# MB FINANCIAL BANK NA
CHICAGO, IL · FDIC certificate 3628 · asset band $10-100B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $19.60B | |
| Deposits | $14.81B | |
| Loans and leases | $13.68B | |
| Total equity | $3.47B | |
| Loans / deposits | 92.36% (p52 of band) | 92.15% |
| Liquid assets / assets | 11.26% (p10 of band) | |
| Uninsured deposits / deposits | 61.09% (p94 of band) | 34.28% |
| Brokered deposits | 8.02% | |
| Wholesale funding | 11.47% (p53 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 8.04% (p10 of band) | 9.87% |
| Unrealized securities loss / equity | -0.54% (p46 of band) | -0.39% |
| AOCI / equity | 0.01% (p11 of band) | |
| ROA (annualized) | -0.53% (p1 of band) | 1.30% |
| Net interest margin | 0.42% (p4 of band) | 3.50% |
| Efficiency ratio | 247.95% (p100 of band) | |
| Noncurrent loans | 1.03% (p80 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 0.05% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 13.93% (p34 of band) | |
| Auto loans | $25,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $20.6M (1% of equity) (p46 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 2586 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | charge-offs p90, noncurrent p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | expense ratio p90 |  |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 1 |  | expense ratio p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | uninsured deposits >50%, capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 4 | wholesale funding >15%, run vulnerability |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 6 | loans exceed deposits, capital falling |  |
| 2017-12 | 3 |  | wholesale funding >15%, loans exceed deposits, capital falling |
| 2018-03 | 5 | wholesale funding >15%, expense ratio p90 |  |
| 2018-06 | 6 | capital falling |  |
| 2018-09 | 4 |  | wholesale funding >15%, capital falling |
| 2018-12 | 5 | wholesale funding >15% |  |
| 2019-03 | 6 | losing money, NIM <2.5% | wholesale funding >15% |

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

- 2019-04-17 [MB Financial - Forbes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1wRGliWkFPN3FUVEhVaVBzSU1lcFBPM1h1eTNYVDhIbjJSQzUzbTVGSENKRS02Rmd6ZzBWU1BubUd0SF90THpPeFZIN2JBSE1YR2dVSlpqdnJSQQ?oc=5) · Forbes
- 2017-04-24 [MB Financial Bank Partners with the Federal Reserve for Money Smart Week - PRWeb](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMmxYSDVndWNPY2xyODNzQU9MaE9DLVdlTEctNGNranRjUlBwYzNYMHFtanZWeEtwNVlhT2dVeHJneWdTTzBPQmt0RlRWVElxMnRsa2NiYndUbHdFb180ZGdVQkdnWEQ3cWpPMlRibU41VHBpU2xsb2VlYmw0VmhKMV85QkVwWWEtRE4tN3ZxZThTZm9DWU5xbnlGVm5oQzFlNm83OWYwTUpzYnRkdUcxbUczWkhLRGpnZF96cmVR?oc=5) · PRWeb
- 2019-09-30 [Marquette National Corporation Appoints Thomas Prothero and Randall Schwartz to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxON2RBUGZzSFhsOXZuYkxGaXQ1TXVaenlnc0kxQ2tTblN6aHNrZ0dadS1lVGdrRDBCVnhPWFgxMW5QV0E1VW9pVTdGblJyZGR1X1U3ZFcxVUNveWhtNW9sT0xSQVJnS0pXLU9leUJxWVFHQWRrOEtJeElkelZFOG5nNzlQUTZIT2J3NTRCUkd2YVhFZDRpNlpqVFFzRHJZUjJ3RXhMUENTN2tyWlRhbnpzZUVIOGp1TkJMcTNYWFpaQXR3ZjV2MlBVOHdFY1Brd3lFR1FMRnpoMnlYdFZwYm5jSlc2ZFFXT1N6SVE?oc=5) · PR Newswire
- 2018-05-21 [What Fifth Third Bank's $4.7 billion deal might mean for Nashville - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSUk5WWZ5enFBT09hN2Y1Z0FWMFRqLXp2QkVhbDhPVHdPdEFjSFZxNFpweW96NExKQU9UQmZndFhfOU1uSjZXZlpDcmxUZWI5ZVNEbzdPcEx0cFI2d3h0ZjBYYkFiN2tWZ1ExeDlqeV9jc1JHQXZET0Q5dlYzaVl3NlRKZlhCamk2eEpRV3JuakU2X2UtQTNXbm5aZlpJLTM4empxWUNKdElWMWZxM2c?oc=5) · The Business Journals
- 2023-11-14 [Evergreen Terrace: Jim Glasgow, Terry D'Arcy Announce Great News - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxNRFBVZnBLQUVqc3BvUFhLV05jbEp2clc0V2k4MTI4cG9DdFByRmpKc2gtazFxZ09sQjgtRG5HemZ0UTBSZmVBak8wT0VweFFuOEw0RTFMVkxhR1NJLTVxN3F1bllLc01VT3lfZWdoN1BxTXZObmZ5Qmp4T3dUV2hEal9LRk42STRKUjFKZU5zNmhBcWl1aFFVM2hIVQ?oc=5) · Patch
- 2017-05-30 [Friends rally around Rolling Meadows shooting victim with fundraiser - Daily Herald](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOcmJXUU11OFRHejJsNWRBamFiSk9kcGZnRHlHZUxUakVaS1hTY3ZMaER4NWs5VEJSZGdGTHdGNmtGU0NqYTFiZnNtYXNmM0pCQVFaWWR4YWJWV3VxR0ZBRGpEbjU5RmdhZFYwOGRCUjNiOVI2eUZ6a2VIYmxKb3J3N0pkcHp3M1RlblJ0enZaR0hIbVNZRDU3TDhlX0hQS3BDaXdtbW5OYjVzYzJxazlnSWtmaVprX0l5R3h4dy1OdzRtUQ?oc=5) · Daily Herald
- 2013-05-25 [Rodeway Inn sold to local businessman - Cadillac News](https://news.google.com/rss/articles/CBMixgFBVV95cUxPbU9xZkFWeVl6SGY5MGp6ZVFKZnRkZnBla3ItVkpYX2hySWF2SFN4dmtYRmRabDdULVlUdTBPeW5qZjhaYnV6ZG03X0xibzlUekR4d3VNamliY0lKQmoweWJOUmlDYTFVN3ZIZllrOEZBT1dBOGJfdDV2SVd0akxXUE5GVzhyM3NpUDl4YnpPNkgwZldrV3BjRG50TmlfMWtPTDBvX1AzdzZDNkNsVzNNUVNnMEpjOTdFY3Y1NUY5dUhRZHp6dFE?oc=5) · Cadillac News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3628 (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/44.json (key "3628", 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