# BLC COMMUNITY BANK
LITTLE CHUTE, WI · FDIC certificate 11608 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $475.5M | |
| Deposits | $378.4M | |
| Loans and leases | $390.0M | |
| Total equity | $44.1M | |
| Loans / deposits | 102.02% (p91 of band) | 82.04% |
| Liquid assets / assets | 16.75% (p21 of band) | |
| Uninsured deposits / deposits | 39.47% (p87 of band) | 25.97% |
| Brokered deposits | 9.29% | |
| Wholesale funding | 19.90% (p93 of band) | |
| FHLB advances / assets | 10.61% | |
| Tier 1 leverage | 10.22% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -10.22% (p42 of band) | -8.10% |
| AOCI / equity | -0.56% (p39 of band) | |
| ROA (annualized) | 1.70% (p75 of band) | 1.28% |
| Net interest margin | 3.25% (p17 of band) | 3.91% |
| Efficiency ratio | 46.69% (p13 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 4604.71% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 98.20% (p86 of band) | |
| Auto loans | $610,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 | loans exceed deposits | reserve under noncurrent |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | loans exceed deposits |
| 2012-03 | 6 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2012-09 | 2 |  | loans exceed deposits, deposits shrinking |
| 2012-12 | 3 | charge-offs p90 |  |
| 2013-03 | 3 | reserve under noncurrent | charge-offs p90 |
| 2013-06 | 4 | assets shrinking |  |
| 2013-09 | 4 | deposits shrinking | reserve under noncurrent |
| 2013-12 | 4 | charge-offs p90 | wholesale funding >15% |
| 2014-03 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 1 |  | assets shrinking, deposits shrinking |
| 2014-12 | 0 |  | brokered >10% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2017-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2017-12 | 2 | brokered >10% |  |
| 2018-03 | 2 | wholesale funding >15% | capital falling |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 4 | loans exceed deposits, capital falling | charge-offs p90 |
| 2018-12 | 3 |  | loans exceed deposits |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | loans exceed deposits | capital falling |
| 2019-09 | 2 |  | loans exceed deposits |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | loans exceed deposits, deposits shrinking |  |
| 2020-06 | 3 |  | deposits shrinking |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | loans exceed deposits |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 1 |  | brokered >10% |
| 2021-09 | 0 |  | wholesale funding >15% |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-12 | 4 | construction >100% equity |  |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity, capital falling, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity, NIM <2.5% |  |
| 2023-09 | 4 | capital falling | wholesale funding >15% |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 2 | capital falling | construction >100% equity, wholesale funding >15% |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 2 | brokered >10%, wholesale funding >15% | NIM <2.5% |
| 2025-06 | 3 | construction >100% equity |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 3 |  | brokered >10% |
| 2026-03 | 2 | loans exceed deposits | construction >100% equity, capital falling |
| 2026-06 | 2 |  |  |

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

- 2017-02-11 [Who's News: Feb. 12 - The Post-Crescent](https://news.google.com/rss/articles/CBMihAFBVV95cUxQYnZTQWFyWFZJMVR5c2FwTS1lelhMN0hTYVFJYl9KRVZ0ZHZnNUNMU1BvUkRLWDVQRzFCXzM3RVdYamNMc1ZGM0h1TV9Xc1RnOHJOaDFXWUxDRWVlcXlPZHVhajNGMkw4SE9hcmV2OE5KampnRTBzT1F2XzU5VUpnbTJEMUw?oc=5) · The Post-Crescent
- 2020-07-19 [Robert Look Obituary (2020) - Little Chute, WI - Appleton Post-Crescent - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU3p5cjRpMmhXdmM5M2lzVWZ6RzNSTXZuaVktX1FMbXlVTFlZY0tJUDk3WHBGblpKNjRORkZLVmxIUkV5M1BIcXhPTmc4Mm9sNEF0NVJNOXZXbFVKQ284ZVNHYlV6c3NPc2xtQjlZak4xbnBsUE5RbHdIcG1QRkZieUliaXR4dVM0d2tKLXh4YkM?oc=5) · legacy.com
- 2022-03-13 [313 Dodge wins entrepreneur of the year award - Kaukauna Community News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSk5wM211WVZVYkFGQ0VCR0s3MFZVYWxEQ1BiWUNzajExSWl4WmdBQVcxRjhNeEpNWnJTRVNqWmFzRE5YR0FOV0ZxVHpuUEZ1d3lPWWpnN1J3ZXFWT3RfWmxKWEhaOTNhblViOGpMVXdOMVZsQWxMUW1VV3NDaFE5bWgtWXRnZ1VkcTZJRkxOQWFlY0ZvS3dV?oc=5) · Kaukauna Community News
- 2017-09-02 [Who's news: Sept. 3 - The Post-Crescent](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZGk5aG1xWkRnWWNobzBWQlFPTHAzdS1CX19fUFFyeG9pclFRbTFkSUlSUHZHbmg1dF9RZmRJMkdrVDU2eEVSR0xRSUtOZE95V3Y4VDN3NGJDanpDenlvUjdPcnFuOUFqWi1kQ2hnaWM5NGVEdmktc1F3RVktUG5McDl5dWxuZw?oc=5) · The Post-Crescent
- 2016-11-05 [Who's News: Nov. 6 - The Post-Crescent](https://news.google.com/rss/articles/CBMigwFBVV95cUxOLWRBRy1Yam1rblZ0SlQ0VmNBcDlNdWpEaXRHUGtlcF9WRVBtS21JZUszcGdyOERhZmQ1bmdBY1FKSko0Z3NJZ01xSnI1S1F6NFUyZGkySV9OMkVMelpFRlVPMzc5S2FUSmY2WS01ZktHaXhyX0czc182a3JYYTFXdlRkRQ?oc=5) · The Post-Crescent
- 2015-09-26 [Who's News Sept. 27 - The Post-Crescent](https://news.google.com/rss/articles/CBMihgFBVV95cUxNM3lMMDZkdUhHSmk0T0xzSkpYaXAzNVdQRzlwRXZFZ3I4ZGFXSF9kMGM5bm1namRJeFJSUVM3LW5adXlxdmRtRGRtajByZC1TU2VicERJMi13VW9yN3E1X29ucThkOS1VQmZZY3NBZjRiSDBxc3F5Mjk5dXdvQ1dqNVl4RlJDQQ?oc=5) · The Post-Crescent
- 2016-06-18 [Who's News: June 19 - The Post-Crescent](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSjdwWlhlU0x4eTN0eWp3eTZuTzNyVEp2ckRrd01mYm40QUY0d2pUcmxfLTc3N3U0MVYxTERZU1Z6QkJyRVNwcnNHM3h6dzMyOFM3U0ZzOU9MVXdjZTM5WVFvZHlyaXNpUnd5MFByQ0xSY0QtUEZWMk8yNmJtMjhTMEJQLWZxZw?oc=5) · The Post-Crescent
- 2017-05-06 [Who's news: May 7 - The Post-Crescent](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdmxRV2ZSWlFHV1RMcXBtZW1DbWtva1JRb001QS0ySTc3UUxrX2VQNGhIN0F6UWFzYWE4QWtCaUdBWnQtSWVjVlNUanJlVWdTbWk2YUhMZjNFOEpvTzdWU3hsSFQ4emVLQWQ3UmZlT1VVeUdHalR0VFBqOExGNHlUbExXcFE?oc=5) · The Post-Crescent

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11608 (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/24.json (key "11608", 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