# OLD PLANK TRAIL CMTY BANK NA
NEW LENOX, IL · FDIC certificate 58314 · asset band $1-10B · 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 | $3.53B | |
| Deposits | $3.12B | |
| Loans and leases | $2.50B | |
| Total equity | $294.6M | |
| Loans / deposits | 79.79% (p32 of band) | 87.10% |
| Liquid assets / assets | 25.99% (p67 of band) | |
| Uninsured deposits / deposits | 26.71% (p36 of band) | 30.76% |
| Brokered deposits | 10.07% | |
| Wholesale funding | 12.98% (p74 of band) | |
| FHLB advances / assets | 2.83% | |
| Tier 1 leverage | 8.82% (p9 of band) | 10.50% |
| Unrealized securities loss / equity | -28.75% (p10 of band) | -7.75% |
| AOCI / equity | -1.60% (p7 of band) | |
| ROA (annualized) | 1.19% (p45 of band) | 1.26% |
| Net interest margin | 3.19% (p22 of band) | 3.70% |
| Efficiency ratio | 47.72% (p19 of band) | |
| Noncurrent loans | 0.28% (p31 of band) | 0.51% |
| Net charge-offs (annualized) | 0.18% (p85 of band) | |
| Reserve coverage of noncurrent | 216.33% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 20.19% (p18 of band) | |
| Auto loans | $60,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $74.7M (25% of equity) (p93 of band) | |
| Deposits YoY | 12.4% | |
| Employees | 173 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, losing money |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent | losing money, capital falling |
| 2012-03 | 3 | losing money |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 |  | brokered >10%, losing money |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 2 | capital falling | uninsured deposits leaving |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | losing money |  |
| 2020-09 | 1 | capital falling | losing money |
| 2020-12 | 1 | expense ratio p90 | capital falling |
| 2021-03 | 1 | NIM <2.5% | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | NIM <2.5% |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 4 | brokered >10%, charge-offs p90 |  |
| 2023-09 | 1 |  | capital falling, brokered >10%, charge-offs p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 3 | brokered >10%, capital falling | charge-offs p90 |
| 2024-09 | 1 |  | brokered >10%, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | brokered >10% |  |
| 2025-09 | 2 | capital falling | brokered >10% |
| 2025-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | brokered >10%, capital falling |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58314 (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/10.json (key "58314", 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