# LINCOLNWAY COMMUNITY BANK
NEW LENOX, IL · FDIC certificate 57971 · asset band $300M-1B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 4 (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 | $317.9M | |
| Deposits | $291.3M | |
| Loans and leases | $218.5M | |
| Total equity | $26.4M | |
| Loans / deposits | 74.36% (p48 of band) | 75.42% |
| Liquid assets / assets | 28.16% (p48 of band) | |
| Uninsured deposits / deposits | 42.54% (p87 of band) | 27.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.04% (p24 of band) | 10.04% |
| Unrealized securities loss / equity | -0.99% (p95 of band) | -24.06% |
| AOCI / equity | -0.93% (p91 of band) | |
| ROA (annualized) | 0.31% (p5 of band) | 1.09% |
| Net interest margin | 5.06% (p98 of band) | 3.42% |
| Efficiency ratio | 68.96% (p68 of band) | |
| Noncurrent loans | 1.01% (p87 of band) | 0.22% |
| Net charge-offs (annualized) | 1.44% (p100 of band) | |
| Reserve coverage of noncurrent | 84.77% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 297.60% (p99 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 20.1% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | noncurrent p90 |
| 2012-03 | 1 |  | losing money, charge-offs p90 |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | construction >100% equity | noncurrent p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | capital falling, noncurrent p90 |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | noncurrent p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 1 |  | uninsured deposits leaving |
| 2018-06 | 3 | capital falling, reserve under noncurrent |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | noncurrent p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | noncurrent p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | reserve under noncurrent |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |

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

- 2022-04-28 [Wisconsin credit union targets Illinois bank in 6th such tie-up of 2022 - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxPM3AzQ20zN1A2bEMtcXpTUWgxMlRPRmEyQ0RyTUhHU0RCb25GYXEwY1BFTGlFa1hiejNUWUJPcGg1c2VfOEJoYnJwT215UnQ4S2ZkSFNvV01PWnRGX1BRSUlzTUpyTTZGeUhDVFl1SmFzX3BDZkg2cXo5SUtpamZvdVRLYjNDS0dVQWU1LThCc1lmUXRzXy1IS2dpdnFHSFVDVDBPME9NMWxmRFRYU201eHlR?oc=5) · Banking Dive
- 2022-04-28 [CoVantage Credit Union Plans Expansion into Northern Illinois - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOZUJJcWFRQkN1VHFVWXRnZGUwRjN5NDlab25FSElIQ2VINGd3aDlSTE1hMlJvNGFVSHBlWlZpQzUxczNPU09kQVRmdmY0ZElrdUZuNTh6dEx3UmJpcXpMVFBLNGdRUmQwc3Q3V2l5V2xZOTlRbDkycmtNT002cXZpZGVobjBPT2d1YnBvd2QwWEJpUmhLVmg1dkxjekZNMGR5Tkt5RkFzamFhUzJaU1B5NURFdlhEcXFZZmc?oc=5) · Business Wire
- 2022-06-03 [Illinois proves M&A hot spot with pair of credit union-bank tie-ups - Banking Dive](https://news.google.com/rss/articles/CBMivgFBVV95cUxQVzN2YmF4cWZkTUhiTzFVcXR1bXgtOXFfZnhnT1FFX04yZmllQVBnS3ozdjdPZUIwZThGb1ZxUGFheTNnR2lKbkdOY1psOERsckhfbnJSMWtuSld3d0ZFM0pha01abFVxNVdMY3lHMXRCcUdIQm1CcFZwdk1VZ28ySlZJcUU5c2lTcTNUVUxUcVQ2b0NzaUhaY05fM054MTFHUFhUM3ZSdjlRMHVjbnV2cm1IVExQNDFIRThYc3Bn?oc=5) · Banking Dive
- 2023-02-14 [Comings & Goings: Bed Bath & Beyond closing in Chicago Ridge, credit union acquires Lincolnway Bank, and more - Chicago Tribune](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQRDV3a3VJazduV2FMQzdPeURvb1ZiNDVjTTZrU1FzN1M4N0VXTGRwMS1QNHVfMk1sczk4UnJqMm5XdDZZZVItWVJkVXp5cjBTTGkzMW9kUmxZbUFaX1VzVnVFbXltYkN5bzFwU0p0M2ROMmVnY1BIamdFTGxBY1RGcW9kdVlYOEhGQjVPSG5fZ1JTc2dTbjBmcnl1SGtQeDgyU0w0MGFzRGgyQ3FIYkMtRXBSbHZBUWo3MzVsY3drbWppWnZ5SU5tV0tQMThaZnJCcW45aVV0R2hBSGdKTEE?oc=5) · Chicago Tribune
- 2016-05-30 [Robert S. "Bob" Schaper Obituary May 30, 2016 - Kurtz Memorial Chapel](https://news.google.com/rss/articles/CBMidkFVX3lxTE5RNGFTTFlGUnJpbVJSMUZiUHhyeDdSR0x0bGlKNmNibDZNNWFqdzJjNlhVYWgwYnZ4enBNMmJnMlppejZEdGV3UlZUQ3ZKSVFWM2NGS2QtQUVjbVRkWnY0RUlxTDhtaWloMjlrY0VqbWxLZjVJa2c?oc=5) · Kurtz Memorial Chapel
- 2014-10-24 [Almost $30,000 Raised to Repair New Lenox Veterans Memorial Damaged by Vandal - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPUGdtUUdVSkRTaU9jcGtiNGV2N3l5dkphN2ZvV09ja192aWdvbUg3M21rdTBXU0kxTlVVazZMNGRJQTBZRXhmbEcxcUQzTHIwQTRmQWE3ZXlzN1lRajlCMTFCMzhNOHlJQ3BqOVhKYkhqdUIyWG1zVGt1VGJnTVRBQjV0aHB4b0djLW5ERHE3MGxYaUZOMl9idmdRbzJ5c1Fvbk5EWjVqeTE?oc=5) · Patch
- 2022-12-07 [Iowa credit union buys bank in year’s 12th such tie-up - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWThhUUtKRjRCaEgzcmk0N2wwY055Y2lpOElGZFdLNFpLR2V6YVQ3SlJpYWJFN1g0WnBpVW1MbklpOEVqVjNQemNQUFh2V0VfS1JXV01kTVZXTXUxT21PakxQQ01Ea1hyS3BLeEFpSE9qSVpMVGZPUXRRcnBlaWtXN3VicHloY2NwanRDemFVZ1Blb3ZRSGRoa09TOGo5SU5DZ3Q1TTV5QWtCUQ?oc=5) · Banking Dive
- 2019-10-17 [Janice "Granny" M. Schaper Obituary October 17, 2019 - Kurtz Memorial Chapel](https://news.google.com/rss/articles/CBMiekFVX3lxTE9aMWh3OFM3U1dJU3VnUTU5RXl0eHNEd1dPdDJ3VWdzNDBscjllcUdVMnJ3ZVRLR2tCdDR1NUZMa1JlQ0pOY1N3OHRGT0JlYVBYV0ZRczExek5SMGxFMHNYS09OQl83dVMxLTBNSnpuMVpUOG9fLXdQRnRn?oc=5) · Kurtz Memorial Chapel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57971 (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/51.json (key "57971", 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