# SECURITY BANK
NEW AUBURN, WI · FDIC certificate 10015 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $253.8M | |
| Deposits | $216.4M | |
| Loans and leases | $227.3M | |
| Total equity | $29.5M | |
| Loans / deposits | 104.14% (p94 of band) | 73.59% |
| Liquid assets / assets | 9.37% (p3 of band) | |
| Uninsured deposits / deposits | 11.97% (p21 of band) | 19.81% |
| Brokered deposits | 16.79% | |
| Wholesale funding | 19.55% (p95 of band) | |
| FHLB advances / assets | 2.76% | |
| Tier 1 leverage | 11.58% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -0.61% (p81 of band) | -6.57% |
| AOCI / equity | -0.02% (p69 of band) | |
| ROA (annualized) | 1.74% (p77 of band) | 1.17% |
| Net interest margin | 4.06% (p57 of band) | 3.93% |
| Efficiency ratio | 46.05% (p8 of band) | |
| Noncurrent loans | 1.19% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p82 of band) | |
| Reserve coverage of noncurrent | 71.89% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 19.19% (p52 of band) | |
| Auto loans | $1.5M (0.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 1 | brokered >10% | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent | brokered >10% |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | brokered >10% |  |
| 2017-06 | 1 |  | brokered >10% |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | brokered >10%, uninsured deposits leaving | reserve under noncurrent |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 4 | capital falling, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2020-03 | 3 |  | capital falling |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | capital falling | brokered >10% |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2023-03 | 0 |  | reserve under noncurrent, loans exceed deposits, liquid assets <10% |
| 2023-06 | 2 | loans exceed deposits, capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2024-06 | 1 |  | capital falling, charge-offs p90, reserve under noncurrent |
| 2024-09 | 2 | brokered >10% |  |
| 2024-12 | 4 | wholesale funding >15%, capital falling |  |
| 2025-03 | 3 | charge-offs p90 | loans exceed deposits, capital falling |
| 2025-06 | 4 | reserve under noncurrent |  |
| 2025-09 | 5 | loans exceed deposits |  |
| 2025-12 | 6 | liquid assets <10%, uninsured deposits leaving | charge-offs p90 |
| 2026-03 | 4 |  | liquid assets <10%, uninsured deposits leaving |
| 2026-06 | 5 | liquid assets <10% |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-18 [Robert Thomas retires after 44-year banking career in Marshalltown - - Times Republican](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQMXVxTXItU1NsdXRZN0xORDdVM05WNmhMM29CU2s4MjFrY21EeGRuNm9iazBiZDJVeDk4MUhrakttWmxGWDg4Um85MFJlcVVoa0dRd2N0V2F4Mk14Z0llQmRpZ3V0d3FlUVkxU2lrUzBVU0Foc0hMTXJqQ3RWZXprUXZOeko1NVlmWnBEbEdNZjlmZ25Hck5ZeUl0UkVGUTJlM2hOMVFfdXV2c2R6Z3k0UGdraGtEQ3Z4ZVZxRklsTXgyQQ?oc=5) · Times Republican
- 2026-02-02 [President of Peoples Security Bank to retire - Central Penn Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTFBaWWNwbFNnR0dLbmpjZjhpaklPVzdtX3RlbUJrYnNZNnQ5T0hCUGdQX2daeG02ZjcyTFFpLWlaNWtEc3p3VXhReHplc0VFb1ZTODhaSmlib1pnM0tSSXAwVFlkVzc3dndycGlWNmt5cDhYeGI4?oc=5) · Central Penn Business Journal
- 2026-05-14 [ACI Worldwide and Security Bank Philippines Set New Benchmark for Enterprise-wide Payments Modernization - FF News](https://news.google.com/rss/articles/CBMixwFBVV95cUxNeEZDZUtic212UHdnYjczYlh5aXZSUGFKa0dVSWh6eXRELV83dlh4OU92RHFRZXJwLUNwZzA1SlJTMzZpTTdudHhaOFVEVEpVLUtFLU5pTENNQlZGMkhabHlieVQ1MG51OUtoNG5hQ1JoZ3hKNWJMUXc1Q1Q1YWFtVTFNZ1FWMGdQanBfTFA1bTlMbE5ILVpLWTNGeDdSdUpqUEZYTnFTQXYwOEtza3N6V0ttTmJnX0poU0xieWVVSzhZajhCSnBv?oc=5) · FF News
- 2024-09-12 [S-1 - SEC.gov](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNNnFWNGtfekQxbDZFaFJncDkwWUdTQzJPRU1xUjc5bnluNmtQNkttX1l0Q1FiTi10bFVzOGtZdnpqeGdDamV3SWh3WVJzc092S25IeUVkXzY0Z3U0SHhlUm83TjBxU1p5RkwyZE9JN0VRd05Ja1E3V1ZiT0VFUWFiVy01WlpSa0ow?oc=5) · SEC.gov
- 2024-07-03 [Wisconsin Bankers Association Recognizes Iron River Banker Greg Ogren for Board Service - apg-wi.com](https://news.google.com/rss/articles/CBMimwJBVV95cUxOYktpMjZqczNlcmQ5RDNRZWVpOVVSaVpzTjhaV0Zzd29sUVl4dC1qQVNkRzNuS0M1VE5sZk1hVEs5dndYZ3RFaUt0NnJxY1RmSlRqVGwzRkxwcUdRVDZwRzA1T2UteDdtcHdoaVUzajByb0Ewb0xabDRqd1FWb2dqeFRVZ3p3cjV1c3REdTJBUUFPVGE0MFFhc2tMcTdLNjNyMWhTbWU1bGJ5T1hJRjdwS2xEVGQ3Smxtd2tfQmVqdmxDYXRMekNrNG41bTg3UG9CYXJlUU1OTnhKUkwtdGxGek94MmJib0lVUkJoWkE2NWxlVDhiRUZhbUkwM2FPelA5YjNiS1gzakxjZE5SckhMYnNSZ05YZ2JkdUlr?oc=5) · apg-wi.com
- 2025-06-28 [Chris Ryan Elected Chairman of Minnesota Bankers Association - postbulletin.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQV29GN0ZuY0hrSmpzVnVYbHc1WEJPdHV6dDBtdGxsSmM2SjlaNXNWcWJfY3l3V0Jka3p4Yl9qUXVfYnFvNnBEb0Fna0wxVWpVbkJyRWo0LTJEWHh6RVl5VHJTTk9BeElFWFlQZlQzSmJMQW1VUnRnb1Uxa1RydlZOYU1vMjZmWmwyQW5tSS1FMlBqVHpIeDRnUDRZSDRBRUxmVENXYUgxTEZJbmNkRTJBcXNrWmktby05YUVpbHVGLWdhTWRFVGwwTnRicm4yQQ?oc=5) · postbulletin.com
- 2021-03-05 [Willard L. Ogren Obituary Mar 5, 2021 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiXEFVX3lxTE12WnEtU2tXX0NQNTBpRU9PQUo1bFk1dGl4UjNwLTFrbndwWER6ZVpUNlprMFlMdjl5UFliVTkyTms0V01ROEtob3JiS01OYy0ybmZGZ2ZZWE1IOWZv?oc=5) · Downs Life Celebration Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10015 (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/31.json (key "10015", 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