# FWBANK
CHICAGO, IL · FDIC certificate 59195 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $206.7M | |
| Deposits | $176.1M | |
| Loans and leases | $135.6M | |
| Total equity | $26.5M | |
| Loans / deposits | 75.98% (p55 of band) | 73.59% |
| Liquid assets / assets | 31.84% (p49 of band) | |
| Uninsured deposits / deposits | 36.55% (p90 of band) | 19.81% |
| Brokered deposits | 9.03% | |
| Wholesale funding | 9.03% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.51% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -5.82% (p54 of band) | -6.57% |
| AOCI / equity | -2.17% (p10 of band) | |
| ROA (annualized) | 0.64% (p22 of band) | 1.17% |
| Net interest margin | 5.10% (p91 of band) | 3.93% |
| Efficiency ratio | 80.68% (p80 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.22% (p93 of band) | |
| Reserve coverage of noncurrent | 1127.33% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 21.50% (p55 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 | 4.0% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-09 | 5 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, NIM <2.5% |  |
| 2021-12 | 4 | uninsured deposits >50% | brokered >10%, wholesale funding >15% |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | uninsured deposits >50% |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | NIM <2.5% |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | noncurrent p90, reserve under noncurrent | expense ratio p90 |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 | charge-offs p90 | losing money, noncurrent p90 |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | capital falling, charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | 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=59195 (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/59.json (key "59195", 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