# DUPAGE NATIONAL BANK
WEST CHICAGO, IL · FDIC certificate 5732 · asset band <$300M · latest filing 2013-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $53.5M | |
| Deposits | $51.9M | |
| Loans and leases | $25.5M | |
| Total equity | $1.1M | |
| Loans / deposits | 46.39% (p16 of band) | 69.26% |
| Liquid assets / assets | 36.78% (p54 of band) | |
| Uninsured deposits / deposits | 12.53% (p50 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.94% (p0 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | -1.21% (p69 of band) | |
| ROA (annualized) | -3.39% (p1 of band) | 0.76% |
| Net interest margin | 3.25% (p30 of band) | 3.63% |
| Efficiency ratio | 222.57% (p100 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.94% |
| Net charge-offs (annualized) | -0.08% (p4 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 15.42% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 8 | construction >100% equity |  |
| 2011-09 | 9 | capital falling |  |
| 2011-12 | 9 | charge-offs p90 | construction >100% equity |
| 2012-03 | 7 | deposits shrinking, assets shrinking | leverage <5%, capital falling, charge-offs p90 |
| 2012-06 | 8 | uninsured deposits leaving |  |
| 2012-09 | 7 | capital falling, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 11 | leverage <5%, deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 11 | assets shrinking | charge-offs p90 |
| 2013-06 | 11 |  |  |
| 2013-09 | 11 |  |  |
| 2013-12 | 8 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-26 [At Home with Merle Burleigh – November 26, 2025 - City of West Chicago, Illinois](https://news.google.com/rss/articles/CBMiekFVX3lxTFBCeGtaenNubExUbldMZkpqWFVTQk01XzZqcDZPUkt4ejQ5aWQ3ZTBUaVN5Z2pKSXJfSkpFQzBUWEpobi1saHA3cndXMmY0UktPdjQ2VnpGU3NxX3lmWl90eks2bkdkdEpST0duLUlkZGEzWDhvUTRFZjln?oc=5) · City of West Chicago, Illinois
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2025-12-03 [At Home with Merle Burleigh – December 3, 2025 - City of West Chicago, Illinois](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8xcDRYMTNGcU5MTElfd2VONFdxdUhkR05NcTJXY09VdnRhZG9Vd0xCeTJzN0Rpc1VCRTBiM1M0dkNVQUhvNmZ3RDV6WVRXTFZpTk1zYjhtQVRuVnlsSVItbjVpaW1PVWs?oc=5) · City of West Chicago, Illinois
- 2013-04-09 [Julie Janowiak Obituary (2013) - Countryside, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUlBXaWZUdmQ5YzY2NExmZlFmMi1DZzI3TnVfbzlQclVTNVNNekdqTjl0RUh6eDlFWVBWTzBscE1fTDJLTWgzT0gwOGFOZ0pUQWhvT3A3bXFPLWtpVUVnSVdvb0VvSEpnZDk3TVVURVJLUFJsdUVTc2I0MGpyWnoyNGUxQ0Nsb1ZOcVBXSGhINVgzRUdpUnc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5732 (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/36.json (key "5732", 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