# BONDUEL STATE BANK
BONDUEL, WI · FDIC certificate 11235 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $132.1M | |
| Deposits | $113.1M | |
| Loans and leases | $89.6M | |
| Total equity | $17.7M | |
| Loans / deposits | 78.53% (p59 of band) | 73.59% |
| Liquid assets / assets | 28.79% (p41 of band) | |
| Uninsured deposits / deposits | 12.63% (p23 of band) | 19.81% |
| Brokered deposits | 12.79% | |
| Wholesale funding | 12.79% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.04% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | -5.61% (p54 of band) | -6.57% |
| AOCI / equity | -0.33% (p52 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.17% |
| Net interest margin | 3.51% (p30 of band) | 3.93% |
| Efficiency ratio | 52.70% (p19 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 10842.86% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 21.66% (p55 of band) | |
| Auto loans | $2.2M (2.44% of loans; DQ 1.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## 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 | 2 | capital falling, charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2013-09 | 2 | uninsured deposits leaving | capital falling |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 3 | noncurrent p90 |  |
| 2016-09 | 1 |  | capital falling, noncurrent p90 |
| 2016-12 | 2 | noncurrent p90 |  |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | uninsured deposits leaving |
| 2017-12 | 1 |  | noncurrent p90 |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 | capital falling | charge-offs p90 |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | reserve under noncurrent, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | capital falling, NIM <2.5% |  |
| 2023-06 | 1 |  | capital falling, NIM <2.5% |
| 2023-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2023-12 | 0 |  | reserve under noncurrent |
| 2024-03 | 1 | reserve under noncurrent |  |
| 2024-06 | 3 | brokered >10%, capital falling |  |
| 2024-09 | 2 |  | reserve under noncurrent |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 2 | reserve under noncurrent |  |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-02-25 [Shawano Country Chamber to Celebrate 100th Anniversary on February 26 - TCH Daily News](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBRaVVDdDdFRE9xYTg3UjRjVTViN3dTVWJHUVdST2prcDFBbkN0czltVkpGS0xiYU16cHEwN3czYmFYRHlyUHk4Z29EaFR6UE9ZUFV1ZmFYdmRhZw?oc=5) · TCH Daily News
- 2021-09-04 [Marty Carpenter Obituary Sep 4, 2021 - Muehl-Boettcher Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1BOWV6eXN2U205NFAxM0VPZWRBYmUxZVR3a2VXVzZPLTJyUVJlTEN2NEYwX0NwcWdBS3l2ZXAtNk8yTTVONGtSZUZNLVplSDNvMnl1NHRWUG9hcWlSd0pLMk9OS3ZUcXly?oc=5) · Muehl-Boettcher Funeral Home
- 2025-04-11 [AUDIO: Bonduel Baseball Preview Spotlight - TCH Daily News](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBwR0ZwdTA0aGRUQ2lKRWZkXzl0RDZMcHVuNW9Gc28tSDFoYS1lNzhRQzcxNzZsYUFjM2R0NjFPVG5qNW05TFFrdGdEN2ZoRlRXUERTN2puYlZJdw?oc=5) · TCH Daily News
- 2026-08-19 [WATCH: Bonduel Football Preview Spotlight - TCH Daily News](https://news.google.com/rss/articles/CBMiekFVX3lxTE1ndVp3SXhVdEU2N2RyYXZOOE4tT3lMLVdzN24tVjdFU1dvZy1sM1JZX3ZqYW9qRkY4OHVucU5vWUEyTDhLV01uQlFXcXh6OTBhc3piV3g2UUUwcGRuZUk1M0xHa0ExaVVMUjZudGd1Y3IyZUZyTmhHSHNB?oc=5) · TCH Daily News
- 2024-04-02 [Bonduel Project 117 Update-4-01-24 - TCH Daily News](https://news.google.com/rss/articles/CBMiWkFVX3lxTE53VGRnTkVPa0EybDRpNWhHdktwUkdPV21KbW91UmtNYzNxNVhhZEw5cnVfUnh0YlB0c1RlQVp6aUwzVGhrYkZOVnlWVmk1aDV1WlltLUFuVjBDZw?oc=5) · TCH Daily News
- 2025-01-07 [Shawano Country Chamber of Commerce Announces 2025 Leadership Team - TCH Daily News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONW1QNXJXMGpwN1lxazB3X3ZhV1Q3QnFHUDlyejJmMFRLTmRzZWRINWlTTG1sZ0lwcTNZaXQ1Uy03QXV6aDFTU3c3VjJzd1dBWGhPc1hSbUx4QjVuSFcteTVFSkpHM2V4MzlqNFlrS2twX2dRTHNkQ0tmMTdmQm9weDdmQWpJaFZKbmo5M3lpRnRKRmNfc3dnb3psYnUxYW5MTnFhQkVyUXo2Rk0?oc=5) · TCH Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11235 (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/35.json (key "11235", 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