# STATE BANK FINANCIAL
LA CROSSE, WI · FDIC certificate 10383 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $512.1M | |
| Deposits | $439.0M | |
| Loans and leases | $347.6M | |
| Total equity | $47.9M | |
| Loans / deposits | 78.49% (p42 of band) | 82.04% |
| Liquid assets / assets | 26.93% (p56 of band) | |
| Uninsured deposits / deposits | 29.41% (p64 of band) | 25.97% |
| Brokered deposits | 0.16% | |
| Wholesale funding | 2.84% (p47 of band) | |
| FHLB advances / assets | 1.90% | |
| Tier 1 leverage | 9.94% (p32 of band) | 10.81% |
| Unrealized securities loss / equity | -18.59% (p25 of band) | -8.10% |
| AOCI / equity | -1.55% (p12 of band) | |
| ROA (annualized) | 1.25% (p48 of band) | 1.28% |
| Net interest margin | 3.29% (p19 of band) | 3.91% |
| Efficiency ratio | 62.43% (p54 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 809.36% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 42.35% (p49 of band) | |
| Auto loans | $317,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.2M (7% of equity) (p95 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | brokered >10% |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 3 |  | assets shrinking |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | wholesale funding >15% |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 | wholesale funding >15% | noncurrent p90, reserve under noncurrent |
| 2016-03 | 4 | expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent | wholesale funding >15% |
| 2016-06 | 3 |  | expense ratio p90 |
| 2016-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | brokered >10%, charge-offs p90 |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 4 | wholesale funding >15%, capital falling |  |
| 2018-03 | 3 |  | wholesale funding >15% |
| 2018-06 | 1 |  | reserve under noncurrent, capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | brokered >10% |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 3 | capital falling, noncurrent p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | capital falling, noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | assets shrinking | NIM <2.5% |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving | assets shrinking |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-12-18 [State Bank Financial Senior Spotlight - Hub City Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxQd3RwUVhudHVmaDhTZXJpNkR6RHFaOHdYYVV4TDJFZ3h5OXJYSEptSUpVd1g3Y2NIVXhZREVVOGI0dFJmelBLNU50clp4cGpYUmxZMDdGenRsamFrZVBJUzhPckIzQUlwMHFsbllKQ3BVZ2ZtZUlCQzNXMFhXaTA4WU9IVnlVcDA?oc=5) · Hub City Times
- 2025-09-18 [State Bank Financial Senior Spotlight - Hub City Times](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYjhPbHdhYWowNTBmel9UWlNCdkJkUzZKVkFKWTRnUWw5Um1iakI4RGZINlV3bXNhMGRDM194NHNnZkFFTHNOSjdrSENnV1RCQ1ZrZGNJMWxCNzluNy1xLXhZMW13TzNNZ2ZQelBDb3BoMnd0b0NKMU9FbGpqZ0l5RElnQQ?oc=5) · Hub City Times
- 2021-08-20 [Terry Crolius joins Winona National Bank team - winonapost.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxOcjI2TTVUWWlQMWV1eS1xUGNZNXI3VWxpUGdUUExEMUxYZ3FSVDg3Q0VPOXhtVUlFQ3k4VjJsZFQ4cUhnVFQ0cmw4LXlDd0MyQnV6b2hJaU51UVJ5aTdpVndfUTRxM0hsc0FuM0RfUHJqeWpPekIyS3k3Sm9TNDE1NkZBaVdCT0hWTTBWanpoYkxvZEFic09fcHlhM1FwRTBCUV94Z0Y2VkxmU1RpaGZqaWZyR19WQUdYd3dwU3dvVkEyVTQ1Z0E?oc=5) · winonapost.com
- 2022-02-16 [Steve Burgess, President & CEO of National Bank of Commerce Named 2021 Banker of the Year by Wisconsin Bankers Association - Duluth News Tribune](https://news.google.com/rss/articles/CBMiygJBVV95cUxNRmM3NWh4Y3JEY0VibGhkWlRvejhTY0dZWUVrR19tR3hOQ0RLUk96ZjhxMjlEdE5sTXhXXzViRlBUZEl3MXlsSlhHSjJ0dEs0d21fWHA0RV9nU3J6d2hqM01aTmhSRk5SQWRCZzM2N183a0txZGh0Z3RpN0hoSjJPcDlCaTZYdElIaTM1alR1RG55QzR2bDZlUXVaLXFlZE1ITkNmOGlFMncyOFFuOVRhekI1TFZ1R2hwcEJ1c0ZSQmplRVc3U1UyZGFqTXhnbl9vQzNSU1h3QTR5YXpRcGdBbXk5UExxaXN0SThqVkM1aTc1MzhPVThXdWg3UEh3TXFFRHBGZHF1eU1pU2tvSXVzRVRDc0IwTzBaU0lmc2RZNjhHWUlzY1IwWXhUQTE5SXFYclJWQjhZM1ZsbThKMzJoXzdYNldCcV9UaHc?oc=5) · Duluth News Tribune
- 2019-06-07 [Madison bank executive Mark Meloy elected chair of the Wisconsin Bankers Association - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMizAFBVV95cUxOY3ZaYkItb2RWZ2FPSXhCZ3BxcG9GX3NlaTVkeTBzR1NuNzJFYzhlWHNVbEcxVUZnNDMwRFIyd1VfMmJTMGZqZnNtVmxhOGhSanhfaHhXTFJDVGxjRVVfaHkyazlSMTQ1dXd3SWlvZWIzM0UzN3AyR2dPVTNuakdFTV9JblBqWEwtR3NqZ05KMXlYUlBWckVWbTE2U241UmZWMGs2dDJSc1AzdktFZDVpSU9fczRnaGdDcnlGN0NYV2lXZzh0elREX0g5eW4?oc=5) · Milwaukee Journal Sentinel
- 2026-05-07 [State Bank Financial Senior Spotlight - Hub City Times](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZlBaX2tGd1A1TWV5S1FON1BLZUFEdzlUMFdFNFBtVzBGYU9zUVNRS2V3eEZOd2F4T3NhelJJb0MtLW9aWkoyUmp0cnNjZlkzMktXek56Q3ZKVUFuS1VKVm5tS3Y5WEhhSUV3TUwzcFRDeUxIblE2dlBwQlhMNFVwOUZCWQ?oc=5) · Hub City Times
- 2014-11-23 [Troy bank grows assets by more than 7,000% in 5 years - Detroit Free Press](https://news.google.com/rss/articles/CBMivAFBVV95cUxQaFhhWTR5SF9WMGRlTjVWM04zRmtTVEJmS1lESGxGMV9WUTc4RmtOaUxaaDRoVlB5YlV1T3F1VTJXazVBSGxRZVJuY2k5QXdMMnNnNFV5cHdGTVBjY3F3ZUVyUkEtVG1PREJmcW95NzN0U1NfLVhuSkYwc3dEMDFqbFFrM3ZkSG1FdENmNGNCWFMzNW5jd0EtblZLR0REbm1iMFFtTGpmcTN5MTA2bGUyMHFFbnVhUWlHTWJ3bg?oc=5) · Detroit Free Press
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10383 (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/15.json (key "10383", 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