Burling Bank
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Data as of · sourced from FFIEC call reports. How we update
Burling Bank is an FDIC-insured commercial bank headquartered in Chicago, IL, established in 1989 (FDIC certificate 27556), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $214.2M, up 4.0% from Q2 2025, the 184th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27556
- Headquarters
- Chicago, IL
- Established
- 1989
- Total assets, Q2 2026
- $214.2M
- Assets vs Q2 2025
- +4.0%
- Tier 1 leverage ratio, Q2 2026
- 13.65%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071005254
- Latest call report
- Q2 2026, FFIEC 051 · Burling Bank call report
- Holding company
- BURLING BANCORP, INC.
- Asset rank in state
- 184th of 319 in Illinois
Problem loans are rising at Burling Bank. The Chicago, Illinois bank had $214 million in assets at June 30, 2026, up 4.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.77% of loans from 0.00% a year earlier. It carries problem assets equal to 19.5% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 14.5% over the year, 3.6 times the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 4.3% and deposits rose 14.5%. Delinquency has appeared in its $37 million commercial and industrial book: 0.65% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Burling Bank reported a return on assets of 2.08%, a nonperforming-loan ratio of 3.77% and a Texas ratio of 19.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Burling Bank is the 184th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 9.9% to $214.2M, loans rose 7.2% and deposits fell 12.0%. 1-4 family residential loans made up 29.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.4%. Its one office in the FDIC Summary of Deposits is in Chicago, IL. By the capital ratios in its Q2 2026 call report, Burling Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 141 W Jackson Blvd, Chicago, IL 60604
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 7, 1989
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $180.3M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $236.3M
- Average total loans
- $165.8M
- Average interest-bearing deposits
- $130.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 7, 1989
- FDIC Cert
- 27556
- Fed RSSD
- 1404883
- Website
- BURLINGBANK.COM →
- Parent Holding Company
- BURLING BANCORP, INC. (RSSD 4352444)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Burling Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Burling Bank's total assets moved between a low of $196.5M (Q3 2025) and a high of $237.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$214.2M total assets against $205.9M; $182.4M total liabilities against $178.2M.
$173.8M net loans and leases against $166.9M; $180.3M total deposits against $157.5M.
$18.0M securities against $23.2M; $9.0M cash and balances due against $11.6M.
$3.4M total interest income against $3.3M; $814K total interest expense against $686K.
$2.6M net interest income against $2.6M.
$336K total noninterest income against $392K; $1.6M total noninterest expense against $1.6M.
$100K provision for credit losses against $67K.
$1.2M net income against $1.3M.
2.08% return on assets against 2.54%; 4.49% net interest margin against 5.15%.
13.65% tier 1 leverage ratio against 13.54%.
Inside the full Burling Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Burling Bank rankings
Its closest position to the top of a national ranking is 182 of 3,640, for Texas Ratio; its furthest is 2,875 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.74% (Q4 2024) to 3.05% (Q4 2025) and its net interest margin ran from 4.49% (Q2 2026) to 5.15% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 2.08% | 3.77% | 19.50% | 4.49% |
| Q1 2026 | 13.96% | 2.51% | 4.02% | 19.99% | 4.70% |
| Q4 2025 | 15.10% | 3.05% | 0.53% | 2.72% | 5.06% |
| Q3 2025 | 14.65% | 2.32% | 0.39% | 2.06% | 4.92% |
| Q2 2025 | 13.54% | 2.54% | 0.00% | 0.00% | 5.15% |
| Q1 2025 | 13.65% | 2.36% | 0.57% | 3.20% | 4.88% |
| Q4 2024 | 12.84% | 1.74% | 0.57% | 3.31% | 4.74% |
| Q3 2024 | 11.84% | 2.86% | 0.54% | 3.44% | 4.84% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Burling Bank (main office) | Chicago , IL | 60604 | $180.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 221 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Burling Bank
What are Burling Bank's total assets?
As of the Q2 2026 filing, Burling Bank reported total assets of $214.2 million in its FFIEC call report.
Where is Burling Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was Burling Bank founded?
It was established in 1989, per the FDIC institution directory.
Is Burling Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Burling Bank?
Burling Bank's primary federal regulator is the FDIC.
How many branches does Burling Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Burling Bank's Texas Ratio?
Its Texas Ratio is 19.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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