# BANNER BANKS
BIRNAMWOOD, WI · FDIC certificate 10374 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $131.6M | |
| Deposits | $114.9M | |
| Loans and leases | $25.7M | |
| Total equity | $16.4M | |
| Loans / deposits | 21.98% (p5 of band) | 72.28% |
| Liquid assets / assets | 74.26% (p95 of band) | |
| Uninsured deposits / deposits | 27.61% (p76 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p19 of band) | 11.62% |
| Unrealized securities loss / equity | -4.65% (p58 of band) | -7.15% |
| AOCI / equity | -4.38% (p4 of band) | |
| ROA (annualized) | 0.55% (p21 of band) | 1.12% |
| Net interest margin | 3.05% (p16 of band) | 3.86% |
| Efficiency ratio | 71.05% (p60 of band) | |
| Noncurrent loans | 0.52% (p58 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 307.46% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $121,000 (0.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | NIM <2.5% |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | NIM <2.5% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 1 |  | noncurrent p90 |
| 2019-06 | 3 | capital falling, noncurrent p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | capital falling | noncurrent p90 |
| 2020-09 | 2 | NIM <2.5% | reserve under noncurrent |
| 2020-12 | 2 | reserve under noncurrent | capital falling |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | NIM <2.5% |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | expense ratio p90, NIM <2.5% |  |
| 2026-03 | 0 |  | expense ratio p90, NIM <2.5% |

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

- 2026-05-05 [Banner Banks merges with Bank of Sun Prairie to form Bank of Wisconsin - In Business Madison](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdUJ3QlEzd2xpeG9CeFNWLXp4MHVfcUk0NXNxRUNuN1QyaENURDYtVUVTTzRsVS1KQ1FFQm50cEtoUWJnTGR6WDZPZm1EQ2RudngwSS00S2VLeHQ2OGk1cHV5M0FKMmJmT3ZjQlZLMTFBNUJpeTYwQXpZQk5KajNKb19LUERBM241djVJdmdiYjNkWTNPYmpPLQ?oc=5) · In Business Madison
- 2022-10-28 [William "Bill" P. Cota Obituary Oct 28, 2022 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMia0FVX3lxTE0wdktnei0zcDRYZGdUeXRMNE5YamxVUGVaLTJHRUk1cktLaG9jQ1pReTFLN2hGTWJveE5ZeU1NeTJEdE4yUGk5Tl81a29VYTN6TENGaXk2LWU0LXJEdV9yZGVSb0JVX3hXeDIw?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2025-10-26 [Obituary information for Lauri Ann Klumpyan - Schmidt & Schulta Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTE5xaEwydDB2Z2w2UUlwWUF4MW00eGljdDkyb2plWXlCMk9zTThPbWUtQmR4YVFvbnU5cmVoMGNaMnpYbmFJWlN6SlZyS0JtQnE0Mi11LVJFcjgzOGFMSU42Unh6WFJhWVhOelh3YkNLdmdRSERkSlhDUzd6ZTZXeVk?oc=5) · Schmidt &amp; Schulta Funeral Home
- 2018-12-29 [Salvation Army accepting donations for Angel Tree - The Coos Bay World](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOaVJJZ09neUh4NHNxMDU1VEtaRlMzcTh3UUFSTm5oN2NJNC05b0NHVTZTX0xkRmNBd3k4NWdsTm9SbjFNbzJHcS02RktqNkFGV1hRQm9LUi16V3lqbjlIcTZ1SzFDb2J1RWE1LVpKclg1QVFfcTlKaktnajFCYlJZLWdqWk95T3hMLXE5NnZDZWR2Z3pYQ0lZRmFBd205M0ItX1lnbkV2aE5vT3FyWDlPd2xFTzlCWk1zbGxpMVBsMjBsTU1UajRITUh2Rkd1RUhE?oc=5) · The Coos Bay World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10374 (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/6.json (key "10374", 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