# BANK OF CASHTON
CASHTON, WI · FDIC certificate 12325 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $146.1M | |
| Deposits | $127.0M | |
| Loans and leases | $99.6M | |
| Total equity | $15.2M | |
| Loans / deposits | 77.55% (p58 of band) | 73.59% |
| Liquid assets / assets | 24.84% (p32 of band) | |
| Uninsured deposits / deposits | 15.10% (p32 of band) | 19.81% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 3.76% (p67 of band) | |
| FHLB advances / assets | 2.39% | |
| Tier 1 leverage | 10.90% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | -6.51% (p50 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | 1.25% (p55 of band) | 1.17% |
| Net interest margin | 3.69% (p37 of band) | 3.93% |
| Efficiency ratio | 64.20% (p46 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 59% | |
| Construction % of loans | 12.16% (p42 of band) | |
| Auto loans | $1.6M (1.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | uninsured deposits leaving | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 | capital falling | charge-offs p90 |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | capital falling | deposits shrinking |
| 2023-12 | 1 | uninsured deposits leaving | capital falling |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2025-06-13 [Eunice A. Cary Obituary Nov 15, 1965 - vossfh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9vcVNrZWxJYW9CbE8yZlU3LTdENDBmVHJ5NG4tc21XZ0VYMVJ0aVoyS2Y5VXRna0Y5ZHBjdzVQbU5zOUN5cTZ6UlJEZWVzQU5RTlQ0bnJmS001UFE?oc=5) · vossfh.com
- 2025-08-29 [Previewing what's new at the Cashton Fall Festival - wxow.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPaEpLVGQ1OGd1Y21YemozeTFwTVJ0bktwa2U0X2pnYUNjLVBIRXB5clNIcWtzSEZDQlFnNUVHRERBbjRZVUl5TDVCYnZCZC1yTUpGQ09XeUJLVlk4UlNPUmkwdkwtc29uVXRSVnZHb1dNV2UwUV9kckRPZHI4cXpzSXd2Rm4zOVJvcmpLWktUekU0MEtrNUNoMzNSLXRlS2U3MFNnUFl6SkU1NzVpcXlkRlhVWXNySUgwZkItNmQxMDBsMURxU2NCQzF1dGI?oc=5) · wxow.com
- 2019-10-02 [October is National Co-Op Month - USDA (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTE04VTZEYzJQemduU3h5d3FMYXRSWFQ5Nzd2MEVNWkF1Z1pjcnpxN1MwamRmeENYODNyNlZpZkpjWW1YaUNzaWlJNHdqaU5GSEE1c2Rxd2tZNmViaGwtVjcyMlNCbHZubHllQ0pwUDFqVVF2MnItdGVpNWVB?oc=5) · USDA (.gov)
- 2023-01-24 [Former Cashton football player Jacob Gronemus passes away - news8000.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNWjV1YlpwREVCcDBjLVBwanA1aVNKYlFTNFd6TlpUc2xfVFpNdTdPS09ZYjZOWDZrTkJHNERmTGlPRHJidDE3X1UzWG5mMm5JRmhvbENRV0dvNElhanVqLWlOeWZSREd3dmt3MmV0QnB0aG5qSEZiRmxrUzIySUVtZnNHS1VkS19LeVNzdy1mOE16eENsZEFoSFNRTC1TLS1qNEVZNTlHVU1XS05IblVzTzNpY0MtdXFnOE9GUkx6U2RWV2xrSTJwTDR0bjNoOU04ckk3MFZVSGoxbl9NSU9fOWNEUU5oa01TOUFESUlUMzltWkgtMmZPeXpB?oc=5) · news8000.com
- 2023-10-18 [Shirley Mae Servais - Coulee Cremation](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9hM3FyVURoYlloMmhleXlKaVdMMjRPQlZEeV9oQy1mbXJ4NVZfdWY0eHRMREJmM3phWGhIRm12b1J4cXNvSE93ZDJNYTdXU28zRDY5ZFZUdw?oc=5) · Coulee Cremation
- 2026-09-09 [A royal invitation to the 79th Cashton Fall Festival - wxow.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQN3lVX3FWRndtcEJDOUtPSXlUX2lWcEVMbFl6S3BiWHpzZElvcktKVlpvN3o5X1Y1aTFzeWFNejQzbHhBRnRxVHFSWlZNUGpldDJkckJkM2Fsak9fYkRsZ0pPVjRRSkZqdUxJdXlOSDEzVlAtcFUzMzNhSElKVXZJNHdlNlJ3UEdIS1VyaUI0RzRwdEhHUHNCZmd1RjRMcjdYYk1sa0Jqb042N255bnFSc2JfaV9ZOFpOUVR1UGRKMEdoMVFkTzFN?oc=5) · wxow.com
- 2021-12-24 [Hawthorne named CEO of Scenic Bluffs Community Health Centers - thecountyline.net](https://news.google.com/rss/articles/CBMimgFBVV95cUxNS05jWkxtMXUxWTJ4ckhheF9NU1Q0UE9ib2l1R1dfTDQ0cE1rcWNXdlBDMlYtSnFsZ09MVXp1eEktZ1A3WEtnVnJ3dUgzWV91R25rRElYN2piRC1TSjdaMDd0M3lBZkl6alNwQWVWNGRtanU2Yko5MDdPeEM3ZzFvY0pZaVpHMHZtVXNCYmJzTDNoOGtZS0NrajRn?oc=5) · thecountyline.net
- 2023-01-20 [How many cooperatives are there in U.S.? - Farm Progress](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUjJ4akd1RE1CMDZpVUxiQU9PaWxYcUdMTURrWTBZdVUwdGtzSi1Ob0FJeFhJa2gzQWhleUwtZ0s3YXl3WXFrMFg3MkVXU0ZCSzI5UzBpR3pYM0NfbDRTb0lGLVZ1RHpPam9iZEpvZ1Mzcm9DeG5acllnZzFPWnMwY0NxMA?oc=5) · Farm Progress

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12325 (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/37.json (key "12325", 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