# OOSTBURG STATE BANK
OOSTBURG, WI · FDIC certificate 10380 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $440.2M | |
| Deposits | $388.4M | |
| Loans and leases | $320.9M | |
| Total equity | $47.7M | |
| Loans / deposits | 81.62% (p49 of band) | 82.04% |
| Liquid assets / assets | 23.86% (p47 of band) | |
| Uninsured deposits / deposits | 21.25% (p33 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.64% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -7.86% (p51 of band) | -8.10% |
| AOCI / equity | -0.36% (p49 of band) | |
| ROA (annualized) | 1.39% (p57 of band) | 1.28% |
| Net interest margin | 4.03% (p57 of band) | 3.91% |
| Efficiency ratio | 59.80% (p45 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 925.65% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 44.36% (p51 of band) | |
| Auto loans | $1.0M (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.3M (9% of equity) (p96 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 57 | |

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 3 | noncurrent p90 |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 2 | uninsured deposits leaving | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2022-12 | 1 |  | uninsured deposits leaving |
| 2023-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2017-07-26 [No one hurt in Oostburg State Bank robbery - The Sheboygan Press](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZTNGRmctNHplSU94YXdEeVVCbFJ6TEV6NGhxSkl5dkVtTE9zRFBVbHVlRTRaWndrcU00ZjJXcFZVRkFRR19aLWYycVNxbkFPTmFUckQyTjg2czVsN196V1lBWTlvWXlxRG5jOGN0SUF0YVpuNC1jbDN2WkViMGh0eWNMY0dXS2M5OFAxeG9hcUZzMHNXbDQ2bm1MNjRRMWtmbHpOdmN3?oc=5) · The Sheboygan Press
- 2017-08-28 [Man wanted for Oostburg bank robbery arrested - nbc26.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxON1RTU1FlbzdtcDdBTVduSjhyZm5PamEwNWttR0IxUjJMemdfZzZHb3d5TXBIblB6YmhuSTVjRWhqQTdVanlrV2J3aEhHLVc4SzluVmMwVndVZXNOdmVjZWhuVU04VWlCeGVtRHpWemxKOU9DbUdSdG9objFadk5sS012LXp4UjQ5dHVQSQ?oc=5) · nbc26.com
- 2017-08-03 [Sheboygan man arrested in Oostburg State Bank robbery - The Sheboygan Press](https://news.google.com/rss/articles/CBMitAFBVV95cUxQQTVhcTdlOGtZUHNRc19vU3BzNlZQeFhxNlhfOVdQbXNhTGtXM0xoN3pqcjNRQ0JVOXN0R2V3Zm1HT1hpckt3TFRyQ3RPODAyMVFrRTJyQTJmV3NMLXJ4Um1OMVFoQjJMdXJUS2dnQnh0NkZ3bEstZ3hwaUU3VldBNE1SbzBuRkMzUjJQSW9DZzZwMkJ6VUVxQVFGbzJrX0NxdmtnQTJHX1BHb0c2WkdvamFDYmg?oc=5) · The Sheboygan Press
- 2017-12-06 [FBI: Bank robbery suspect is on the run - TMJ4 News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPc3JBdENzdUtzUjNGNTN6Wko3TEp0TkFUTDZCZFpoWFIyU3M4anBTSWVTbjN3SGVaYkNqVDAxQldEMU9kTHRUdTRsdE41bDkyOFZiQWZhbFJfWXNadGNsYW56dTU5cTM3eGNhZE1OMjJrb2pqWFlzMWlXWXdmVHc5bWF4cWg4U2FzZ2VoMnJvSE0zU0V6cVFNXzg0SEJfVm9OZ1BfR2tTYlk?oc=5) · TMJ4 News
- 2015-12-23 [Morgan Aircraft files for receivership - The Sheboygan Press](https://news.google.com/rss/articles/CBMinwFBVV95cUxQLWppdXlfeDlidGZTQjFNRDByT01HWXRibHo0SWxpRWhwZ0VnWFlUNGNyczcxd0lXUGEzVFlnY2xNWXVzZjZWZlgyamJxNkFlTThybHk1NkRKaHhnUndPaTY4YkR2OVh0X2hGV21zdTlHOGJmOGM3N3Vac2xZaFRGRWpWNU1jR1VFZldtUnFwNmZObDdBZGFaaTFVQ2FFS00?oc=5) · The Sheboygan Press
- 2014-08-23 [Who's News, Aug. 24 - The Sheboygan Press](https://news.google.com/rss/articles/CBMifEFVX3lxTE9kd20xaEVfWU9wdmFWQmRVVlc5QlJ2MWFNUkpPMUxTMnRqaWVvNXoxdWdTY3hUYnNTbS1jbFNBYjBQcm1pRTV5RENyVGFybmNmbUpDS2hOVnhZUkZ0SWNOMkdBczlNQXQ3TGRycHNfV2taZ2FYcmdhSmNiM0E?oc=5) · The Sheboygan Press
- 2024-08-29 [James LeMahieu - The Sheboygan Press](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4zcFIwdkIyWXEzNndEbVJuaTgtSnJKclpud3NVX3NmN1BucGpqVlNnTnF3OWNKZnlrVTg4T2kwOEZZRnR3TkpLd0JTMDdIQk5qS0pfS2ZmZWZGTnU3N3VBTEduUQ?oc=5) · The Sheboygan Press
- 2017-07-31 [In quiet Oostburg, a sense of surprise in the wake of crimes - The Sheboygan Press](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPMGliR0JjZUJpbHRSY1Rhejh5T0g5VVNQdUN3UTRvRWpmd2tPTGpNbURpa1c2XzlkZjhsdnJpZFJoVUEtUHlFanFVeEljaUtsT3NzN0tzclQwNzdzbjdyLVc1SVdmUFdqNFVaaG9ZdUxvS1FKSU8tRk9FMzgycDUycEFKVndNX1QwaUJESUJlcWtIZi1QbXRBNUZOQ19peHNfeTUtZ2dwcng?oc=5) · The Sheboygan Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10380 (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/12.json (key "10380", 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