# LEMONT NATIONAL BANK
LEMONT, IL · FDIC certificate 3693 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 9 (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 | $49.1M | |
| Deposits | $46.8M | |
| Loans and leases | $4.2M | |
| Total equity | $1.3M | |
| Loans / deposits | 8.96% (p4 of band) | 73.21% |
| Liquid assets / assets | 83.71% (p97 of band) | |
| Uninsured deposits / deposits | 12.96% (p24 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.05% (p0 of band) | 11.56% |
| Unrealized securities loss / equity | -2821.26% (p0 of band) | -6.10% |
| AOCI / equity | -0.62% (p1 of band) | |
| ROA (annualized) | -3.94% (p1 of band) | 1.04% |
| Net interest margin | 1.72% (p2 of band) | 3.83% |
| Efficiency ratio | 286.97% (p100 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 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 | 2.0% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 5 | leverage <7%, uninsured deposits leaving |  |
| 2012-09 | 6 | capital falling |  |
| 2012-12 | 5 |  | uninsured deposits leaving |
| 2013-03 | 4 |  | capital falling |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 7 | leverage <5% |  |
| 2014-03 | 8 | uninsured deposits leaving |  |
| 2014-06 | 3 |  | losing money, expense ratio p90, capital falling, leverage <5% |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 4 | losing money, expense ratio p90 |  |
| 2015-06 | 3 |  | losing money |
| 2015-09 | 4 | uninsured deposits leaving |  |
| 2015-12 | 5 | capital falling |  |
| 2016-03 | 4 | losing money | NIM <2.5%, uninsured deposits leaving |
| 2016-06 | 5 | NIM <2.5% |  |
| 2016-09 | 2 |  | expense ratio p90, capital falling, losing money |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | expense ratio p90 | NIM <2.5% |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 1 |  | expense ratio p90, losing money |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | securities losses >30% of equity |  |
| 2018-12 | 1 |  | securities losses >30% of equity |
| 2019-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | uninsured deposits leaving |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking |
| 2020-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 5 | losing money, NIM <2.5% |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 | securities losses >30% of equity | capital falling, losing money |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | expense ratio p90 |
| 2022-12 | 4 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2023-03 | 6 | expense ratio p90, uninsured deposits leaving |  |
| 2023-06 | 7 | wholesale funding >15%, NIM <2.5% | assets shrinking |
| 2023-09 | 7 |  |  |
| 2023-12 | 6 |  | uninsured deposits leaving |
| 2024-03 | 7 | losing money |  |
| 2024-06 | 6 | assets shrinking | deposits shrinking, wholesale funding >15% |
| 2024-09 | 6 |  |  |
| 2024-12 | 7 | capital falling |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 7 |  |  |
| 2025-09 | 7 |  |  |
| 2025-12 | 9 | leverage <5% |  |

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

- 2025-03-13 [Illinois’ NuMark Credit Union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQZXZzZ3NmS0pxb0Rfd0lSOXRrNWxJRUJSSnM0MVhibXVjbUhvYlR4aDNZMTdrZHRnRnJfanp2eWU0YV9wSzRONmlCdzNsaEd1bHAwUmFMeVR0VUt2VG04WHR1YXYzM0N4c2xYOW5CWWZEbmVUeGhjbk1IcF8taUlTVy04bG5fUGtldG9DRXlUeUl6Y05PUndMRVBlR1pRT3ZNbm1JUnd2X2dlMjZyTWJqMndZdk9mTWNrNWxma1Q4c1JiTDJ0VFBRZTdCVlZXUnc2YkFQNg?oc=5) · Banking Dive
- 2025-03-19 [The Lemont National Bank Acquired By NuMark Credit Union - Patch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPZklydmlKX0hxcUJkVlFOanR4MTFIN24teGxnME5YbktHQTRnS2NpaVkwSGVwVmRDcFNhV2dNc0pNOHJPZGVRT2o0d3FPSkVoWW4tMGI4ZHRUZThMblFJdGhoNFpNdDk2aVViYU5UZkZwTk1UZXBjSzNMd1ItN0MtdWFmSTJ5bWNqSm5j?oc=5) · Patch
- 2025-03-13 [NuMark Credit Union buying troubled Lemont National Bank - Crain's Chicago Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQeTJTX1RRNWl1a1V0cTE1M05PdEFjY2I4WlRuYUI5cmMzeXRWX2xoTTYtNThCd1g4NWp0WGRsb2NkT3N4LWs4S0x4ZEdaNmhwZDBpanVzb3hLTlRFdDBrZkJlbzdpLUhESnkteVBPQURxMWR6WTlBT2FSalA2bGlQTV9PVWZ3N19kb3lpb0RBX0ZSdXNPbzhvUU1ud1VGa3dyNUtEbFNoWFQ?oc=5) · Crain's Chicago Business
- 2025-07-08 [Gas Station Near Darien May Be In Works - Patch](https://news.google.com/rss/articles/CBMifkFVX3lxTE5aemFfWmpJLWhnNXNpQ0QxN3B3ZW5qYUZLdnRQb1lLSU5aM0JBX2ppLVctZS1PUmtCcVlxWHRkQmc4UzlEb1VlbTFfeERfQVNKbDhhVG90R1pzWVpxMVd2ckR3WS04eDlFOEc3eHFLd2wtRFI1dmZVQ2p5ZDN0Zw?oc=5) · Patch
- 2011-12-15 [Police: Homeless Man Took Cab From Local Bar After Robbing Lemont Bank - Patch](https://news.google.com/rss/articles/CBMid0FVX3lxTFBGR1EyVm8xR2VkWkMxWEI0cWYtUWtGTXI3RVB0N0NUNjlNc3FNNE9OY2lDZEpUem5TejVweXQ2QTljM29XaGRKRDg1YjBJakh4cVBUaUhoVnpZYWpPZmlsYjdPVVFWN0JwTzdMV0ZiY1hMLWtjamY4?oc=5) · Patch
- 2025-09-08 [Officials Oppose Darien-Area Gas Station - Patch](https://news.google.com/rss/articles/CBMigwFBVV95cUxPY21VYjJ4akw0ZzF0TV80U0gwQ0RCYWlMMEQyUl9Wb0xPN1gtOXRxVzh3Q3F5QWo4ZUtaRW1uOE50Y1owRXdJSjhHMXRMZUI4VXpTV0lSUDJtT041NHI5ZFBiMjBRVW0tcFZtQVdOUGhVUHlYSFg2VXlOamR4UmFxS014MA?oc=5) · Patch
- 2025-08-12 [Lemont Annexation May Affect Darien Area, Pave Way For Gas Station - Patch](https://news.google.com/rss/articles/CBMigwFBVV95cUxPRm1kRU1nNmJfNXVmVlhxdDExRDNqNV9fYmVuQmxFendjVmlicWJQNks4eFRKd0UzRnExN29vRnl1aGk1VVdtU1ZPQjNJTVk5elJaVS1LbHM0X1FiaGpuOEU3RXR0RDlTSmZBRzdCS1JyQTVOZjBaMThVLU5FeXNnaWpmMA?oc=5) · Patch
- 2025-08-04 [Annexation South Of Darien May Fuel Fears - Patch](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdlo5Q1Z3cWFpVzY2RTJZak1NMW45UFU1aWtVQmRGVmRaSDFyLTF3aWJ0UDl3QUx2RWRFUWtILWNOd3NRM190cVdZZXowWVI1QUtUMTRjUnNyVy1wRDc4ZDdWS3M4ckxpcnVFQnlQdXlhZXluNGlsWm5ORTNNSG55Uw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3693 (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/45.json (key "3693", 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