# EDGEBROOK BANK
CHICAGO, IL · FDIC certificate 57772 · asset band <$300M · latest filing 2015-03 · 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 | $90.0M | |
| Deposits | $90.0M | |
| Loans and leases | $74.1M | |
| Total equity | $-452,000 | |
| Loans / deposits | 78.76% (p65 of band) | 70.43% |
| Liquid assets / assets | 15.79% (p11 of band) | |
| Uninsured deposits / deposits | 2.73% (p5 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | -0.50% (p0 of band) | 10.49% |
| Unrealized securities loss / equity | – | 1.32% |
| AOCI / equity | – | |
| ROA (annualized) | -19.18% (p0 of band) | 0.80% |
| Net interest margin | 3.04% (p22 of band) | 3.57% |
| Efficiency ratio | 236.73% (p100 of band) | |
| Noncurrent loans | 14.80% (p100 of band) | 0.77% |
| Net charge-offs (annualized) | 9.46% (p100 of band) | |
| Reserve coverage of noncurrent | 29.18% | |
| Real estate % of loans | 88% | |
| Construction % of loans | – | |
| Auto loans | $9,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -0.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | noncurrent p90 |
| 2011-09 | 5 | noncurrent p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 3 |  | leverage <5% |
| 2012-06 | 4 | losing money |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 8 | leverage <5%, expense ratio p90, charge-offs p90 |  |
| 2013-03 | 6 |  | losing money, expense ratio p90 |
| 2013-06 | 6 |  |  |
| 2013-09 | 7 | losing money, expense ratio p90, construction >100% equity | leverage <5% |
| 2013-12 | 9 | leverage <5% |  |
| 2014-03 | 10 | capital falling |  |
| 2014-06 | 6 |  | charge-offs p90, losing money, expense ratio p90, capital falling |
| 2014-09 | 6 |  |  |
| 2014-12 | 8 | expense ratio p90, charge-offs p90 |  |
| 2015-03 | 8 | losing money | construction >100% equity |

## 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57772 (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 "57772", 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