Here is a good link to the story in the Chicago Tribune (Oak Park is a Chicago suburd and the bank was headquartered here:

http://www.chicagotribune.com/business/c...

UBSI has a good Morningstar rating, because the bank remains well capitalized, has a conservative lending practice with a low ratio of bad loans compared to peers, and is making enough profit to continue to pay a good dividend.

I think they are well managed, but they can't avoid all the pitfalls in this economy. They have been smart enough not to get over extended and avoid the worst of it.