# BANK CMG
MADISON, WI · FDIC certificate 11623 · asset band $1-10B · 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 | $1.06B | |
| Deposits | $935.0M | |
| Loans and leases | $788.1M | |
| Total equity | $94.9M | |
| Loans / deposits | 83.49% (p41 of band) | 87.10% |
| Liquid assets / assets | 22.05% (p54 of band) | |
| Uninsured deposits / deposits | 44.85% (p83 of band) | 30.76% |
| Brokered deposits | 11.59% | |
| Wholesale funding | 13.10% (p74 of band) | |
| FHLB advances / assets | 1.51% | |
| Tier 1 leverage | 9.61% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -4.20% (p67 of band) | -7.75% |
| AOCI / equity | -0.01% (p73 of band) | |
| ROA (annualized) | 0.97% (p29 of band) | 1.26% |
| Net interest margin | 4.17% (p77 of band) | 3.70% |
| Efficiency ratio | 70.33% (p80 of band) | |
| Noncurrent loans | 0.24% (p27 of band) | 0.51% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 388.33% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 83.25% (p80 of band) | |
| Auto loans | $204,000 (0.03% of loans; DQ 7.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 44.6% | |
| Employees | 127 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90, charge-offs p90 | expense ratio p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 1 |  | losing money, noncurrent p90, charge-offs p90 |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2023-03 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2023-06 | 2 | capital falling | brokered >10% |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | expense ratio p90 |  |
| 2025-06 | 3 | construction >100% equity |  |
| 2025-09 | 4 | losing money |  |
| 2025-12 | 3 |  | charge-offs p90 |
| 2026-03 | 1 |  | expense ratio p90, losing money |
| 2026-06 | 1 | brokered >10% | construction >100% equity |

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

- 2026-07-12 [Bank CMG Acquiring Farmers Savings Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMia0FVX3lxTFBYY1N0WXcwd0o4S3l4Q05qeHk2di1xLUlmOVp6RDVIeVp0Zjg5T0pnMG50SFBNZkxkMzllOEJ4aTBMNmhfZzBtN1FuY2c5bXVUX1ZnelpuUHBGUTl1eHlvd3ZFUFZRS1VtSDh30gFwQVVfeXFMUEtfd2Nialh6eHRaMzBDNHlUTkdlWjNiclcwNlhIQnBsdUYyZXBNeF9GeWJ4RFpPOGdYWHVBSUcxME1DcS11cUp6akNiRHZfQkRfWG1BRm50bGJRQ2ExZXVjbkY4a3o5bVhCRnhsWTJ5bA?oc=5) · Pulse 2.0
- 2026-04-23 [Bank CMG Welcomes Jake Stilling as Vice President of Business Banking in Southeast Wisconsin - newswire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZVhLc2pCLUVESTFVRFhnTm1kbGFoUThlaXZiWmFub244TEQyc3pUNzdpVWx0TEstOXduczFYalNZbkNfelZFQS1RaW1BYWVhUTgwdDJWSUlqVHQ2endoc242dkM5ZENib2llelNfajAxTDBmVF9RVGc4ZGRyRlFxTkJEVWZvRnBQdTg3S05BSzNpSXdYb0JOenIwQWw3TnJ1VVpJcQ?oc=5) · newswire.com
- 2026-05-08 [Light Wings Presented by Bank CMG - Madison Mallards - Northwoods League](https://news.google.com/rss/articles/CBMihwFBVV95cUxOSDNaRE1rNmMxZkVodmlUWUMtRWN4SmZRYlVnMlJ6UVJfUEU1RzlzNUFxRXRqM3hwbk05d0JYblhoOTR5a19KX0Fhd2lFTVNGYjZiaVhxNDhfQndjbGpmQTA3cWxYVEo0QkhJY0t1SEJ0T1gwN1VhN0FsdFJ3UmtTQVpfa05rbW8?oc=5) · Northwoods League
- 2026-02-25 [Monterey County Bank Unveils New Brand Identity - Yahoo Finance](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUE1CNlFFYkJoWVExd3gzcHVncXZKRnpJM24tZGl5SGZQSm1mVjA4NnJOMlgwM0MxRmN1NGUwVlNvMHpaS0VoOG40aGx0MF9ZLU1scmp2RzkxNlZhSC16QVRHbDJ0Z2hmWks2N0x2SkI4a1FveVkxcWhES2hGT0pXUjJZQ1lZYnM?oc=5) · Yahoo Finance
- 2025-10-01 [Greenwoods State Bank Announces Name Change to Bank CMG, Expands Financial Solutions for Customers - newswire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOMHBYTkdWVEFXN3p1OTcwVFdMMTFpVXhlaW9QazQyNGJIUHcyTmQ0U1prWWNUMUZjLTF0VkMxalRBX2l4el9WUG9kU1diOVItbnBUSkhka053amNLRU9qejU4VGdHbTNSTi1FY0xyZU42eVhwenBYRFhFcWRqN1o3RGdrS1BIUkFGRHVCQlJDWXoxYUo4WjJYU2JRdW8ySmkwb2pJNA?oc=5) · newswire.com
- 2025-11-13 [Waterstone Mortgage on its structure and profitability - nationalmortgagenews.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNRFZ5bGVXVTl6Rllid2k1VzdsRkJTYW1sYjJVbTVrRjk5eGNyUkhtV2JGR0VCQmpIcHNPVVBsYnJOVjhESlpTNEdpa0hVaTJUVEhadTJ2WXRYa1JiSVRjbFlaNXdCa1NpeXVuazMyU3pIU2VQOVJFR2hHbzNOZFZOSmQ1bFZVYk0yNUdJUXRiZU82ams0SzIzbWFwMGc?oc=5) · nationalmortgagenews.com
- 2026-04-02 [County V roadwork to start April 19 in Lake Mills - hngnews.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPcXhEZkhaRFZFQW5yZkRrNmJyd0djLTFxNm9VZmhKZU81emM3amVBM0FjVk5DUnZsZW02XzhEZ0xGbnplZVh5ZllPN0txR3Q3aS1kcDhfN1RBMGZPQ3pvV1N1dWFsMzl6SU55Q2FQZ3BvNWpEa05fOFJyS0xSajktTnBETjE0UFNqaDV2T0l2WnpvNXlnbUFoUzVLLWpFTTRzMHU0ZGstd2stQkpyakRnV3dHTTZoZU10M3VkdjRfZ19pdFM3RkN4Z1NpeUs3ZjZycE9rcjU3OHBrSHRHQzFNZ3lIUDFnUnpCWmxzOHVoWQ?oc=5) · hngnews.com
- 2026-03-10 [Mallards and Night Mares Announce Light Wings Art Installation - Madison Night Mares - Northwoods League](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQNUIwMEx1WktvOEhiOFF1bUZvYkVhMzRobHAwdUhEWFU5R1lPRnFSOG9ObHdYQjJvZEVFeGZ6Xy1KZ1FWZnh1OXQ2c1JpazNYeFh4OENNTUx3UmJzc3ljR2xFT2pzRFN6VzA1Tk1UM0I1dzNXV0xyNjZXQ28wc3JUSFczYmlSdzU2cEphbU1GN2MybzZyQlRhaXpOYzJTNWJsMkM2WE1GT0ZSeVNiVzc4QjJ3dE9MdktxWHdQaGFqU0U?oc=5) · Northwoods League

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11623 (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/39.json (key "11623", 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