Bankfinancial National Assn
Olympia Fields, Illinois · FDIC Cert #28808
Bankfinancial National Assn is an FDIC-insured bank (Certificate #28808) with $1.5B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Olympia Fields, Illinois, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 2.09%. BankHealthData assigns a composite Health Grade of D (45/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bankfinancial National Assn (FDIC cert 28808) is a mid-sized bank with $1.5B in total assets and $1.3B in deposits, based in Olympia Fields, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is elevated: non-performing loan ratio of 2.09% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 27.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.86% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bankfinancial National Assn carries a composite BankHealth grade of D (45/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bankfinancial National Assn
- Total Assets
- $1.5B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 2.09%
- Liquidity Ratio
- 27.40%
- Return on Assets
- 0.86%
- Headquarters
- Olympia Fields, Illinois
- FDIC Certificate
- #28808
- Health Grade
- D (45/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bankfinancial National Assn holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Bankfinancial National Assn to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Bankfinancial National Assn shows some financial weakness with a Health Score of 45/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bankfinancial National Assn Compares
Bankfinancial National Assn’s Health Score of 45 is 27 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 2.09% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.86% is below the national ROA benchmark of ~1.1%. Among 797 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Bankfinancial National Assn is 25 points below the portfolio average of 70.
Frequently Asked Questions
Bankfinancial National Assn has a Bank Health Score of D (45/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bankfinancial National Assn's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 2.09% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bankfinancial National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28808). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bankfinancial National Assn holds $1.5B in total assets and $1.3B in total deposits. It is headquartered in Olympia Fields, Illinois (FDIC Certificate #28808).
Bankfinancial National Assn has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.09%, and the return on assets is 0.86%.
Yes. Bankfinancial National Assn is FDIC-insured (Certificate #28808). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bankfinancial National Assn shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.