# AMALGAMATED BANK OF CHICAGO
CHICAGO, IL · FDIC certificate 903 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.33B | |
| Deposits | $1.14B | |
| Loans and leases | $851.3M | |
| Total equity | $140.6M | |
| Loans / deposits | 73.75% (p22 of band) | 87.10% |
| Liquid assets / assets | 32.83% (p80 of band) | |
| Uninsured deposits / deposits | 52.38% (p92 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.02% (p29 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 11.41% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | -0.87% (p89 of band) | -7.75% |
| AOCI / equity | -0.11% (p65 of band) | |
| ROA (annualized) | 1.13% (p40 of band) | 1.26% |
| Net interest margin | 3.53% (p38 of band) | 3.70% |
| Efficiency ratio | 66.14% (p71 of band) | |
| Noncurrent loans | 0.67% (p61 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 151.40% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 63.42% (p65 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 149 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | leverage <7%, noncurrent p90 |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 4 | NIM <2.5% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | uninsured deposits >50% |  |
| 2013-06 | 7 | deposits shrinking, assets shrinking |  |
| 2013-09 | 6 |  | NIM <2.5% |
| 2013-12 | 4 |  | deposits shrinking, assets shrinking |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | deposits shrinking |  |
| 2014-09 | 3 |  | leverage <7%, deposits shrinking |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | deposits shrinking |  |
| 2015-06 | 3 |  | deposits shrinking |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | expense ratio p90 |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | capital falling |  |
| 2016-12 | 7 | deposits shrinking, assets shrinking |  |
| 2017-03 | 6 |  | capital falling |
| 2017-06 | 4 |  | deposits shrinking, assets shrinking |
| 2017-09 | 5 | charge-offs p90 |  |
| 2017-12 | 6 | capital falling |  |
| 2018-03 | 3 |  | expense ratio p90, charge-offs p90, capital falling |
| 2018-06 | 6 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2018-09 | 4 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 3 |  | charge-offs p90 |
| 2019-03 | 1 |  | reserve under noncurrent, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 2 |  | charge-offs p90 |
| 2021-12 | 3 | NIM <2.5% |  |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 2 |  | expense ratio p90 |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2023-03 | 3 |  | uninsured deposits leaving |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 2 | uninsured deposits leaving |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | reserve under noncurrent | uninsured deposits >50% |
| 2026-03 | 1 | uninsured deposits >50% | uninsured deposits leaving, reserve under noncurrent |
| 2026-06 | 1 |  |  |

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

- 2026-02-19 [News | Chicago bank plans headquarters move to 23-story tower - costar.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZnFJel85eXZWbjJBaTR1LV9DeFB5ZFBQci10YkE1OGVpVXZSYkJYMVU2WF9NX1NuS2dXeFdJaVNxMVdUTFZ4NTBPYUtFa0NVUzQ5VUJjY1hUTFhaVDN1RUZhYm5Cc29vTXRFNXBTYXVQRTFoVVA1S3lFeFNvYWJvTEZlSW03Y05oVmlzZV94bXVhU1JSTXFhcWNReE8?oc=5) · costar.com
- 2026-02-20 [Amalgamated Bank of Chicago heads to 101 North Wacker Drive - The Real Deal](https://news.google.com/rss/articles/CBMioAFBVV95cUxOelRvLVlCRFVyajFDcEt3VFpLSW0zNzZBR2kycTl5WVRfTmdnaVMwUmxGeEduNU5qNVExaTBSMHMtMklXdjMyZHRpZDNXZ3RsS1F5REpYdXFSc1dPTXpmSHhJNnJrcFl5UndCU0RSZWowOGZKSlZyMWIxZ0RybVdMT0JFWjYxNy14UUt1VklpMk03UlliOXkxQ0hvMzBHNXpU?oc=5) · The Real Deal
- 2024-07-08 [A new name, new look and new mission for Amalgamated Bank of Chicago - Crain's Chicago Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSmw2T0dSMzNWN1QyMktPOGZ5Y2RJU2tvZVRZRUI0NmRWcE5qd25Gel80UTF5TG51WC1OQmRiZkdMZllNSl91UjFkMWVWOG1SYkx6elpOdWJIZlV6VV9NYjIxUUliUmU2TlFnejQyYkhPTFE2SWNMS1FCbzlFV3FtZkNSd1RfTHZfam0yUnpZdk0?oc=5) · Crain's Chicago Business
- 2024-04-01 [Amalgamated Bank of Chicago appoints Nick Weaver new president, chief operating officer - The Labor Tribune](https://news.google.com/rss/articles/CBMisgFBVV95cUxOVndhc0R3U0xhN2FqaEJ3bkd1X3Vzejh2ZGFyQWhDUm43dGotNExsUXBmQWVjdE1qaUVOa0FZemtOLVpuU0dkaGJhS2RVTktNcHIxenJHSFpVN1dIZDlVQzYtbzc0MXJqMTlJRmFNeFFBZWRlemZ0QkFiZGJlcWJHTDhpYnpuUGJoQVpuNnFjazBNTkdOdU1ySTRjNVZJQVRNcjhkY3BIMF9aTmgxeVpzNnRn?oc=5) · The Labor Tribune
- 2024-07-16 [Chicago bank to expand in St. Louis region - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQNEZqcW9SLVRDNVlHb1lIS1UxNGRpbFV6SF9KcmtqRV9iQUlGLTdHQVZBdksxdGQ0OHlPMGhpdGR5M0dpTFZIQUlwR1JxdTYxUlJhUTFqdnA3bHN2d0hiNmQtNzRMMjFnZFVGM09qY05WU19vcWVkUW5WMmQyaEN0X3YwU3M4T2hCNFFRWDlwWHFRREotVVVXMEE5U3BDQQ?oc=5) · The Business Journals
- 2022-02-25 [Buyer of Chicago’s Amalgamated Bank scraps deal - Chicago Sun-Times](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOOVBUbk01NS1VdGFKTHk5cHlsM05IczBMNVJFSGlfS0VWNEZOMmRuckh2aUlpQkc3S004b0FRVlhseWY5RmV6TDhQZjVfbmU4NlpfYmxocXJBNFNzNDViRXBMa0NqNnk0VTFjSDdnYkVqOFZFZUxiQzVjS2xBc0pkOGRRckQ4bHNYbkxjeENUNHJfMl95MlpEbnBBMllDb2VDNzhXLVJNSmM5TnlxN0Z6Tm93VXFBeWs5MlpYbW5haG5BWDEwSUpKR0xPU3Q3RXUy?oc=5) · Chicago Sun-Times
- 2024-08-05 [Amalgamated Bank of Chicago becomes ‘ABOC’ as part of major rebranding and expansion effort - The Labor Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxNSjNxemRGTlI5VGNRaHNham00Mng2al9fMTJMMW15Y3MtQTVZdW9TcWMweWQ3eUJ6M3pMLXlvRGlOS3hab0ZNYnZBT3V1anR5WFFsLXNxX0lXSEZCZFIzWndBS0VwTFR4eGtlaGpfVE5zcFdrdHF2MXZrNU1jSE9EbFZLeTdJS1NHQ2RqZkV5b0JaVV9HaXNpWnN4QnhFMTBIR3RkVzZmdUdfbDVUbWprdm45R1Rpdw?oc=5) · The Labor Tribune
- 2025-10-30 [FHLBank Chicago Awards $5.9 Million for Developer Program to Empower Emerging Leaders in Affordable Housing - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPUDZKMEcteXdmNXZ2NzNSOWhuaW5lOC1SV3Y5RjBDRjNmWERrYXVDLUJ1N1dCbWxiSnFWV3VXRmQtNEU2UVJ1bmhzMDZmenNBMUhkUlFPNURwcjhySHpTb2RSU1lUZHNZZFNDMmZ6a1NXcl92bVNTTzlPZjh4cEZkZi1hUnczUE16cVl3ZDd4UXFsQ2wyeHFvazFZdHlvVFRGcGdQdE1GN0oxblFCajI3YWotclBpejVpYmM4ZVFyS2RaWm5uYWZtZEN4N1JNLVJQVUxjRUpiNkRxaG8zZ0FpSWVuQWNpem5zZnEyWTd0X0FOYWpyMG9RNmF3?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=903 (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/7.json (key "903", 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