# COMMUNITY BANK OF CAMERON
CAMERON, WI · FDIC certificate 12349 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $226.9M | |
| Deposits | $198.6M | |
| Loans and leases | $157.3M | |
| Total equity | $20.0M | |
| Loans / deposits | 78.33% (p59 of band) | 73.59% |
| Liquid assets / assets | 27.37% (p37 of band) | |
| Uninsured deposits / deposits | 12.12% (p21 of band) | 19.81% |
| Brokered deposits | 2.98% | |
| Wholesale funding | 5.87% (p75 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 9.00% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -5.64% (p54 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.86% (p82 of band) | 1.17% |
| Net interest margin | 4.41% (p73 of band) | 3.93% |
| Efficiency ratio | 56.43% (p26 of band) | |
| Noncurrent loans | 0.53% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.17% (p91 of band) | |
| Reserve coverage of noncurrent | 208.58% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 69.53% (p88 of band) | |
| Auto loans | $685,000 (0.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | assets shrinking | uninsured deposits leaving |
| 2013-06 | 3 | uninsured deposits leaving |  |
| 2013-09 | 2 |  | reserve under noncurrent |
| 2013-12 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | uninsured deposits leaving | capital falling |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 | uninsured deposits leaving | capital falling |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2023-04-14 [Funeral held for fallen officers in Cameron - WEAU](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPa3ZLUUhIOWFtMDZ6RnZqVDRNQWFzVVNlOFVhY0s2SkVEdGlFVzZaVFFTMVNFMHJaOGZJdGl5X3VDMWM5cHJNb0FBaWJEb1ZRNXFxbVY2MFgxZ2dTeklQVEJBSFhjcl9IaVFqX00xNi1sX2Q5Vzc5QWlZZi1pRm8wMXpNamV3WTZk0gGcAUFVX3lxTFAzZkRsTTZwcXp1NDJwNHNIdG92VVgxcTROQ28zakd2TFhkbGJ4U0RrNURmZEd3enhMOEdPWEVfbnU3bEpaNmpCTVR5cGMtNXVISlp2Qmp1WmwwQlNzX0d1SWVSWXRYcExqalNrUW84Z2tkWVVoN0VhZzJDaktkMWVGeXB0ekRSNERFUU53LVd2eFR5cUhTV2JMRkxNaQ?oc=5) · WEAU
- 2023-02-22 [Cameron counselor receives grant to help her students pursue opportunities - The Chetek Alert](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSjM5M0Nyd2p1VFpXTEhxQmVRTWdaSmVlZ29RZWpxeVVCT0trUWM2aVloWUFqUzlhNEFQTVRfN1BneGJYaGR1UldkaTFQTTJVazEtQnB5bG5KS1dSTm1QZTFna1I3UXJIcjBzNjVrMmdiNUxvUlh3ZlVTZXBDakhaMF8zSkNna2xrVXJ4ZWkyZUVmaGRHblEw?oc=5) · The Chetek Alert
- 2023-04-10 [Slain officers, alleged shooter identified in western Wisconsin roadside shooting - kare11.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOZTVybDdqdENvTkZLUzFla1E2SS1pYzc5WnZnczdjU1otVW1RZ3ZIdk02eDJYN1BKSHJocVZtVDgzazB5bmEwSjdqV0pkWFJDdjdqaVZ6cnQ3LUszLWxWLTJJMDk4ZmFlVmtURHp4TzM3RFNTTlp1VVluNld5TEFBUm84R0Q1T19TeGQ4TG9nSjhuZmdZMm9fdGp6NWJWSHVvWjVRYzNaS1RYUjd6MlRNREFPY1UwODdYRlNQSVp4UjlEcndJMmRWc1VNbXRRejNBMVVTRnVWYW4?oc=5) · kare11.com
- 2025-10-30 [FHLBank Chicago Awards $5.9 Million for Developer Program to Empower Emerging Leaders in Affordable Housing - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPUDZKMEcteXdmNXZ2NzNSOWhuaW5lOC1SV3Y5RjBDRjNmWERrYXVDLUJ1N1dCbWxiSnFWV3VXRmQtNEU2UVJ1bmhzMDZmenNBMUhkUlFPNURwcjhySHpTb2RSU1lUZHNZZFNDMmZ6a1NXcl92bVNTTzlPZjh4cEZkZi1hUnczUE16cVl3ZDd4UXFsQ2wyeHFvazFZdHlvVFRGcGdQdE1GN0oxblFCajI3YWotclBpejVpYmM4ZVFyS2RaWm5uYWZtZEN4N1JNLVJQVUxjRUpiNkRxaG8zZ0FpSWVuQWNpem5zZnEyWTd0X0FOYWpyMG9RNmF3?oc=5) · Business Wire
- 2024-10-23 [Lee K. Romsos | Obituaries - DrydenWire.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1GQmgzaVBzdTl3Uk9hSUtodVp1NkN6MDFqT2pNMUZTLXAwRWNTSURNR1dkald2T2pQenlWbElLSkllYzhaVlN2MjR5Vmg4N0hXMEtoLURzdWg3M28?oc=5) · DrydenWire.com
- 2023-05-19 [Man who killed Wisconsin officers had history of domestic problems, investigators say - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxNOUxBVnFSQ3V4NWlqakNSdDg3NlR5Nm41YjNnQTlkZk9HV21vNFdvV1QxOVJDVjV6YmdVTnFvSE83Xy1IWW5lU2NzU1hjSVY1YjJUQXVZeklXUy1OS1ZtWXc0WEw3MmhnSVg3VU9LQVB5MDV0aGxMdmQ1WTQ4elpJbGtHM1cySXRGNWY0bEhna2p3VmJEMENFZXU4QQ?oc=5) · CBS News
- 2024-10-22 [Lee K. Romsos - Barron News-Shield](https://news.google.com/rss/articles/CBMimAFBVV95cUxQbGdfNmRWS3V3dE1GTkxVNE1KcEZFaG9ib2pfTTZOSTNCWFFKY011YWxUNUpxRjFyWlRfSXpzV2thSURrTU85a1VOdWtDeHJtSVJpMExJRHNjUmhHbWdVZzIzRDZqMENuNmJKOWcwdXd5WG5SbVJfclY4T3o5eFdGbjBRR2NzWjFXcVN4OHMyaTNBaTdDMWxJUw?oc=5) · Barron News-Shield
- 2023-04-11 [Funeral held for 2 officers shot, killed during traffic stop in Barron County - TMJ4 News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOcWtVTHZITlFfQnR4bDUyS1NXY2pTWmlfWlY3Uy16UEQtQnUtOUdqeldZVFFtdGo3VThVV2dwMWNua2RPTy1WMGpxTFd2SUk4dDlEamFqa1MtWjhuX3cta1VuMVVoeDFuV3F0Q19VTzh1cXFhdm90RDlaU2NjZ1A0ekZzNDl5dFNZbGNpU3BwWHdIUUxfWDllTVZCQnV1VW5jVndRUmZUN01PWUNNOXUwZnJB?oc=5) · TMJ4 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12349 (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/61.json (key "12349", 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