# COMMUNITY BANK-WHEATON GLEN
GLEN ELLYN, IL · FDIC certificate 33953 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**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 | $335.5M | |
| Deposits | $302.0M | |
| Loans and leases | $179.7M | |
| Total equity | $29.9M | |
| Loans / deposits | 58.71% (p14 of band) | 82.05% |
| Liquid assets / assets | 38.29% (p77 of band) | |
| Uninsured deposits / deposits | 8.28% (p10 of band) | 19.19% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.60% (p17 of band) | |
| FHLB advances / assets | 0.60% | |
| Tier 1 leverage | 8.79% (p17 of band) | 10.09% |
| Unrealized securities loss / equity | -2.07% (p8 of band) | 0.40% |
| AOCI / equity | -0.40% (p44 of band) | |
| ROA (annualized) | 0.54% (p21 of band) | 0.91% |
| Net interest margin | 3.03% (p17 of band) | 3.56% |
| Efficiency ratio | 76.67% (p71 of band) | |
| Noncurrent loans | 0.63% (p41 of band) | 0.80% |
| Net charge-offs (annualized) | 0.06% (p63 of band) | |
| Reserve coverage of noncurrent | 210.93% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 2.76% (p6 of band) | |
| Auto loans | $19,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 73 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 | leverage <5%, losing money, expense ratio p90 |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 8 | capital falling |  |
| 2012-06 | 8 |  |  |
| 2012-09 | 8 |  |  |
| 2012-12 | 4 |  | leverage <7%, leverage <5%, capital falling |
| 2013-03 | 4 | leverage <7% | charge-offs p90 |
| 2013-06 | 5 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 3 |  | charge-offs p90 |
| 2014-03 | 0 |  | losing money, expense ratio p90, leverage <7% |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |

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

- 2022-09-10 [ANDREW LOIACONO Obituary (2009) - Wheaton, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNU4zSUJ5VnZmdm4xMU4wbW9ZZWE5MktnYnp2T1k3eVQtTF8tWkotaFRIZ1NpRERENmkzaTVmMkdDckQxbnpaLUFadDdqOUJQN1hISHl1ZUpqVzhwenhsRlpZV0JDX2g2Um9pZVA3YnZndi0wVU1RYTlRZVo2YXpiNV9KQloza0l5ak5GMDBhcnVaQl9a?oc=5) · legacy.com
- 2015-09-20 [Glen Ellyn's Yadav Nathwani sees success in business and politics - Shaw Local](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSTdzTUxGSzRoeW16dXJWMllXcDF4TGlHM1R5bWRiRlYwSmZES2NHT1dncWFvVldyd3ZNRkxuUHJnMEtoc20xRXUxeEZJaE5EZEN0TWV3OFZudjRuZXVFbjJJT25KVTFlWlhzYUdlTEgwS2FwanBkZ1NuU3JrQmNZdExaTHRsSkpUQi0tQjM0aHJGT3NMNVpNQXNnTkRGSTI2dXFZaEVyRDhQal9lLW1v?oc=5) · Shaw Local
- 2007-04-08 [Bob Brandt Obituary (2007) - Arlington Heights, IL - Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQaW96ZmZjVXEzcW8yQUYweWtjZDdBN05pUHhXZ1J0THpkZ2Vxcm10UWg4MFdoTVkwZnNoejc3NzJhc0dzYXJhd0J1cVFXYWN5dkp1MkV4T1FGU2U3WlFIc3AwQWJrWGlmRHEwQjJMcnlwQjc3SWRaTFB2SEdKNlV1alBGdXV4T1Y4SGlwaWRB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33953 (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/33.json (key "33953", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide