# AMERICAN EAGLE BANK
SOUTH ELGIN, IL · FDIC certificate 57359 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $484.7M | |
| Deposits | $363.1M | |
| Loans and leases | $442.8M | |
| Total equity | $40.7M | |
| Loans / deposits | 121.64% (p99 of band) | 82.04% |
| Liquid assets / assets | 6.21% (p1 of band) | |
| Uninsured deposits / deposits | 14.89% (p13 of band) | 25.97% |
| Brokered deposits | 26.09% | |
| Wholesale funding | 42.20% (p99 of band) | |
| FHLB advances / assets | 16.11% | |
| Tier 1 leverage | 8.53% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | -0.19% (p3 of band) | 1.28% |
| Net interest margin | 2.52% (p3 of band) | 3.91% |
| Efficiency ratio | 110.80% (p99 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 719.62% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 113.15% (p90 of band) | |
| Auto loans | $211.8M (47.83% of loans; DQ 0.29%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, auto book souring |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | reserve under noncurrent |  |
| 2012-03 | 6 | capital falling, charge-offs p90, uninsured deposits leaving | brokered >10% |
| 2012-06 | 4 |  | wholesale funding >15%, uninsured deposits leaving |
| 2012-09 | 3 |  | charge-offs p90 |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | brokered >10% |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 1 |  | brokered >10%, capital falling |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | brokered >10%, liquid assets <10% |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | uninsured deposits leaving |  |
| 2017-06 | 4 | wholesale funding >15% | liquid assets <10%, uninsured deposits leaving |
| 2017-09 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2017-12 | 7 | capital falling |  |
| 2018-03 | 5 |  | loans exceed deposits, liquid assets <10% |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | wholesale funding >15% |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | deposits shrinking |  |
| 2020-09 | 5 | assets shrinking |  |
| 2020-12 | 3 | wholesale funding >15% | charge-offs p90, deposits shrinking, assets shrinking |
| 2021-03 | 3 | charge-offs p90 | wholesale funding >15% |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | wholesale funding >15% |  |
| 2022-09 | 5 | loans exceed deposits |  |
| 2022-12 | 8 | liquid assets <10%, capital falling, construction >100% equity |  |
| 2023-03 | 5 |  | auto book souring, charge-offs p90, liquid assets <10% |
| 2023-06 | 6 | auto book souring |  |
| 2023-09 | 4 |  | capital falling, construction >100% equity |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | NIM <2.5% |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | capital falling |  |
| 2025-03 | 5 |  | capital falling |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | construction >100% equity |  |
| 2026-03 | 5 | liquid assets <10% | auto book souring, construction >100% equity |
| 2026-06 | 7 | losing money, expense ratio p90, construction >100% equity | NIM <2.5% |

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

- 2026-07-10 [MSU Federal Credit Union acquires its 4th Chicago-area bank - Crain's Detroit](https://news.google.com/rss/articles/CBMimwFBVV95cUxOYnFMTG5WcXkwY2c5NnpFbjBzemVVZDJaSWJ2QTF6SEV3MFk5WnU1eFdxakRYRUJUTzNXQm9WUThSM0ZFOUlJanlPX1ZfUWNyRVhPMGFkbm5CWXNKNzJiOW0tQnFmM19pbEJUR3ZLZjhNWlV1aUVNczM1UTBLNEo4bzRwbHMyTGxBVXRvSnFUMnQxNC1vT3VubFRnYw?oc=5) · Crain's Detroit
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGx5cWRnX3M1WmFBczB1UkNfTG5UT0x0WVp0ZWc3UHdqRVoxSEtvQVdxdC1DLWM4eVduOFhqWnFKbGV4MjZlVjRZZlJlZVRFaGxNZDE4dVZJVkFNQ3NseFFhS2pveDlIMmhMTnNUZFpEdUNaRVJJQnpTRnhaS0d3U05oSQ?oc=5) · Newsweek Rankings
- 2026-08-09 [Recently sold commercial properties in DuPage / Cook County: July 1-31 - Shaw Local](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNMC0xRE5HeUIxTm1SVklmZnhodnQ1OWltYnFIRlhpOThkc1Q1aTBzc19qS1otM2ZtQWpCMmdNTk5Kd0RrNkJkTFdVMFZ6OVdTZ3FVX2Zqc0piaE5DMXhwcWZfajZqMUQ0d2t4NERzUlY4dDBzQjNTUC1VU2JZU2Y0bHFMZTBBRmUyb0w3SlVCTHl2VjRRc0xCUUxjX2xtcUcwMkNTZTBWUFZuTUVpdkk2eWFCV1ZXLXBH?oc=5) · Shaw Local
- 2025-11-06 [News | From pastries to potential apartments: Longtime Dinkel’s Bakery site in Chicago goes up for sale - costar.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPMGNtNC1ON2x4RVdpTmFYVENFQ25ZLWVjcWNhSldJNWNub3dFOTFEXzJ2NHVTN0FVZ0wyLTItcVB6ZU5DeHdhb1JJdFBaNWx1RF83aHNpSE5UREVlNUtkTHZkSDAzdE50M2dvcVZaWmd6ZWFsR3VuRUdlNEZlcjdCekNJRXltRTEwRERjdVFiM04xSUc5YnJodHd0ZTZVc29OMmczUXdmMHNKa3U0SUpwLW4wOE1LQ2MzQWlnemFCOG43dmhMeEhWZTQyd0tybkFyYUE?oc=5) · costar.com
- 2026-05-22 [Arrested At Hammel Woods Forest Preserve: Shorewood Woman May Lose Vehicle To Police Forfeiture - Patch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOR1JOZ29NY2lkUUZOVS1ucVBGTDgwaUhUVWgtV0pRRDlORW5PZDBOakU4UG8wak9kYV9LaHZJSlJaQlhfcjNROG1aQXlxZ1FBd0pJVkpPYXdHWFZuNEpJQWdabk9pNFhMMmhWMTliNDVtcWptUUJHZmlaY3Njb2FuTG9VUUlHUWJTR0lGeTgyUkp0N25hRkZTQ3RkSXdJdHB4WDRDcE92Q1RIZGdhc014elY4Y25XZHFL?oc=5) · Patch
- 2026-08-09 [Recently sold commercial properties in Kane County: July 1-31 - Shaw Local](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSXYzTFlaM3Y4aWdZQU84MXlZZE96TnB2RWE2SDhTeUZtOXlFaE1mZU5lbHBZZmg5eDNDT1Z6MHJoUThuMzNoRzJwc2R2UVB1NVE1Y0VDcjZ3QTBJVjRQcXFRQm04bGlKbjFLcktCNm5lTENBelJLcWpWMzF0T1E4WHc4blBaNnl5aDZ5dGJTcmg4MEJXcm9qREpreG5Tb0JQeml5bTY4dTVfTFZuS3hR?oc=5) · Shaw Local
- 2007-11-09 [Paige Stibgen Obituary (2007) - St. Charles, IL - Daily Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPemJEOGVVcXd3N2Fycnd4REJOOG1kVWRGT01TZDF5aWQtNTBTZzVzZ0c0eUdsN0drODFaalFOMko5THQwYWlqbzRwYllOY2I4Tm5Jd01WUE1IZV8zSFNsLWY0T0xQTUtrelFBQVd4OHctbzdSMWdROXd1SGVydmpwMEpaYTBaRVhYeTZ3Mzc2WVJmdw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57359 (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/15.json (key "57359", 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