# NORTHSIDE COMMUNITY BANK
GURNEE, IL · FDIC certificate 34416 · asset band $300M-1B · latest filing 2024-09 · stopped filing (departed)

**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 | $308.8M | |
| Deposits | $273.0M | |
| Loans and leases | $212.3M | |
| Total equity | $25.3M | |
| Loans / deposits | 76.84% (p41 of band) | 81.44% |
| Liquid assets / assets | 22.08% (p38 of band) | |
| Uninsured deposits / deposits | 44.60% (p93 of band) | 25.15% |
| Brokered deposits | 4.88% | |
| Wholesale funding | 5.46% (p48 of band) | |
| FHLB advances / assets | 0.58% | |
| Tier 1 leverage | 9.07% (p20 of band) | 10.43% |
| Unrealized securities loss / equity | 0.07% (p97 of band) | -11.42% |
| AOCI / equity | 0.00% (p4 of band) | |
| ROA (annualized) | -0.65% (p1 of band) | 0.95% |
| Net interest margin | 2.94% (p28 of band) | 3.38% |
| Efficiency ratio | 119.83% (p98 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 27.44% (p30 of band) | |
| Auto loans | $15,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 31.4% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, liquid assets <10%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | losing money |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | losing money |  |
| 2012-03 | 8 | expense ratio p90, noncurrent p90, deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 7 | charge-offs p90 | losing money, expense ratio p90 |
| 2012-09 | 6 | losing money | loans exceed deposits, liquid assets <10% |
| 2012-12 | 5 |  | losing money |
| 2013-03 | 5 |  |  |
| 2013-06 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 5 | uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 3 |  | noncurrent p90, uninsured deposits leaving |
| 2014-09 | 5 | capital falling, noncurrent p90 |  |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking, noncurrent p90 |
| 2016-09 | 1 | capital falling | reserve under noncurrent |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-06 | 1 |  | liquid assets <10% |
| 2017-09 | 2 | liquid assets <10% |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | deposits shrinking |  |
| 2018-09 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  | liquid assets <10%, assets shrinking |
| 2019-03 | 0 |  | loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2019-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2019-09 | 2 |  | liquid assets <10% |
| 2019-12 | 3 | liquid assets <10% |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | expense ratio p90 | capital falling |
| 2022-06 | 0 |  | expense ratio p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 5 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 2 |  | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 3 | capital falling, losing money, expense ratio p90 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |

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

- 2024-01-29 [Michigan credit union to buy NorthSide Community Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNZ3plR1hLMHFLR0dDZ0R5STZsZ2Y1VlR3aHVXM2NMcWlSVnpEcVFTY1VLTV8waV9hZi1JcVIzblRkUDRDcWhYVWF6amw0ekFxZlRJWHJDbkx3dk9JeFEzSFdfNWpQazI2bHZEUmVwMlVWMTVqTnFZRDJKREhFZkFlVURmempOR3hN?oc=5) · Yahoo Finance
- 2024-10-01 [Advia Credit Union buys Chicago-area community bank - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNREoyMlA0Y1phQVlacGxENXlteWJkaEp2bE1tR2czVzl0OTE4NTczUkkxWU5lQ1R2eXZEbVlJZ1RDVE0taGVadjk1aDNwNDhHcW5HaTNtejRpVE1TREo2RDQ3S3QxNmZKMUFtbkpHa19RRTV1RmZrVGo1QmhfS0szdnJ6RTd4VHo2ZFYtQzlpeFlZZ01DbkdWeUg1ZlZWeWk1YzJ2UXUxTGx1OFU?oc=5) · Crain's Grand Rapids
- 2022-06-03 [Illinois proves M&A hot spot with pair of credit union-bank tie-ups - Banking Dive](https://news.google.com/rss/articles/CBMivgFBVV95cUxQVzN2YmF4cWZkTUhiTzFVcXR1bXgtOXFfZnhnT1FFX04yZmllQVBnS3ozdjdPZUIwZThGb1ZxUGFheTNnR2lKbkdOY1psOERsckhfbnJSMWtuSld3d0ZFM0pha01abFVxNVdMY3lHMXRCcUdIQm1CcFZwdk1VZ28ySlZJcUU5c2lTcTNUVUxUcVQ2b0NzaUhaY05fM054MTFHUFhUM3ZSdjlRMHVjbnV2cm1IVExQNDFIRThYc3Bn?oc=5) · Banking Dive
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2026-03-30 [William Francis Dunn Obituary Jul 8, 2016 - Haase-Lockwood & Associates Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9rNWVXcnRHenF4ajlzOWFhNFhEeXl5aTFEWThDbDQ4OVRrb1JwQ3ZmQ3VZYWZ6WTZ2VDZWNHBXV2E2TFZET0htOUVTZ0ZneFZ5MHNSa2xPeWpqRFZKZElDNjNUbzhMTk0?oc=5) · Haase-Lockwood &amp; Associates Funeral Home and Crematory
- 2024-01-29 [Beacon Credit Union to buy Indiana bank - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxOd09hckswSHVoNDhPMHJTZGJiN19uaU1PLWFRWW8xUXhZRFMyY3d4dUtOTmRVWGtOLXdycmVRaFVsZktTcUpFdFhpaVpDdHQwSWJfcnRFOW1vdkR0ZTh6SE5TdE1OTDVUTWlsX3N3Ymd3ZjQtSmFZbGMzVVFZeVpJZWRIRUF1NGc?oc=5) · Banking Dive
- 2018-02-13 [Report: Rivets Stadium Sold - Ballpark Digest](https://news.google.com/rss/articles/CBMic0FVX3lxTE13YmdsTlVrOUcyWTRiU1lSek0zS19vNlBVTU8tWXpzR2d1eHVjaURtT1J1VzhIeEhCSzYwTFMtWjlGUkZ4YUJxbnVsMHNFTEh4Y0NibGhzaVVqQUZNTnFDUGx4TU1wRkdtZ0J3WTlWZ0xLalU?oc=5) · Ballpark Digest
- 2025-02-26 [Old Second boosts Chicago-area footprint in $197M Evergreen deal - Banking Dive](https://news.google.com/rss/articles/CBMiswFBVV95cUxPM2FTRC1XV20tSS13NTFZVnJSU0ZuU05vaHNtX2I1MHNUaWhZOHd5emtuWl83X3Mzc3c1Q0tMZzZyZldLX0ZVdEhhRWlSUHpwb09KdlVVVTNnZGx3Q3UyU1RJZlpVLTNBX2t4MnM0UmFQOWdOdHVGcFo4N21ZT2cxM3RORU9QWE0ycUpBeW51RlR3d3k5SDNpM3djT19jSmxRRmM3RldsYTgwRVlJMXYzYVBFVQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34416 (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/48.json (key "34416", 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