# FIRST MIDWEST BANK
CHICAGO, IL · FDIC certificate 3709 · asset band $10-100B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $21.63B | |
| Deposits | $17.58B | |
| Loans and leases | $14.70B | |
| Total equity | $2.48B | |
| Loans / deposits | 82.47% (p73 of band) | 71.65% |
| Liquid assets / assets | 24.53% (p31 of band) | |
| Uninsured deposits / deposits | 47.31% (p60 of band) | 44.19% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.97% (p66 of band) | |
| FHLB advances / assets | 5.32% | |
| Tier 1 leverage | 7.97% (p25 of band) | 8.99% |
| Unrealized securities loss / equity | -2.57% (p16 of band) | -0.46% |
| AOCI / equity | -2.59% (p36 of band) | |
| ROA (annualized) | 1.09% (p31 of band) | 1.28% |
| Net interest margin | 3.02% (p57 of band) | 2.93% |
| Efficiency ratio | 56.73% (p53 of band) | |
| Noncurrent loans | 0.70% (p75 of band) | 0.47% |
| Net charge-offs (annualized) | 0.19% (p93 of band) | |
| Reserve coverage of noncurrent | 195.55% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 20.78% (p36 of band) | |
| Auto loans | $49.0M (0.33% of loans; DQ 5.15%, NCO 0.01%) | |
| Loans to nondepository financials | $402,000 (0% of equity) (p30 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 1886 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2012-12 | 2 |  | capital falling, losing money |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | capital falling, charge-offs p90 |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | charge-offs p90, capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 | capital falling | reserve under noncurrent |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | wholesale funding >15% |  |
| 2020-06 | 1 |  | wholesale funding >15% |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |

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

- 2026-08-07 [First Midwest Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1GRXdNcFJQV3NWem82Z0pEc0J1QXZyMXhYeDNsNGptMjN1Q1E5LVE2QmNiZTNPVHphSkQ1WEJnWV9kQTZpS1JtbnltSGdPMktZT0d3QUdRdEF3eFphVW9GYmhmZ0YyXzY1WmRxcEZFTEEyT1ph?oc=5) · reveliolabs.com
- 2026-04-09 [First Midwest Bank to break ground on new headquarters - KFVS12](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPZXdFdGdjZVVZNkRwcjZFUnZsT1I4c1VDWTh4QzBjZ09lVWtQWDhOU3BadWhKR0lJVTF6LXI3dHhNRzdIVjQ0Zkt5U0wxZWtoaW5MalJjNEdVTlNfTkN1M01TY181ZkRkQzFfLUQzNWZFX3RxRUZmTDl2ekZjMEwwa2xmUk9kUU5Bbzg40gGfAUFVX3lxTE9fTHpKNVN2ZUVqdVFSbzVkbHYtT2hhQXhTWWktM2tIbktDUzBlcUJJd1dYblNWbWs1VE83aHdJZ0dmUzBaTjVEYXZNQl9FNlZCVDZBMFJ1ME5fLUlfaVozMy10MkpJaGtQUlpyYzVpTkszb3JpenFNcmxMRkNzdmNELXdKVHQ0SVBzMW83SUF5Vm9nLUpmNWU5Zk5vYnhJTQ?oc=5) · KFVS12
- 2026-08-20 [Despite Pleas From 'Joliet's Hometown Bank For Over 50 Years,' City Council Changes Banking Institution - Patch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUnR3TS1GemZ4dEZkZXlrUnUtWkZUdmR3ZnhfQ0VqN0xoeFN6V29jV2lrblNVdEsxbW94ajRlTmxJTFZyTVpIcUJFV3Y2eG9WWHQxYi1saU5iQVpvcG5WclQ2ME92aUdxay1ON25FWklMYXI3Q3dnT3FzaU1XSk82TVYxUEt5NlZvTElpc3FlTnNpeTZZVFZ4dVVodzJmV2N0akVlZDVrN19xbzdFZnlPZzZfYUZnU0VF?oc=5) · Patch
- 2026-08-11 [Credit Union 1 Amphitheatre in Tinley Park, Illinois, damaged in storms - CBS News](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVHBIM0p0ay0xUFJkMkpvOENjdkJxMVFkek1LZTFkLTFTcGFFaEt3TEVyVDdSd3NmVnAzQzZXZzdsVkxKUHJmZmpkTTViSzZQaC1LdElmZURJOXFzTE5lV21GUFY2NU9kSUFSOXpjRkFNQ1p0RHdLRjB4a1F2ajhGeW9oM1BMR09hMTNTRWkxTHZWc3RxdnVoZmtwLVh0ZEhuMkFV?oc=5) · CBS News
- 2021-06-01 [First Midwest Bank name to vanish in $6.5 billion merger with Indiana-based Old National - Chicago Tribune](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPdlc4bWNGaU95QnlaY1FCQ2JUUS0wLWFMR2FmVl9QSUVjdm1FTkV6UndTQ0t5M3RodF9FeDFEQ3dFN3EwSGdCVVdaNGVHOU44YWNwcGpRTFh3amZNd2VyOFRzaDZBeWJIQ3cySExZdjlXUTNuN20wRk5NcFBoR25GTnZwY2RaZFBJR0FxSk1pZGdZc3R6eGdCVE5lN1FKNkZHeWU1TXJ1QlhDTWgycy1vbG10TlUxdVRwZHRhbXg4T3pWdU96SGFjaA?oc=5) · Chicago Tribune
- 2021-06-02 [Old National would broach Chicago in $2.5B First Midwest merger - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxQZWxyTUZGWnMtdGpmQTB5S3ZsTEJrN0lDTHdISVJQeGkwUmpjSUk2UXZMdkdpS3VNT3NwS3NxeU9FUURxSzlVWVZqbjRNQWUyV19meGVYWGNDTnJzUTUyNFV0a2VEanc4N1RXQWpVTHBSaGc1QllaUlFHZHNYZU1La0VOczZ0RFV4ZXhJWXFZM0lvZzhZdXpEQkZ5X3RURDVWZzlfRA?oc=5) · Banking Dive
- 2021-06-01 [First Midwest Bank in $6.5 billion merger with Old National Bancorp - Chicago Sun-Times](https://news.google.com/rss/articles/CBMipAFBVV95cUxNOXp3RnI1aWdfVThvX3VZTEpEcnY3RkhWcGh0THYyRDJwdkhldjlzUlphM0x3eWMtckw1d1Z1Sm5VeFNEU3YwazNYQXFjRjNBMEVGVTlITFpqQVdQT253OFJwNDBPcDNSaTkxWjN2SDR4VEZXRFNhU2JhbExRelJ6SE9qeGg0Z1hqWFlaUjdxM0pOSEg2aklLd1ZlSy1tTEVPVkxYcQ?oc=5) · Chicago Sun-Times
- 2022-02-16 [Old National Bank officially completes merger with First Midwest - 14 News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNYXVjUkZqU2dZdTM1R0JWdldsTXlCT0hOSUNWYVhCMDdIZ1Y2QXpyUGxWWF8yenpxY0NjS1dpbHZDbm9JbXN4S3Z1TzJsNTU1d1BwR1pycTRiRldQUzdSOGtVenFQNTB0bU4zaS1US3UtZkY2X1pqRUR4bmxSa2dmZUYxelBaMmtrcGJPbDZ2TG1sZ9IBpgFBVV95cUxNTnJYb1d5V1ZfLXFmM0QtQXotMjJpM012OVZwRHNCc3RLRWxEZlNUZTVEZElpMDd0M3MtcTV3Z3BGT05UR2VkaXdYZXVTckZ3MG9Fd0k1MHM2bVdYZkdXbkhQMkhBdUc5eDVpaFJQQUVPd3RlZEIzS0FxUVRGSWUxeHdPeWx4SENVem15bkMwNWpaZWxwd29Lak5BWnZodFF0SU5saFBB?oc=5) · 14 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3709 (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/61.json (key "3709", 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