZ3?oc=5) · lawndalenews.com
- 2015-04-10 [Debbie Wieczorek Celebrates 40th Anniversity at Community Savings Bank - lawndalenews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRU1jV1ZGSWFRRzNrYUREdzQ4RWdvLXpZTE1vZmJoZVZyYWFzMm45bEk0ZkUwajFBTVlLbzg0bFVOVWtHRVl4RVU1UHhZOEhVQ2Vzald1WEswQ0VxOWgxQjdGbS1lcjJZdHd5OE9KZzBBMElmVTFpck84NkVGU2h0QjRqZmdVX09GZlFSWGFyUXFQNEpDN0xtLV83eGFoX0paU2pPNWQ3Nk9fU1E?oc=5) · lawndalenews.com
- 2011-07-28 [Community Savings Bank Visits Local Schools to ‘Teach Children to Save’ - lawndalenews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNVU1DaWNXcmhST2h0MWxXcFhOOHBUOHFmTzRkQzJoaHFxN2czNGdfSVd4YWhILWFZdloybTU4Z3ZaUG9WU3ZPMU00TlZNRnJpWFpuZzJrdVItaDhBWjZPTzFVZS1jLVNMVmhtV21zTUwxMlV0X3hRSW9MY1V3TjNpcEZIY1d4TFYzVm0xeGlPbFVXRThjTVZsVDQ1ZWpUd3piMlZyZldoaFhpSXNUaG5nV0hvZTZ5d3lOV0JfbjN4eDFJUQ?oc=5) · lawndalenews.com
- 2011-10-27 [Community Savings Bank Honors Vicki Bianchi - lawndalenews.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOLTlCWjNOWWlqSlBHcmROanBJRENDNkZBVXhGMmpHYlgyZmt6NGl2TmI3U3UwRmRCcXlnZ0p1M0NhRXlJNk5ldzI1Z3ZXS1RYVjd3MGd0RGxFRE1fM2ZkcGotVWpvbFFOTm0zOTBYeVl3SjI4RjIzUXJYNUxNeTJWZzcxR0xXSUU?oc=5) · lawndalenews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28841 (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/41.json (key "28841", 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