# WOODFORD STATE BANK
MONROE, WI · FDIC certificate 10011 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $523.4M | |
| Deposits | $406.1M | |
| Loans and leases | $395.0M | |
| Total equity | $33.1M | |
| Loans / deposits | 96.66% (p84 of band) | 82.04% |
| Liquid assets / assets | 20.54% (p34 of band) | |
| Uninsured deposits / deposits | 12.08% (p7 of band) | 25.97% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 17.11% (p90 of band) | |
| FHLB advances / assets | 14.06% | |
| Tier 1 leverage | 8.11% (p2 of band) | 10.81% |
| Unrealized securities loss / equity | -33.04% (p11 of band) | -8.10% |
| AOCI / equity | -1.00% (p22 of band) | |
| ROA (annualized) | 1.47% (p63 of band) | 1.28% |
| Net interest margin | 3.92% (p51 of band) | 3.91% |
| Efficiency ratio | 58.35% (p41 of band) | |
| Noncurrent loans | 0.36% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p82 of band) | |
| Reserve coverage of noncurrent | 171.75% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 79.64% (p77 of band) | |
| Auto loans | $1.7M (0.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 | capital falling | uninsured deposits leaving |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | wholesale funding >15%, capital falling |  |
| 2019-12 | 0 |  | wholesale funding >15%, capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 2 | wholesale funding >15% |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | wholesale funding >15% |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 4 |  | noncurrent p90 |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | charge-offs p90 | reserve under noncurrent |
| 2024-12 | 5 | construction >100% equity |  |
| 2025-03 | 3 |  | charge-offs p90, construction >100% equity |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | capital falling |  |

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

- 2026-01-02 [Woodford State Bank supports community play with multiple donations - The Monroe Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOM3ZVdzdIQ3c3bG1yd0VoX2QzdTByY3labGtyWUNCb0JYbXFFbmp2QnIyTXlXOG1YYWZJbDdIUHJDT3VxcXlqSXhWbG53cFZEZGVIR3hxMmNyMDBkNVJqTzlLY0hVakc5aVB0QldKVHhsRjQ2LUdKMV9PT0dpRjV4NEtkZzBjX0N5U09hQmQ5WFlXTHZIb29BYWlVamgwdzZxNHJpNWhBc0U?oc=5) · The Monroe Times
- 2024-05-10 [Woodford State Bank welcomes two new directors to board - The Monroe Times](https://news.google.com/rss/articles/CBMilAFBVV95cUxPczJHM2x1bHVkeWRleWVOVjVPNWV6bXhGYThRbGFFU05kN2k5SFhMZmF4M3Jwakp4TjFUWjVEMU9KdTZaUE4xNkx1VmVPMFpNeklrWVVNenJaR0tsV0tLVjBfam9RVE1tYW9WQ2dodE1jZkFnV29Hclc3NnRoWmxUdEh5SnVIeHJaOExJbjE1clZSeGhh?oc=5) · The Monroe Times
- 2023-10-29 [Woodford State Bank delivers more Cash Mobs - The Monroe Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWGtybjFHNnVKUXdlOTltVm1SV3RfSkdEUnQ2cUxNYXAtUVVwMnpNY0pEa1h5bi1CTEFieWNRQW5udlI3XzFEWTI3cDB5OTRDNVdrS3I2TnU3MlNYTGFRR1B6UUs2RDNRYlhGQzd2dTNxYVVmbHluc3VNckE0aGFfMTI2SUVtMTQ4VHc?oc=5) · The Monroe Times
- 2021-12-04 [Woodford State Bank acquires Darlington branch - The Monroe Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSDFTOHJ0amMxN2k3dkQ0QktDUk02N3JUMjNoU1lnMmpkQldQTDhRRVJUbi0zekM0dDFLai01Q2QteHhOUEsyQXE2Um9NNUYwaUFhYVY1QS1SOFAwVEhESlBPbHZVNFowc09iZWZyTnpNb1lMekpVdkg4cUJ5RDJmZHFPbDJiaUVfaEczRQ?oc=5) · The Monroe Times
- 2022-05-22 [Woodford State Bank cuts ribbon on Darlington branch - The Monroe Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQ2VaMUp3Tkpqa040eTRaVG92YnhtZmxCcW9taEhOSzJXT21wRHFiaW04RU9sbGNTTkdid0xTYmxQdW9zNDNSdkdhSlE5NWFOUVRQSi1sZzNwaU1WRmM4MWRhU3JYSDJSQWxERENSQVU1d3lPTU9CMTEtd05fZkZmZFNUN1VPMUJoa2EyTFJXQUwxQQ?oc=5) · The Monroe Times
- 2021-04-11 [Woodford State Bank opens New Glarus branch - The Monroe Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQb0RZQWdBZXFNb0RMNFFwVTl6SDBnckEyMHFzaldOcWRpWExSTmFjWnRQYzl1cEROdDdHLUtvUFJiOWo1TUNlRF90S1FzMjJaVDc4X0toVGFjWExrZTdwMDk5OFgtMDF4U1Jacm1rMTlaODI3cm54N201dlRObTJldGxfemx2WEl3?oc=5) · The Monroe Times
- 2024-08-11 [Woodford State Bank holds Cash Mob at Bullwinkles - The Monroe Times](https://news.google.com/rss/articles/CBMikAFBVV95cUxQSVBjVzB6TDc0dXZCYVIxMmFqZ3FQOTZ3N0x4QUE1QVg4TTJjNDkwLUh1WjRRNjNvanNmWVA1dkV4bWRDN2J6Tnd5QW9DZTNIQ1EtaGZqZUYxbkRXX2lkZFNZZlF3S1hHZExyTjVjWUJfUFFxcVFmSC1JS0l2NzJfaUZmRlpjaENDUnRXUEY0N3E?oc=5) · The Monroe Times
- 2024-09-17 [Local banks collaborate to provide financing for Green County Family YMCA building project - The Monroe Times](https://news.google.com/rss/articles/CBMixwFBVV95cUxPZ051RlZ0WmU1ZE51SEYyYU1vYW5zNThXMmxHeUwxeGE4cTlKVGdfaVBmRGI3N3h2LUpReGRWUWR4WEZVTGZJS3BiUWhUVXFISmlyYnR1Q0pIQ1dkaTFHYzFSV3JHcUlkMmNFanFPUWJrS0FPckx0T09Hb0hlSTJ4Q0J3WkRYcVQwOXpfWjV3YzRfUldWcnlDY0hObVZvU1pMS3hhNG9UemctYjcwZ3M5TFBiOV9aTkkwM2JQSlQxcThmNkJReW9j?oc=5) · The Monroe Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10011 (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/27.json (key "10011", 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