# CALUMET COUNTY BANK
BRILLION, WI · FDIC certificate 11607 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $89.0M | |
| Deposits | $79.8M | |
| Loans and leases | $47.7M | |
| Total equity | $9.1M | |
| Loans / deposits | 57.54% (p26 of band) | 72.92% |
| Liquid assets / assets | 45.44% (p73 of band) | |
| Uninsured deposits / deposits | 15.05% (p55 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.85% (p35 of band) | 10.70% |
| Unrealized securities loss / equity | 1.21% (p50 of band) | 1.19% |
| AOCI / equity | 0.52% (p49 of band) | |
| ROA (annualized) | 0.13% (p10 of band) | 0.83% |
| Net interest margin | 3.22% (p26 of band) | 3.64% |
| Efficiency ratio | 97.01% (p91 of band) | |
| Noncurrent loans | 8.75% (p99 of band) | 0.70% |
| Net charge-offs (annualized) | 0.31% (p92 of band) | |
| Reserve coverage of noncurrent | 41.23% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 3.93% (p26 of band) | |
| Auto loans | $429,000 (0.90% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 | uninsured deposits leaving | capital falling |
| 2012-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2015-03 | 4 |  | charge-offs p90 |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | charge-offs p90 | losing money |
| 2016-03 | 4 | expense ratio p90 |  |

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

- 2016-06-06 [State Bank of Chilton completes merger - The Post-Crescent](https://news.google.com/rss/articles/CBMingFBVV95cUxNYjFySHhhd1hSVkdSZ2NsZUdtNXhtOGVLaVBuTWVxaHk3RklYNWFhSUd4QmpwNENBbVZWVWU0Y1VoUjNqcHRVZWVhSmRqQnA5cGZ3UXg4THlKaVBIU251TGlVck5WNndxdkNjdTdXVDZaaW1sTFBGVVIzNUEwbFotZ2Nlak1zRDJENGVVVGpqMnZSMEpDYWtVQUE2SUxRdw?oc=5) · The Post-Crescent
- 2013-07-01 [Darin S. Bornemann Obituary Jul 1, 2013 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFBLVnhYbjdtb2FxeHRoQzN1TjVpY1dQYVZnM3hUdVdVNG5jZ05zZnJLWTJ2ZG94N21EZFJUMENnU1lUVTh2RTU0M0dJNUxDZEs1QUQ0SVVneDZXeXY0OTBQUTRMREU2TjZYRnZ4N3F0T1YyNFk?oc=5) · wichmannfuneralhomes.com
- 2015-02-14 [Business briefcase - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxOWGRzZ0NhYzFoQzgyZ1NCS0I0Wm5QaHVEclJGMUFld0xpNVlEeVRqNHVWX3VXMTFfMEZMSDh1Q1B4bHJ6YVlmaTV3R19QTTNhaTVySnhucDVQbGhCZnh2RXdQSDU4MkdtSGxFSnVCX2hIZTZGSDV6d0xpSXZ5RHNNQTRQRkRzRUJyNzJJYVo4U0lpUQ?oc=5) · Green Bay Press-Gazette
- 2017-09-06 [Alice Goldschmidt Obituary (1924 - 2017) - Brillion, WI - Green Bay Press-Gazette - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQN29ETzJaQjhCeVE4cUYycHA1by0tUE1RMlVmeDVla1psRTBnejBOMEVOQjl1cERROUJJRUV3Z3RkcG9LMjRPZUxFTXpxWUxiLUVMUi1ZWGhJSUtuWk5VUnJpMXBkZmplcmpEd1B2cFZzRXp6OXQtczZaRnNKd3VEdUZBR3pScVVMWEFyUHF6eFpQaE95VGdZWU9USUl5Smt4OFVN?oc=5) · legacy.com
- 2015-03-02 [Ariens reflects on passing of past president - Lawn & Landscape](https://news.google.com/rss/articles/CBMifEFVX3lxTFBuTVVnSWlIaVV5OWFxU0xDYXBITERVczcyX2FhT2VXV3d2VVk5RDJBMGtBS1hTNDVrWkFxX0l5b3plYzFtNkFNbnEzMmdWTFZJWlBaZzFjTW40S2k1WFpRR21EX2pYcktlbDU3bVBEaTJkYU0wam5nY3d6MDA?oc=5) · Lawn &amp; Landscape
- 2014-11-01 [ThedaCare welcomes family medicine physician - The Post-Crescent](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPT3E4XzlmeXVXeV95N3JBem1yUDN0NnpvdGhueXdJVGhfNEl4OFJfLU4zNzhwbWJQcVhPTDhIaGxDTGphbVg2SFU5YkR5bmxpUVJ1YWVWaTlMeU5vdktYVWFHNGFMVnhJTDk4OFNiTHhDdFR3empnV21pQTJ4QXdoNlhrRUtwbjBBQ05RNVBzZkM0bXgwSTYtT3h4NXNidGlFM3FVcGhLU1VxQQ?oc=5) · The Post-Crescent
- 2015-02-15 [Faith Technologies receives Patriot Award - The Post-Crescent](https://news.google.com/rss/articles/CBMipgFBVV95cUxQU0VlUGZ5UFRUWGZoLXg1YTBWQTNrU1lPc1NlS1FKTkt6VGpydy1OZHVyd0JoeWZ1SGNQSi1CaEsxZlJYVHVPckRDZ3YtZUZDZXBCNF9CXzU2Z0xiTldRVHE3OTVXWU8xVDZfRDJSOXUwaElOV19MdUY2azZlLUhsb2g2VUxVenlXTTZkVjlNdFRzbFY0c0NPVmhFOVktM2ZWekE2M0J3?oc=5) · The Post-Crescent
- 2023-06-04 [Michael Ariens Obituary (1931 - 2015) - Brillion, WI - Green Bay Press-Gazette - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPVFl6RmxrLWRVOWdjZHI3OURRY2RtSGtsOHBrWHFXY2RJTFpnYUJRLXl6VjZSUWJYWC1Gb09PaFlXZjBsMjVteUg4ZGd4d2xjSDlBcFNoUmlkMkN1QW1iZDZ1QjFBbkZCdlRZOGxiaGdkLU5SU3lSNWc2XzlzaGFZZWEwaTR3UVVGSS16MXBmV3hEUmJ1Wm5QNVdYVGswb3M?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11607 (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/23.json (key "11607", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide