# BUILDERS BANK
CHICAGO, IL · FDIC certificate 34613 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $17.4M | |
| Deposits | $0 | |
| Loans and leases | $7.9M | |
| Total equity | $17.0M | |
| Loans / deposits | 0.00% (p1 of band) | 73.48% |
| Liquid assets / assets | 11.18% (p6 of band) | |
| Uninsured deposits / deposits | – | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 70.26% (p98 of band) | 10.87% |
| Unrealized securities loss / equity | 0.00% (p66 of band) | -0.29% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -11.36% (p0 of band) | 0.83% |
| Net interest margin | 1.08% (p1 of band) | 3.63% |
| Efficiency ratio | 2937.93% (p100 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.63% |
| Net charge-offs (annualized) | -0.48% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 46.49% (p78 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 | -100.0% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 7 | leverage <7%, capital falling |  |
| 2011-12 | 6 |  | capital falling |
| 2012-03 | 3 |  | losing money, expense ratio p90, leverage <7% |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 7 | losing money, expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2013-06 | 8 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2013-09 | 7 |  | uninsured deposits leaving |
| 2013-12 | 8 | leverage <7%, capital falling | noncurrent p90 |
| 2014-03 | 8 | NIM <2.5%, uninsured deposits leaving | leverage <7%, capital falling |
| 2014-06 | 4 |  | reserve under noncurrent, losing money, NIM <2.5%, uninsured deposits leaving |
| 2014-09 | 5 | reserve under noncurrent, uninsured deposits leaving | expense ratio p90 |
| 2014-12 | 6 | expense ratio p90 |  |
| 2015-03 | 7 | losing money |  |
| 2015-06 | 6 |  | reserve under noncurrent |
| 2015-09 | 5 |  | uninsured deposits leaving |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 4 | uninsured deposits leaving | construction >100% equity, losing money |
| 2017-03 | 5 | losing money, NIM <2.5% | uninsured deposits leaving |

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

- 2017-09-13 [If a Bank Objects to Its CAMELS Ratings, Can It Seek Judicial Review? - bpi.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNRk9wR3RQT3EyWC03a3M5T2tLT3JaYjIzbEpCUXRwYmRXUUY2VFlWSVBJSDJxMEpGRzE0WjNyNF9XNUhjbndoYjN1YTZVOGd5SUVMODFGcERSOFczYnFDWjZFX1hzM0VBYkZIRURLS3BFdmFGMjMyajVJZ1V0eHpBclpZRm1kVHpDcFdaUQ?oc=5) · bpi.com
- 2026-09-09 [Block seeks OCC bank charter - Payments Dive](https://news.google.com/rss/articles/CBMiekFVX3lxTE45M3BQOVdZeFdKVFBTRjBmTm9qZmNFNjNfeTZSWnNfVkJVNEdzSHh6SHlST2xBcDFhWm95VU9ORXpkUzg4aGtVX1NmUTRCSU9CM0Jjdll1MHYtbFhaX0ZkUlV2aTdmQk82UWYzbWtfMm5BaWJSdk5YNGl3?oc=5) · Payments Dive
- 2003-02-09 [Builders sues ex-CEO over loans - Crain's Chicago Business](https://news.google.com/rss/articles/CBMingFBVV95cUxOQ0NFNFFzS0tKMWlqQVkwcnNURzNJVkxZNWFDSzN6ZTlFSDdVNGtrNzh6eXhvNjlZU01nVXJ2V004QXUyck9PcHFWQk9zRWFjbUpKbTVWSFVBT2xpSDZMRTd3RVJOdEJXbTFSWDRZOE9QUmlzeVFkc3haOEV4VU9nbnpTR3Zkb0lmNWtuNy1xMDdxbDVVMU1Hb3JLTXhEdw?oc=5) · Crain's Chicago Business
- 2026-09-08 [Dorsey's Block applies for federal bank charter to custody bitcoin and stablecoins - investingLive](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNamkyMm9RRENFcmNmOUVJWWkyaWc3OWU2Y19wQ3pzUG0yQTVZZ2JNVFAzQkVTa1IwRkhsQ0E2QkJocGNtUnNiMjIzUGlHcmluVm8ybEo0UlBBcDF3N0JpeTBISEllTmk4NG9LTTRDa2c4Mk12MFhXS1ZkNFV3aWtwOGN2MC1LWUxqdzJhMWNjWFRQU05aUWpiOUlHR1QzXzlpYWtER0pzc2hOR01pZVZKU2o4YXhwWFdYY2hYeGtpd3VIdw?oc=5) · investingLive
- 2024-09-13 [Ripco Hires Michael Winter to Bolster Capital Markets Platform - Commercial Observer](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYkdrRUZvNTMxUmpWSFhGdTFsUS1UTS0zanY5OUM3dzhreWtwWGZSNHNyRVJ1bVh2eklzWElqUGlCMXdhNmh4QkNRVzZtV1ZJMXFjWXpzWVlDbDB1NHdRd0hCVmpRRGFTbGE0dTZqQ3YyV3B3bThzSXcwX29zY0NLRno3aFBzOHNxalpYNkI2Q2xFUGk0ZVE?oc=5) · Commercial Observer
- 2025-04-11 [Real estate developers and one major bank offering blanket appraisals in scramble to save preconstruction deals - Toronto Star](https://news.google.com/rss/articles/CBMimwJBVV95cUxQOUNDSV95TzhTRHVnUWJVdW1xalVHS2U0d2JsTTZnWTN0QVJycmxDVWZ1N1Fjajc3RG5kWDJUNzJiUkpSdEFsWE5JZmI2QkR4WUlya3NMemFlSDEzWUoxYWlTT3FpTUZIV0k0VjJkYTFsdFo3cWZSaTN1ZzZ2OUR0MVVXankta0MzMGxvR01nN0xJMEVTREl1SFU4Mm1jQjR1NDJZVW5EQlEwV3VPMTR3LWlFNlBYNWFuMUhSVmp0SVdtenhNTGt5MFJHTW5ha1oyU3ZuZUd2Zzk2UWNIYkxyaXlUOUh3cGZvckxlVTgyYlo3d0FNanZjdGpnQm9na2o3am5RM0RvY1RXTFkxWmJ0NU5NaVlCZjNJTjNV?oc=5) · Toronto Star
- 2008-05-30 [CREC networking event - Crain's Chicago Business](https://news.google.com/rss/articles/CBMic0FVX3lxTE5KZVRaZmZEeGlrM3R4dzhBbjFzODZMV2lrcWFZS3o2YTRyT3A0WVhuRk5YWjMwNTFUeG9WRHVoUkNaRnQ0MlZmLW9sNFdDZFp6aFJBaXpqQ015VHhRYjUyQlBQSHFTc09JVGY2amVCaUM0cEk?oc=5) · Crain's Chicago Business
- 2025-09-02 [MEXC Deposit & Withdrawal Guide: Fees, Limits & KYC Requirements FAQ - MEXC](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdVZzUmRLVHBqeHVpd2w5YWh0ZmdfSkZRYm5Oc19xdFhNZERmS1doTGc2bkFSYzFVQnBPbWI5X29yNFVfRWpPN3FHS1FmXy13R0NXTmtVM29wb0VHYkNfX0FMUzB0NkMxZ1dYT294amVDN3VSZzhheGpaT2YwNWstYnlhU0U0bUFzdFhTQ2txVzJCWExQb2dqSnowd3Y3NHdr?oc=5) · MEXC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34613 (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/53.json (key "34613", 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