# STATE BANK OF DRUMMOND
DRUMMOND, WI · FDIC certificate 11625 · 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 | $44.4M | |
| Deposits | $38.2M | |
| Loans and leases | $18.5M | |
| Total equity | $6.1M | |
| Loans / deposits | 47.31% (p15 of band) | 72.92% |
| Liquid assets / assets | 53.67% (p83 of band) | |
| Uninsured deposits / deposits | 20.35% (p75 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.76% (p75 of band) | 10.70% |
| Unrealized securities loss / equity | 1.36% (p53 of band) | 1.19% |
| AOCI / equity | 0.07% (p23 of band) | |
| ROA (annualized) | -1.88% (p1 of band) | 0.83% |
| Net interest margin | 3.24% (p27 of band) | 3.64% |
| Efficiency ratio | 155.35% (p99 of band) | |
| Noncurrent loans | 3.29% (p91 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 62.34% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 16.36% (p51 of band) | |
| Auto loans | $437,000 (2.37% of loans; DQ 1.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling, losing money | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent | losing money |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2014-03 | 5 | uninsured deposits leaving |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 2 | expense ratio p90, charge-offs p90 |  |
| 2015-06 | 0 |  | expense ratio p90, charge-offs p90 |
| 2015-09 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | losing money, noncurrent p90 |  |

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

- 2009-06-01 [Hedican joins State Bank of Drummond - apg-wi.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQb2RDR1hZcFI3dWZIZldVVUVQSXIzRFpSUjUtNjVJU0VnQkNfTG9iZThDLUlIY0tLOEVtTHZlTmpmUmNXVThpc1VZQWhEQ3ZSTno4SFAya0RPbTR3VU9wTUltb182ZS1pVlpUOXg4NC1id3h5a1c0VzJMejZRbzZ6UmQ3NTdZcVZ6VWVXOUZUcHFtU2VFNjN0cXFJZGdJWnRTRDhIaW1DQTh3dzFxbEEtcVBRODN0MzhiOHh5VGlnN05GMklMS1oxU25HQUZCYlBpRHVYTmo5d3lLRTA?oc=5) · apg-wi.com
- 2023-03-24 [Bonnie J. Trapp Obituary Mar 24, 2023 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1BYzBwbmlYeHJVNmZ2ZUl5Vnc3TUk2Tk1nLUVNRGI3aU12V3hiR2tGTG1yWDJudlZnQUhfbjlWY1BiWm9aZ2tRVDZNR18zeGVXNUVOOW1lT1JRMms?oc=5) · Downs Life Celebration Center
- 2025-03-29 [Obituary for William MacLeod - Bratley-Nelson Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTFBGSVpPLTBGUGdGX3RRQUZpOGJyTHl2a1NQaDhzdXl0Y0hKQkhwRkt1dzZhY0pwV0t3UzBOeTVzaGFqVmlwNjhCUnlFeUJkTVlha1AyVERYeFpULVY2YzlZcFVzZzZpY1Jha2FqOEFuRQ?oc=5) · Bratley-Nelson Funeral Homes &amp; Crematory
- 2018-03-02 [Michael Lipke - The Ladysmith News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUGJjMjFlQzhQLWg1R2RGZ012NDVPaUVwdllZT1VzRkhmLTNiSzJOU1dybDdEb01qQlFWalRnLWhKOE9BcF96Y3ZRRmFSaWtLcDRULXkyT05HTjkxUnhwSDczdzVhTXJrN0Q4akNvWkdFdTRDWFBEZVJOZUt0LU5ZdjM2NndvWm9fb29mQW1RTjl3TDZF?oc=5) · The Ladysmith News
- 2016-03-25 [Obituary for Howard Timlin Sibbald at Roberts Funeral Home & Ashland Crematory Service - Bratley Family Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfaGxiY1Z5TVlOYlUyODFQUkR5RDJBb09pNVNZVnMxTFZyS3Q5WGs1UURyMjJhM3BrdUJXSGZWZHRudTJyUk8tVW1JUXNwdmlpXzR6VG5YWFh5Ykt2S2g0dXJjdXhTODJlcHc?oc=5) · Bratley Family Funeral Homes
- 2024-06-22 [Obituary for Cleo "Mike" Marshall - Bratley-Nelson Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE8tWmx3a3l4Nm92MWNMWUg5RUxyemxkNm9uS09rTElGaWJSM2pBYldXdkdhbU1aOHFHbEh5QklwS2FOYkZ4eU0tN3JvWVFrMzNNM3BoeG4zMl9iaTNGV2tYbGdLSjF3cFhiVkh4SA?oc=5) · Bratley-Nelson Funeral Homes &amp; Crematory
- 2012-12-06 [Meet the ‘Real Women of Namakagon’ - apg-wi.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPdlNXN0lORm41VUJ6V3J3ZEVYTmtVRnA3YnBnVmdVbnRBYlVVT1p2N1QyOWNVT1ZobDk1NHctSVpnUmtueVphSFpBVUE1TG5IaWV6YUtGSTVDdGZvZzdXTmVEUFdobzNkeE1sWVJlX1JNSzJuM0hpN3ZQSjJieXNyR1NTdl9DcDNnM2xpU0FxTFBNYW1SSWRlS3MxdXNPTldpVjczVnpFSnZ4Tlc2czF0RnVaME5CRFJLS0V3bFRfQjl3aEphRXpEdWJjNA?oc=5) · apg-wi.com
- 2008-01-23 [Carol Kulpa Obituary (2008) - Memphis, TN - The Commercial Appeal - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxObGxxaE15MTc0RTZuUW1udVVTVXNWalZYUmJJb2RDcUV2UmlQRXF6T1RmTl95cU1kSTVxY1NaUGE1OVdPTFdYUnlRZU40QUlqRWVIY1l0ZENSYXg5aEFoeEU0M2dyeG5JNEgyUjVjM3RDQVBSVGdYb2wya3VKVkt5bmpXYTNDSHc1WGh4WENhZWNISWJabkE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11625 (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/41.json (key "11625", 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