# BANK OF MAUSTON
MAUSTON, WI · FDIC certificate 12327 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $426.7M | |
| Deposits | $367.7M | |
| Loans and leases | $247.8M | |
| Total equity | $57.2M | |
| Loans / deposits | 66.10% (p20 of band) | 82.04% |
| Liquid assets / assets | 41.44% (p84 of band) | |
| Uninsured deposits / deposits | 21.83% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.75% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -15.69% (p30 of band) | -8.10% |
| AOCI / equity | 0.46% (p91 of band) | |
| ROA (annualized) | 2.57% (p96 of band) | 1.28% |
| Net interest margin | 3.58% (p32 of band) | 3.91% |
| Efficiency ratio | 41.17% (p6 of band) | |
| Noncurrent loans | 0.19% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 982.53% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 47.50% (p54 of band) | |
| Auto loans | $2.2M (0.88% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 68 | |

## 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 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 | noncurrent p90 | capital falling |
| 2015-03 | 1 |  | noncurrent p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 1 | AOCI drag >20% of equity | securities losses >30% of equity |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 | securities losses >30% of equity |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-09-06 [Daniel "Boon" Douglas Miller Obituary Jan 3, 2019 - Werner Harmsen Funeral Home](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQzZPSXJUd1VBeWZCVEZJWDlYZTl4cm5pSkg2NU1BbDVXTlZFRXRTUmU3S083WjlxMEpTS0ZsOFRQUmR3Y19qVkVpSHFZemVRUmRhd1ZndDR6OS15MXpFdmdwbUh2bG5NMTRIdDNOTThwRXpoZzRtY2h6Rzd5REZ2RTBXVzQ?oc=5) · Werner Harmsen Funeral Home
- 2022-11-01 [Sharon A. Riley Obituary Nov 1, 2022 - Randle-Dable-Brisk Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE52TTFOUUR4TGl1ZEh4UnBBZEJlVWpkYVdIUW9URzd4VlZrSEpna09UYUs4NVp4NTV4Nnc4Qkwza2N2Z2ItQ0xxc3JuT3dLWWFEQk5uX0dZYm9XSlAzdnpsSDNvbVlacEpQaUZIdUVFNElvR1E?oc=5) · Randle-Dable-Brisk Funeral Home
- 2023-09-02 [Marion Elizabeth Walsh Obituary Sep 2, 2023 - Picha Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA3OXpmTWhVVnI3U19iNEJ6N3Q2T2FqeFlQbkdkdHkyZllLcXYyVks2akw0NDVneW5NdXN5bEFrQXMxbi1RQ1VUaTh4R2ZDNmE4ajZsWi1xWDJ2cjFYS2pzNEpVT28?oc=5) · Picha Funeral Home
- 2024-06-20 [Bridget Wells Obituary (1952 - 2024) - Madison, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOS19aTm9NR0JXa2R5VnpxNnVfTFhhTVd3QVdHQ3AwOWFHa3VUV1NycmpmcE1LbTV1U3FZNGNSLTFCdGtCREJBQ05GTEFCM1NpU0k0LW5MYmk2bDNNNDVycUZFd2RoTzlES1g3WkN4a1BKS28ycGl4VHB5QzA5MzlfZm9RWmExR3BTQzYwWWtR?oc=5) · legacy.com
- 2025-01-11 [Jean Smith Obituary Jan 11, 2025 - Werner Harmsen Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE81YzBlbnVyanVwWmRvcnIzRHBuNnhwcFFUeW41YkNjTDBtSTFOdi1HS3llcU05bjlyaGJlN3pmeklscXlrLXdZeHgyZGZJWVJtZndpUkpRdjNxZEprdEpNbWI1T1l6WGxZbzFOdUV5Zw?oc=5) · Werner Harmsen Funeral Home
- 2019-08-28 [Texan Bryant Buys Wisconsin Jellystone Park for $14M - Woodall's Campground Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxQbnRocTdCbWpXWlFMU0FGZ2pUVVRsc3U5MHlMY1pVbUdLbEk4bTM4SmlBUDJxUEViSXptWHAxNHVYSkdlLTZXYWZyd0NrdWw4TmRyenl5UFJ5Rkd6c2dxMU9HWkVjQ1dpeHhpeDVFeUtRd2g5RE9NTElDNlBQVFFxSQ?oc=5) · Woodall's Campground Magazine
- 2020-10-22 [Russell Hale Obituary (1931 - 2020) - Madison, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQUJVQ05PQjRrcGo0SWFBMndvWjFlRkVkYkpiekdOWV9keXVTQkpfV001SlZqdl9BMUs2Z0FCYUVPanZ0OWpZQ0t4a0Zic1dCRi16WWd5eWtaX3QzUk5uU1doLVpNVkJGendhcG5vc3Z5aXhDTk1oYTdHV1ZPcml3VXRGUXZYWnVXbHpSRw?oc=5) · legacy.com
- 2019-09-12 [Heather Anne Field Sweet Obituary Sep 12, 2019 - Picha Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE5OTzNSM2RrSUxabVl3ckw0aVMwVmJIYnJaUXlEMC1YaVJXQUQ3RlBqamlpd2tlNVdkWFpFWE9hRDZlbGRSd1F0U3h4NFZJbHd2UzhIMU9YT3VockRxaU1vSFJQM1VLYS1YLWlwOW1n?oc=5) · Picha Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12327 (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 "12327", 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