# BANCROFT STATE BANK
BANCROFT, WI · FDIC certificate 12342 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $72.0M | |
| Deposits | $63.5M | |
| Loans and leases | $44.4M | |
| Total equity | $8.4M | |
| Loans / deposits | 69.78% (p41 of band) | 75.30% |
| Liquid assets / assets | 34.94% (p57 of band) | |
| Uninsured deposits / deposits | 12.12% (p40 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.32% (p57 of band) | 10.87% |
| Unrealized securities loss / equity | 0.66% (p32 of band) | 1.65% |
| AOCI / equity | 0.07% (p24 of band) | |
| ROA (annualized) | 1.14% (p66 of band) | 0.88% |
| Net interest margin | 3.59% (p46 of band) | 3.67% |
| Efficiency ratio | 67.81% (p40 of band) | |
| Noncurrent loans | 0.94% (p58 of band) | 0.69% |
| Net charge-offs (annualized) | 0.03% (p59 of band) | |
| Reserve coverage of noncurrent | 11.78% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 31.15% (p68 of band) | |
| Auto loans | $549,000 (1.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | losing money |  |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 2 | uninsured deposits leaving | noncurrent p90, losing money |
| 2013-03 | 5 | capital falling, losing money, expense ratio p90, noncurrent p90 | uninsured deposits leaving |
| 2013-06 | 3 |  | capital falling, noncurrent p90 |
| 2013-09 | 2 |  | expense ratio p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent, losing money |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2015-03 | 2 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2015-06 | 4 | losing money, expense ratio p90 |  |
| 2015-09 | 2 |  | capital falling, reserve under noncurrent |
| 2015-12 | 2 | NIM <2.5%, reserve under noncurrent | losing money, expense ratio p90 |
| 2016-03 | 1 |  | NIM <2.5% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |

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

- 2015-07-28 [Portage County Bank to acquire Bancroft State Bank - Stevens Point Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxOSWo1cVA1ajY0NXdBWDBUTWVXcmR2MkdITFkzOWpXOFdKQkh6OVJ2cF9uNGE3bDlZcjlSanJxVnRwaVRhQjhEMmllWjJmblhSWnhCYUs3WW5uemlicllPdWVrRWRubF9OMTI5VlN1Z2V6NXliRHJ3a0FEcmlsZldGQkxaakVkWTQ0X0RKOV92WlJPMDB4WkR5ZG5UN2RPRlplZmNpaldIMWhFb3E4V0ZqbVFSN0JCODQ?oc=5) · Stevens Point Journal
- 2023-01-07 [Margaret A. Guth Obituary (2023) - Plainfield, WI - Stahl Funeral Home - Plainfield - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQVHkzYVdXNWxoTV9nWFlmamFaSEQzNDRJQndiSUJaZmJ1TFV3X2h0eUFSVC1DbDh1Q1MwNE02ZW1BYzVqV2I2Q1gySlJIZTJGNkpQc3BpcjB1U0lWaWFGa1NadERPN000X1pidEhBRHhMVHhiQ19pRk5UVzBBX1laalhR?oc=5) · legacy.com
- 2015-06-04 [Bancroft neighbor: 'I'm just in total shock' - Stevens Point Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPaGI5UlJHYXlneWV0V1NyOEpVYVAzZjkxckpkbXM5ZDdvRlB5RlZTNW1wYk9hNks5Z2kycmFmcmZmeElNM2kyUmdMNnpBWXdSZVRld3Q3cFRaeWFyZ1M5bzg0SGVVaVBSa1ZBUWJyNTgyZzNTNFg1aXFGWG9zYlM2eWhjbFFPdXFaelVjT0dwekdIQ21CdVRXNGd2M080c3JIRDBMdW1qQnVoZ05sZURaQU5OX1U4Q0JkWWIw?oc=5) · Stevens Point Journal
- 2014-12-27 [What's Up: St. Vincent de Paul opens in Stevens Point - Stevens Point Journal](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTEhlV1hUdmRBZS1JZVh3V2Nrel8wNVk3MkV5WlNMSzVSbkVpMkl5Z3lySjB1M2NoS2dlSTNjUDZuSFFsUlF2V2pTdXpCS0MwdzJRYTJ1OXUxNVc1YXFORWRKdHhVM1U2NWhEMU1WLUlSMzRXajU1cVpwdWRTc2ZtamxZTWFOSXhuS0t6bUJfTnEwNHFfRXNIY1VGN0ZFZXFmVnloaFBxempvUnRkV1gzc1pB?oc=5) · Stevens Point Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12342 (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/54.json (key "12342", 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