# URBAN PARTNERSHIP BANK
CHICAGO, IL · FDIC certificate 59051 · asset band $300M-1B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $438.8M | |
| Deposits | $391.3M | |
| Loans and leases | $340.2M | |
| Total equity | $44.4M | |
| Loans / deposits | 84.82% (p47 of band) | 86.08% |
| Liquid assets / assets | 21.18% (p46 of band) | |
| Uninsured deposits / deposits | 19.49% (p39 of band) | 22.10% |
| Brokered deposits | 2.45% | |
| Wholesale funding | 2.45% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p48 of band) | 10.52% |
| Unrealized securities loss / equity | -3.69% (p26 of band) | -1.90% |
| AOCI / equity | -0.71% (p57 of band) | |
| ROA (annualized) | 0.40% (p7 of band) | 1.13% |
| Net interest margin | 5.39% (p98 of band) | 3.77% |
| Efficiency ratio | 115.49% (p100 of band) | |
| Noncurrent loans | 7.81% (p100 of band) | 0.49% |
| Net charge-offs (annualized) | -0.41% (p0 of band) | |
| Reserve coverage of noncurrent | 30.91% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 1.67% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -7.8% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 5 | brokered >10% |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 10 | expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 |  | construction >100% equity, expense ratio p90, uninsured deposits leaving |
| 2012-09 | 9 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 8 |  | uninsured deposits leaving |
| 2013-03 | 9 | expense ratio p90 |  |
| 2013-06 | 8 |  | capital falling |
| 2013-09 | 9 | wholesale funding >15% |  |
| 2013-12 | 10 | capital falling |  |
| 2014-03 | 10 |  |  |
| 2014-06 | 9 |  | capital falling |
| 2014-09 | 9 |  |  |
| 2014-12 | 11 | liquid assets <10%, capital falling |  |
| 2015-03 | 10 |  | liquid assets <10% |
| 2015-06 | 10 |  |  |
| 2015-09 | 10 |  |  |
| 2015-12 | 11 | leverage <7%, uninsured deposits leaving | wholesale funding >15% |
| 2016-03 | 10 |  | charge-offs p90 |
| 2016-06 | 10 | charge-offs p90 | brokered >10% |
| 2016-09 | 9 |  | capital falling |
| 2016-12 | 8 |  | charge-offs p90 |
| 2017-03 | 6 |  | losing money, uninsured deposits leaving |
| 2017-06 | 5 |  | leverage <7% |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |

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

- 2018-09-06 [Chicago’s Urban Partnership Bank acquired by suburban Providence Bank & Trust - Chicago Sun-Times](https://news.google.com/rss/articles/CBMixAFBVV95cUxOQkszTlpWV1VUaDVPdkdOZnV6cWJHeUdMYlB0anFzX2ZrNnFSTnl3bV85WDhrSnlvQkVVM2JyamFTRTNNVVpQNHhxdEVjUm5WbTNXRG9wX1ExTkVheEdocHdWc1Nsd1hvMWVtODZDeC1MVjRKNWpNa1hQZDNZYmR2R0k2S1QyUWZ0SVYzeUJNZmdOME52clhMNFZBejJEdGNDLXRteFIyTW5TYllWZW45STZuX0R4MmNYWGdMOXM2SkxwQW85?oc=5) · Chicago Sun-Times
- 2017-05-09 [Minority-Owned Banks and Their Primary Local Market Areas - Chicago - Federal Reserve Bank](https://news.google.com/rss/articles/CBMid0FVX3lxTE1saGt4VGlKRkFLVFlvTElBNnlhWEMzUjRwX1BtQVBlRFNHY3VtaGN4UVBTQy12dHNpQ25wMnZoRWhkY1BPRU9qMWtzNWZOdE1IaWd5UTBjOHdld0dfQS14WmZ0VkRNV0o5S1M0S2gxQTE4UVBnZ05n?oc=5) · Chicago - Federal Reserve Bank
- 2025-01-29 [Member Spotlight: David Vitale - Civic Federation](https://news.google.com/rss/articles/CBMiR0FVX3lxTE1kQ00tenNJTkNQSXFVdFkxWU9oaW5FSUFTUDVzU2lXZU8tZWI2MGUyeHBsbWMxVEtBbFY3R0w0TmdTbGxUMTdZ?oc=5) · Civic Federation
- 2010-10-25 [Urban Partnership Bank draws on First Chicago alums to fill executive suite - Crain's Chicago Business](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPMld2SUVSNk9yUWZjRV9TcGhmTkFFc2ZNZlVWV1k4c3ZDYUF3M0MwU3dPY0lGTGgxUDN5UUpjVXNNZEhMdHJOSmhVdHNHSlRIeEVKU3J5VXFBX21vTV9sOGw2V0JUVXhzbndGWjJoSTgtNzNnN1gxTFBEX2p2dmpZNlpUeFI0QXFTZFh0WGdYeG16bHp1Sk5WUERlRV96dVlWMDNvTUFwR1pPYVM3QXFPTS1hc3NoUGk1a0NGRmZVb2hzc2lXSkJnc2VTTmpLbk1xTEZwOTN2ZFRyUQ?oc=5) · Crain's Chicago Business
- 2010-09-01 [ShoreBank fails, seized by regulators - Austin Weekly News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxON3daVzJXREYzWHJaYnR2UUZMeFZSNldrWFU4ZXBMa254TXk4VWpqOEc0cWFiVHhzX2RKXzRQMkJhTXhZajBzUTZpVHh1X2MzQzFYUmdKNVdaNE1SbzNsTXdma1VMN1JOVy01VXlMcFg4RWlONTltX05OejdpbzB4ZWY5UTNZNzcy?oc=5) · Austin Weekly News
- 2016-09-23 [Too Good to Fail (SSIR) - ssir.org](https://news.google.com/rss/articles/CBMiXEFVX3lxTE42UzNOY0dhcTV3TjJKakowWDF5ck9aZ1poUHhRMWJ0cEl4TzlOVHJGNHN0ZWd3OXlLR3dOSV9QaW85N2xFVjhkaGxZQ0Q0Rjdza1hUamVCNGJVQWRT?oc=5) · ssir.org
- 2012-02-18 [Building lending confidence at Urban Partnership Bank - Crain's Chicago Business](https://news.google.com/rss/articles/CBMivgFBVV95cUxOeDJiR29STGMtX1JCWTZmOVVUbW84OW5VT3prR0RkYklZMG4zZ1N0NUoxa1lQVDVoYjJhbW5ENWZWQ19RcGVNaVZGQ3NweVgzLU9FWW1xdTdYQW1xTVhobmQ4OWJEcUhlNkFsY1RTa3c3UjVFYWc4RnJxVlNwdnBqY3VXbXNqc29MN1o3YTlSeUF3dFFuNVJOdDYwRUNhSzAxWXpKdHg0MGtvQktGY09JcnFYN1JxYkd2THF3X3N3?oc=5) · Crain's Chicago Business
- 2023-04-26 [The Citizen Newspaper Group - The Citizen Newspaper Group](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYVdiVGl2b05WNHlLRHVJRElfYWVTQ05pQXV5VWVNZzM1SElVQmM1ck5kZm1nV2ZEVUFKUlo2VWloZUZCV05Sem1hYkpEYnF0RHo0RndSVWlvOFlJaWN1R3R6NU9NdXJjaUhodEducW1uMU9EMWV2NGdES3pHMDJQTUZWU2g3aVc4cnV2UUpNa2lDZ0pvZHc?oc=5) · The Citizen Newspaper Group

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59051 (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/43.json (key "59051", 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