Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 17.1 percent and a “hot money” ratio of 16.9 percent. A current level of 7.1 percent of nonperforming loans to core capital combined with 7.6 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Comm re (35%), comm loans (27%), securities (17%), cash (15%), other (6%)
States with Branches:
IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
--
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
--
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
FWB Financial, Inc.
Investment Rating
--
Address
29 North Wacker Drive
Chicago, IL 60606
Chicago, IL 60606
Phone Number
(312) 690-4522
Year Founded
2021
FDIC Number
Website
Largest Affiliates
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