# ALLSTATE BANK
NORTHBROOK, IL · FDIC certificate 34782 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $114.7M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $97.5M | |
| Loans / deposits | 0.00% (p1 of band) | 70.28% |
| Liquid assets / assets | 81.72% (p98 of band) | |
| Uninsured deposits / deposits | – | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.44% (p87 of band) | |
| FHLB advances / assets | 12.44% | |
| Tier 1 leverage | 84.98% (p99 of band) | 9.92% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 3.23% |
| AOCI / equity | 3.79% (p75 of band) | |
| ROA (annualized) | -2.28% (p4 of band) | 0.69% |
| Net interest margin | 2.63% (p6 of band) | 3.86% |
| Efficiency ratio | 90.91% (p82 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.38% |
| Net charge-offs (annualized) | 0.99% (p88 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 32 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | expense ratio p90 | charge-offs p90 |
| 2011-09 | 5 |  |  |
| 2011-12 | 1 |  | brokered >10%, wholesale funding >15%, reserve under noncurrent, expense ratio p90 |

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

- 2025-11-04 [$20K gone? Man says insurance claim check mysteriously disappeared from account - NBC 5 Chicago](https://news.google.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?oc=5) · NBC 5 Chicago
- 2010-02-12 [Chicago Neighborhood Development Awards - Crain's Chicago Business](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZEh2bmltWWVPbUQ0dEtTZVFaZ0k4U1E2T1ZzLVlmZUlIY2lRMWRpSGJoUWlHa0NnZjBiYjhwVV9aVEVsZHlVbGo1VUlrQUxndU9JdDlyWmJ6VnQzX3Z1QTBXYWFRcDh0UVdDQWkyUk5Bd2tkSm9RZkRvZUN3UktFcW04d0ZVamFmblYw?oc=5) · Crain's Chicago Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34782 (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/30.json (key "34782", 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