# LISLE SAVINGS BANK
LISLE, IL · FDIC certificate 29800 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $544.5M | |
| Deposits | $383.3M | |
| Loans and leases | $299.1M | |
| Total equity | $135.4M | |
| Loans / deposits | 77.27% (p39 of band) | 82.04% |
| Liquid assets / assets | 34.84% (p75 of band) | |
| Uninsured deposits / deposits | 8.40% (p3 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.67% (p51 of band) | |
| FHLB advances / assets | 3.67% | |
| Tier 1 leverage | 26.10% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | -13.41% (p35 of band) | -8.10% |
| AOCI / equity | -0.14% (p63 of band) | |
| ROA (annualized) | 0.84% (p23 of band) | 1.28% |
| Net interest margin | 2.82% (p7 of band) | 3.91% |
| Efficiency ratio | 61.74% (p51 of band) | |
| Noncurrent loans | 0.95% (p71 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 102.65% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.16% (p3 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 | -0.3% | |
| Employees | 53 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 | deposits shrinking | charge-offs p90 |
| 2018-09 | 2 |  | deposits shrinking |
| 2018-12 | 3 | deposits shrinking |  |
| 2019-03 | 3 | NIM <2.5% | deposits shrinking |
| 2019-06 | 2 |  | NIM <2.5% |
| 2019-09 | 5 | NIM <2.5%, deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 4 |  | deposits shrinking |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | capital falling | uninsured deposits leaving |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 4 | uninsured deposits leaving |  |
| 2022-03 | 2 |  | NIM <2.5%, uninsured deposits leaving |
| 2022-06 | 4 | capital falling, uninsured deposits leaving |  |
| 2022-09 | 4 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 4 | assets shrinking | uninsured deposits leaving |
| 2023-03 | 4 | NIM <2.5%, deposits shrinking | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | noncurrent p90, deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | capital falling, expense ratio p90 |  |
| 2025-06 | 2 |  | capital falling, expense ratio p90 |
| 2025-09 | 3 | expense ratio p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | expense ratio p90 |
| 2026-06 | 0 |  | reserve under noncurrent, NIM <2.5% |

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

- 2018-01-02 [Aurora man charged with robbing Lisle bank - Daily Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWERaRUZPZEU3dTE3SnRYc253Y2JPdWw1WU5ZVHRoRWZmNnRWMXRxU0FuNFpabHltZUZEOHctMGJFVTN4d1kwdnQtTms3QUZOeDMxWUJET3NzOGFpaW14WmlWcGdlbTE5THBHUnp5dUFfYXh0TkgxWkZsZG5uNEhac2FiVzBlX1RDMnpKNC13?oc=5) · Daily Herald
- 2015-10-27 [Joseph Renn Obituary - Lisle, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE1fNUFwY0NBTnNHam5iaWYtLVFmc1VldlNFbWRPU0JPVXJNUFJLVXFZSmV3XzFncEFENWtpb0ZRdU9DV3JiVmFmYUd5dGxNN2dGb2lBUjJEejdELUkwWENnaFlzMHlDUHVMMzRQeml4VGpxTHJSckZwVXhuQQ?oc=5) · Dignity Memorial
- 2018-01-02 [Man charged with robbing Lisle bank - Chicago Sun-Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPemRSeGx3bmtKYnJSb1I5RzVoeDhUOFg0cGI0R1FnV1E3VWlTOFBiZmR2a2ZpU3hPMHdiNEpTVG5PQ2FJaE1BS1lqanc3ZjFENmpJN1ZmU1lPN0t5dGxDOS15YVI0dWRQeG16UDVaTjN1ZXVNVmY1c2xZbWJEY2lFLXJuODJtTVRzeEE?oc=5) · Chicago Sun-Times
- 2018-06-27 [Eyes To The Skies 2018 Kicks Off June 27 | Lisle - Patch](https://news.google.com/rss/articles/CBMib0FVX3lxTE9qc1V1dEw1RmlNeEhlcmtJZXZ5OHE2S1lLQmdpeDNyb3Y2VXBnR1ZKRzRoN2ZzZlRZSURfaGlabjNSX1V5UVVmTzNBRDAxdmYySklaWm1ENWR5TUdON1dXbDh1VkdSWjNtc2F6VUJHbw?oc=5) · Patch
- 2015-11-01 [JOSEPH RENN Obituary (1924 - 2015) - Naperville, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQb3ZsVE9rRGVET2ltWC1DUUpJRF92Nkp2QWZ3ODdkYkUyOE4xcUNuSTF1dHM3bWRQMkd1ZmZEU2k1Umg3ZUR1aFZTMC1JNm1vczFDbVdkTmFWZlp6STAwOElzVjlVb2poMDlDczRueHh1UWVuTW9VUGt6bnFueG42RmdqZWVyMndZc3p1c040NA?oc=5) · legacy.com
- 2026-03-09 [Kristy Haumesser Obituary - Lisle, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPN0NQeGJTZVlXZ0RNUU90a2YybTlReWEwekNoLXlReWRZc0dFV1lsVHpsakhwc2Fuem9udEQtUE9JNGxVM3FvNnVzcy1oYVN2ZlNVc1lVLU9Dd1dsVmxHOUVmLUZUYm5KZUNxWXNwelY5ZE1aMDBZeTIzQ0t6WjhPMEtB?oc=5) · Dignity Memorial
- 2012-11-12 [Elgin firm president aims to make deposit boxes more secure - Daily Herald](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOeXJCVVFiUGtmMnJoa2lvNk80azlkZVFpZDRmelpTWTBSWXhyd1pXUHRFbExIMUdkc2FMeFZsQWF1RmlxSEFPN0podXItakJXYjE4RDN6YlpDLV9ZWk9mQmZ2d1pfd1N0WE5vVTUwMGR3SFlpb25iNHM0OEFsZDdLN3NSVmZnSEpGcW9NVVlMTWVCTncyQ1B5VWEtRzFQdnU2VUZDZW9vaF9GUQ?oc=5) · Daily Herald
- 2009-07-03 [Thomas Gavin Obituary (2009) - Lisle, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdEhTY2FoZ3pVTDd1NXZXbVNzY1NnX3ZLUmdFSTczSGo1SVgxaEF6LWlvUmxZVndpS0tlVnlJYzlPYTlBWm1seXJSZ0hnRVhVQUhvbTZOR0N6b1J2Si1UVmg4dFBSQmpaSDFSbnI3N0pUdVN1dEhsNFMyb3BYd0dCc1lLa2NEbVBlX3pwVk02TExwam8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29800 (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/40.json (key "29800", 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