# TOWN CENTER BANK
FRANKFORT, IL · FDIC certificate 58214 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $180.6M | |
| Deposits | $138.3M | |
| Loans and leases | $142.2M | |
| Total equity | $20.4M | |
| Loans / deposits | 101.70% (p93 of band) | 73.59% |
| Liquid assets / assets | 18.74% (p19 of band) | |
| Uninsured deposits / deposits | 24.26% (p66 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.07% (p86 of band) | |
| FHLB advances / assets | 11.07% | |
| Tier 1 leverage | 11.38% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | -3.85% (p61 of band) | -6.57% |
| AOCI / equity | -0.56% (p42 of band) | |
| ROA (annualized) | 0.25% (p11 of band) | 1.17% |
| Net interest margin | 3.97% (p52 of band) | 3.93% |
| Efficiency ratio | 72.95% (p67 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.70% (p98 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 36.30% (p69 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 5 |  | wholesale funding >15%, noncurrent p90 |
| 2011-12 | 6 | capital falling |  |
| 2012-03 | 3 | assets shrinking | charge-offs p90, reserve under noncurrent, construction >100% equity, capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 5 | reserve under noncurrent, deposits shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 6 | uninsured deposits leaving |  |
| 2013-06 | 6 | noncurrent p90 | uninsured deposits leaving |
| 2013-09 | 6 |  |  |
| 2013-12 | 4 |  | assets shrinking, deposits shrinking |
| 2014-03 | 4 | capital falling | losing money |
| 2014-06 | 4 |  |  |
| 2014-09 | 2 | uninsured deposits leaving | expense ratio p90, noncurrent p90, capital falling |
| 2014-12 | 2 | expense ratio p90, charge-offs p90 | reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 2 | losing money | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | losing money |
| 2015-12 | 2 | assets shrinking |  |
| 2016-03 | 2 | deposits shrinking | expense ratio p90 |
| 2016-06 | 1 | expense ratio p90 | assets shrinking, deposits shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 1 |  | deposits shrinking, assets shrinking |
| 2017-09 | 3 | capital falling, deposits shrinking |  |
| 2017-12 | 2 |  | deposits shrinking |
| 2018-03 | 0 |  | expense ratio p90, capital falling |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 | expense ratio p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | noncurrent p90, reserve under noncurrent | expense ratio p90 |
| 2020-06 | 4 | loans exceed deposits, wholesale funding >15%, capital falling | noncurrent p90 |
| 2020-09 | 5 | noncurrent p90 |  |
| 2020-12 | 3 |  | capital falling, noncurrent p90 |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 | assets shrinking | loans exceed deposits, wholesale funding >15% |
| 2021-09 | 2 | noncurrent p90 | assets shrinking |
| 2021-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | losing money, expense ratio p90 |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | deposits shrinking, assets shrinking | losing money |
| 2023-03 | 4 | charge-offs p90, uninsured deposits leaving | expense ratio p90 |
| 2023-06 | 5 | loans exceed deposits |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 | capital falling | assets shrinking, loans exceed deposits |
| 2024-03 | 3 | loans exceed deposits | deposits shrinking, charge-offs p90 |
| 2024-06 | 1 |  | uninsured deposits leaving, capital falling |
| 2024-09 | 0 |  | loans exceed deposits |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2025-12 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2026-03 | 3 | loans exceed deposits, capital falling |  |
| 2026-06 | 2 | charge-offs p90 | reserve under noncurrent, capital falling |

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

- 2026-08-17 [John Buck surrenders West Loop development site to JDI after loan note fire sale - The Real Deal](https://news.google.com/rss/articles/CBMingFBVV95cUxOZUFQQnBJaHpuWHJ2U1JHZ0FzcUFtLXA5Slk5WGVMX0dxOFJXNXZKdE9HX0t4RkduQ1JJT184TjRKUzBiZTdGQ0FaNzZXLUd4cFhHR2liaXFxUmVDRjE1Z3NtQjBmMV9hRFNUOWNjZ0pqVmMzdm4xenJVcUVMQ1ZmTk1NR25jbTEzc3ZiZW5HcjJReEJjc055MkRPM0IzUQ?oc=5) · The Real Deal
- 2023-04-03 [SBNY Stock Price and Chart — OTC:SBNY - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1SUWZucndXdzBWZW5zYmNUX1NlbnhiMW50WWlVak4ybDg1Z21maFRxQWhicDFNWGM2MU5XY05Db2NHbHFYaWs2VHhrMFhsU0huTEtnTm9kTGE?oc=5) · TradingView
- 2025-12-18 [New Lenox business owners say cars returned after forfeiture are damaged - Chicago Tribune](https://news.google.com/rss/articles/CBMihAFBVV95cUxPR0dteXFUUHd6b0FlVWtOZ205UjNVVDVqSlgtbXNPN3pTWjBXOHJTMlZ1a2d4Uk9aMXNXSzRPVHZVRkdqR3UzQlA5NTJlZnoyVVJLX29Kbl9mS3NXQ19LVWdUYzJJdTYwWGUyVGRNWXlpN3IzV3g5TC15eWtQRDlySHZQNlk?oc=5) · Chicago Tribune
- 2021-04-08 [Bank Robber Confesses After Smoking Cigarette: FBI - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxQOS02WGpRRjZIVkN0LThHQXFGN2w0d1lOUkNPOFhZbEF1Q25UQ2lVd1pEU1VFbUFyOWczY1l2ZGdOTFlnUm1OdmdSOUpZelhnakxzdTRfZ29IcDhqMV9xMWhzbW5hWk1qQ3g5enIydUExeVZyMVFEckIzSEdLU0VJQXNydHI4cjVra3g1dkRObGg1NDM3Mmc?oc=5) · Patch
- 2017-12-02 [CNAF Stock Price and Chart — OTC:CNAF - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9zd25rcW5qYXJIUVZ4T0RpTl9EQ0FQSTlPc3UxdXZJcWY2TjVMQWR5S3R6QlhrUWNFR2wwVkFaS2ZtYkYtV2pTdkZBNHhVYlJVWjFNOFlLU1Y?oc=5) · TradingView
- 2012-05-09 [Nicholas Zsuppon Obituary (2012) - Chicago, IL - Daily Southtown - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa0RoOGtXSUUxaFBxYVJiMHplMDduMTJLY1N2RDBObmJhUUhJbU1pR2FfdW1oYmlpcDU5WGJDcEtJRHV2SFBadEk0djZudTRINjRHZ05pQ3NUcGx1VWhrS3NCbWY3Wno0dFNhMU9QdGU0UWRyZ3NOajNpeDhXalhRODZTVXZtYkJpSEtpR3RnQ3c2Nnh4TklSVjQ0QQ?oc=5) · legacy.com
- 2017-07-24 [MTFC Stock Price and Chart — OTC:MTFC - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9DNjQ1T2lzc2FvaXpfdDhndFVYQXRqcHUzalJhXzlyTUtiZjgtZ0w4dldYX3Y3YUdJSXo3UkppT0s4a05jWDdDb2paQ05idTNCZllLUVRWQTU?oc=5) · TradingView
- 2026-08-17 [John Buck Loses West Loop Site to JDI Realty - Hoodline](https://news.google.com/rss/articles/CBMipgFBVV95cUxNX3RpbXhidng4V1BOb2pDeFFzWVkyYktsVjd3LUxlTnpSRzJRd1hJakRYdDNQT3JkbXlyTGlaTnN5RUJaWWtwd2NlWUFnNjdKUmxFU0hJb3FqbTdVRFp6SUtzcXpMRkVuWUNnZ0ZnazdUNWRZR0p6Q3J2cTF4QWNVTmVWUE44MFRRdkotUGViYTRkd1k4MndnMnVrcUY2cm9lTU5OZDZB?oc=5) · Hoodline

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58214 (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/38.json (key "58214", 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