# ADVANTAGE COMMUNITY BANK
DORCHESTER, WI · FDIC certificate 10375 · asset band <$300M · latest filing 2020-06 · 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 | $160.0M | |
| Deposits | $135.0M | |
| Loans and leases | $89.2M | |
| Total equity | $21.1M | |
| Loans / deposits | 65.24% (p36 of band) | 73.75% |
| Liquid assets / assets | 40.68% (p65 of band) | |
| Uninsured deposits / deposits | 10.28% (p22 of band) | 17.11% |
| Brokered deposits | 0.46% | |
| Wholesale funding | 1.64% (p51 of band) | |
| FHLB advances / assets | 1.18% | |
| Tier 1 leverage | 12.93% (p71 of band) | 10.95% |
| Unrealized securities loss / equity | 4.15% (p64 of band) | 2.60% |
| AOCI / equity | 1.47% (p51 of band) | |
| ROA (annualized) | 1.35% (p72 of band) | 0.97% |
| Net interest margin | 3.14% (p25 of band) | 3.63% |
| Efficiency ratio | 54.17% (p14 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 24.64% (p64 of band) | |
| Auto loans | $2.3M (2.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 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 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 | capital falling | uninsured deposits leaving |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |

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

- 2020-03-02 [Nicolet National Bank expands Central Wisconsin presence with new acquisition - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQY2p2UENXQmhia29rd3UzVW0tMjgzQ3VuUTNiRHZHaXFCR1lkOGRxMW9LRUwzck44dXNKZFhyWFF3ekU2RjFvTDFfX2k5R05JQjJmOGxQOExEVnJGeXlzYWtUdlJsZUg3YXdyLUtXc1hEbldzT0JzUHVBQ1NSN1RUazRWZkVDWHVuMTl4aHB0cUNZdnZDZmM2cXVRUEFtQ09kR2VUSFBGU0RvdWh6X3R5R1VQR0NtQk4tUTlNNE1QZUNEeERPNDdMZTFRb0lrY2lpSzNDaFA3WkQ?oc=5) · Green Bay Press-Gazette
- 2025-12-30 [Nicolet National Bank to target small businesses in Twin Cities expansion following $864M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSklyNEppN3VOZXJWZE94WmJGRWM4N1FTMHhsaVQ5dVlNYjBvWl9waHBseVR2WThwUWRPWUhvYTBYSEJMVHJ6MV9iZWRLaHVGX0pMRnlmQ05qTU9VWTllS0tpNURBYVZZcXFHTW1QRkRpR1pOWEZiVEt2RlRFZUlmRzJmTm5QblU1QU1RekhkUFBYZmRNQnBrMFJrWHpJWjlOamNCeU93?oc=5) · The Business Journals
- 2023-02-12 [Susan "Sue" M. Ballerstein Obituary Feb 12, 2023 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMicEFVX3lxTE5ZTlRDekNvM2F0ZmxGWUpDajFheHRacTQ2Ql9vcm44eTJVbHpfZWVuUVUzd1NENlEzX2ZHMHZUcWZTYkp3U1RwRHd0aUN0TnhSbkVYS2ZCRU9ySmxpd0RTdVQzUmhEWHduSTV5cUh2cjc?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2025-10-23 [Nicolet Bank to buy MidWestOne Bank, expand into Iowa in 'transformational' $864M deal - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOTXpETHkzZ2RSXy1ld2k2WVZzbG1QNHZveGp3WHFSUU9TN01rbnB6NUE1d3dFMng3OWNTWEE0YVktcEJMa0cyQnAxdkdfWS1xWVdDdDFOUElxbzFZdFd6cXdrckEzVng3TF9TMFY1cTBYUVZkUWZkMkFrWFVocEF1MV8xdWZTOEVpME5aS2NlUV9yWGlneU5GMG9SU1pRVGwySmY3Z2djX0hXTzRVa0llMlMtZHItRXZFVjFhNUdtbE9FdkdTTWdqcDNOajExZDJodUF6YXpZNFhzUnhMV3k1aEhLTEM?oc=5) · Green Bay Press-Gazette
- 2022-05-06 [Troy Herzog Obituary (2009) - Wausau, WI - Helke Funeral Home and Cremation Service - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPenJ1N1AwSmRRMjF5dEJPOVZrenNONzVlSnFJakk2bHFmZlVvYUtFbTU4MFJla01reUJLQkJlMm1sSzhDNGRFTVRqT3psenBoOGM5X2NvNGFaQ1dQZ3FMOURMQmxFSW9zWmF3VFhxWjJGVlRpUThBRFFFT1JUM0l1OWFB?oc=5) · legacy.com
- 2021-04-12 [Nicolet Bank expands into Michigan with $248 million deal to acquire mBank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOUldrSkJOWk5KcWVXZnBBemhYWFRWS09faXJUTTlTRHd2M2VCVEY3UHZISmFCeTBBbHNZVFZacElVUGYzempTVEI3R0QtYW5pUW9ybl9RR2xYeFRaMFlpR2NJT2xSbm9OekRaRTdMNlBVQXVBb0pGVWpab1UzMzJ1MmFjRmxYOUVySXY0TEhXSEJQTUtDd3B1X3E2dTRGTFRScWIwOGM3RWhjSExwRF84c05Cb0V0Q0lVTUxNUkMxdlFKYzM3UTlqLXlBQ0lxWTBiVnF6c2kwS2YtWmJaUHFmcFVn?oc=5) · Green Bay Press-Gazette
- 2022-03-30 [Nicolet Bank expands into Eau Claire and Minnesota with acquisition of Charter Bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOTzFhLUNRS3VJbm9nY2c2X2l6LWRWT1lxZTlQTWRiVzJMQ3BaZWJENkRqLWlucUcybk5UOEktQ01mc2pQSnVOc255bHppVWRVN1A4YldQeTJwYS1CbTdpQTZHQ2Q5Mko5S3QySlpTNFlnZHNxemdocktYTTZ5WV9CUmhjQXQtb1lZaG9IZVdBNWZRSXRrWFBma2hHYnk5NWVUMjcxcmdYclJPcmtXaGItSEpudUt5U2NRcWthU2ViUmV2VDRydmhUc1hwTG80WU5WM1ltSg?oc=5) · Green Bay Press-Gazette
- 2021-09-07 [Nicolet Bank completes mBank acquisition, will close or consolidate 15 branches - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi1wFBVV95cUxONHdaOW91UUcwb1NLTUVwdnZRaFFsNUVNdW1GZWJzVUNDSF9zcjQxVFdfdUs0cThTYS1qTDZrN25wdFhJYThpNVg2SGlZSm5WOG05NkRBdnhCTFJBQURaQUM0WVJ5OXNHcFZQRV9kdzdkTFZ4RjZzb184TUh3bUkwUndaQkJkcElYVzZBdHpyTlBhaU03WHJmZzRWRU9nemljX1VoUWl1U0ZvQ1VrZkdKb1l3eEpLSVFyWjdnTlVTb3hsOVFfdHdVeXVabW5jbGVBaVBtM09FSQ?oc=5) · Green Bay Press-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10375 (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/7.json (key "10375", 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