# BANK OF MONTICELLO
MONTICELLO, WI · FDIC certificate 11609 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $76.4M | |
| Deposits | $68.0M | |
| Loans and leases | $42.6M | |
| Total equity | $6.9M | |
| Loans / deposits | 62.69% (p39 of band) | 68.02% |
| Liquid assets / assets | 35.15% (p48 of band) | |
| Uninsured deposits / deposits | 4.46% (p23 of band) | 8.86% |
| Brokered deposits | 1.31% | |
| Wholesale funding | 1.84% (p51 of band) | |
| FHLB advances / assets | 0.53% | |
| Tier 1 leverage | 8.38% (p18 of band) | 10.05% |
| Unrealized securities loss / equity | 4.89% (p64 of band) | 3.01% |
| AOCI / equity | 0.81% (p78 of band) | |
| ROA (annualized) | 0.44% (p30 of band) | 0.76% |
| Net interest margin | 4.00% (p65 of band) | 3.75% |
| Efficiency ratio | 79.62% (p64 of band) | |
| Noncurrent loans | 2.40% (p70 of band) | 1.21% |
| Net charge-offs (annualized) | 0.30% (p72 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 32.54% (p70 of band) | |
| Auto loans | $336,000 (0.79% of loans; DQ 7.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |

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

- 2025-02-10 [Area Banks Announce Merger Plans - hngnews.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPcHNKYXBySUw4YjI5cVVCcHh4SUZqX1Y2Tm51M2stNzM3UVNoRGN1d2RvejIxUFFueUhlVW9fbzQweWNHUGhVTkZmd1JTeTBicTVSbVJHZU5wU1VuTjd6QTdQNlZWbXpVMG9rY2Y1anptV1dBanpya2N1NmNoaVcxcTl3ZkpoRElIclJXdlFSd1JyR1UwbGx6Q3hkRndCUW5VWk5GdXpuamVTWTNTN0tjb0k1eHBIRFkyckVDZDQyN2tmaFM5aldmNA?oc=5) · hngnews.com
- 2024-01-09 [Jennifer Jean Blumer Obituary Jan 9, 2024 - Beal Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE9Ield1S1A1cXFLUlRKRWl2RmNZaDQ1R3BRb3BNMExxakc5NmRKWUdlNXRFRVhyVlBuY094QWtUMTBSdWF3eWhGZHlJd3YwVEVfQS1Za1VTQmhHSEtsTFdmMTU1SzNzY3RfVmtJ?oc=5) · Beal Funeral Homes
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - zdnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · zdnet.com
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - Android Police](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · Android Police
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - androidcentral.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · androidcentral.com
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-02-10 [Greenwoods State Bank Finalizes Lake Mills Associated Bank Branch Acquisition - hngnews.com](https://news.google.com/rss/articles/CBMikAJBVV95cUxPTTZLOHNSRlo3a0lSb2x0S0RvdGdZd0RDcFV0VFdCZGZVaGRiTTRoVmNidTFWMVYyQnlVMnhmU2UxSGtrOWhhajRnVmwtcUpMRkFGaW4xZkFSQlVteXVlWTlBcnZVS1JzczVOUkRFMmI4UUM5WS1TYlhRcDFTRlV0NjNaci0zd1NrdUFjVHh4UUZDSWdYR2VrUEZxNXFxR2hSWUhwZHZqdnZuTkNuM1RmMEd0dl9SVjhWYkhDWlNpUnZnWjZNeENNRm0zWEItTGxlNlgxX2lHeVRXN2g5XzN6c1FZbkZ2el9SRWo3cm5mOXlHR21GNi1Dekxmd0xRUDE3X01TMTR5dVhWd0RhU2hKOA?oc=5) · hngnews.com
- 2012-01-29 [Anna Marie Klassy Obituary Jan 29, 2012 - Beal Funeral Homes](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5XRUhxcmJFaEpUeGxuSE43SmJ5RVVlR2x5QWVXQUdVdjNWV2xTRkFGMVQ5bjhNYlctU3NJUDl4T25qUElSajJpVzZXTHA1UTFCbDhuOW9saEl2cWh1SlFvemdOVWhldw?oc=5) · Beal Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11609 (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/25.json (key "11609", 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