# COMMERCIAL BANK
WHITEWATER, WI · FDIC certificate 12518 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $95.8M | |
| Deposits | $83.3M | |
| Loans and leases | $32.8M | |
| Total equity | $10.2M | |
| Loans / deposits | 38.86% (p8 of band) | 75.51% |
| Liquid assets / assets | 64.75% (p93 of band) | |
| Uninsured deposits / deposits | 14.03% (p47 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.21% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.58% (p44 of band) | 10.91% |
| Unrealized securities loss / equity | -1.39% (p12 of band) | 0.10% |
| AOCI / equity | 0.79% (p46 of band) | |
| ROA (annualized) | 0.11% (p7 of band) | 0.87% |
| Net interest margin | 2.32% (p4 of band) | 3.67% |
| Efficiency ratio | 92.75% (p92 of band) | |
| Noncurrent loans | 0.15% (p27 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 939.58% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 0.93% (p17 of band) | |
| Auto loans | $157,000 (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | expense ratio p90 |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 1 |  | NIM <2.5%, expense ratio p90 |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | expense ratio p90, NIM <2.5% |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2015-03 | 4 | NIM <2.5% | uninsured deposits leaving |
| 2015-06 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2015-12 | 2 |  | uninsured deposits leaving |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 2 | expense ratio p90 |  |

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

- 2026-04-27 [Associated Bank CEO wants to pave ‘highway to private wealth’ - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxPaFJ1bzRFVXJiWjBjcmdUYTZXQ0JXeUJFc0ZtbHJwSk54UnZpWk9WaWotU0g3MW1HdjJEdWxxQ1pqNk85V2t2QU5WRm94WjJXZVduaGxYSjRsd1VTbE9aQU1tY1VQa2lQazNIeEZTQmcwSmFaRy12VmRmcnVEVmZWOFBwakJGRlJ5cFlCX1FlYzJpNDk3OFU1cmJ2X1o?oc=5) · Banking Dive
- 2026-03-24 [Celebrating 20 years of relationship banking in Wisconsin - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZ25lTUxqM25PREFoTnlhNDVIMlFlMFprNFBKUTY3OEtnR2txd2pjbzAyeE4tWHkweUROWnZkY1Z6MUlQMDFqNDJEYWhEdEJYYjlwUHZWNHBvaHpFRTRydHNrdmlOWlZ5cGc1UDg1Z2lPc1dkWFg1RGFjUmFKT040WXNZV1RBZw?oc=5) · BizTimes - Milwaukee Business News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-16 [Associated Bank looks south for more growth markets - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQeE5KOUJPR0JZaEI3Nmg2ZnJkaW16d0xHQXlNZGs5b3lrMWdjdEE0eDNDVi1YM21QWVhsU2FBRWdFcUs4S19aU2o0WVFrSXVUNjNOcE5vZHZOSVRlRXFhWHIzbWsxZDVjQW1SckVVaE42MXFRVGE1eGdveWVWWGNwWDlQdndMN21yZXNRYzlpeW1BVmZwY05iSVdUdFNYYlNKY3dwOGxPM1BqdHda?oc=5) · The Business Journals
- 2026-02-10 [Associated Bank names Kansas City as growth market, hires three - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWUR4OGhvYzJWQVpkc1poa1hVNG5JTkVtR3JkMjNxUmluRmh0WURxMVRiejBXYlg5NWZOVHdXVTN2aDE5aUkyUUlPOHZIUHQ1TEFyYXFMNHVEVHJiU3JRNHB3V1lxVURsbFd4U1NldEdwa1p6WllIdDBMYy1lZHNiUS02OUlNVFN6cUtjM0NwSE9oSjZQTDFjSUhtTDNGQVdfbXZCQ2J2TE5NeDYyYWc?oc=5) · The Business Journals
- 2026-03-18 [Peter E. Helander Obituary (2026) - De Pere, WI - Ryan Funeral Home & Crematory - De Pere - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcVEtclNqTVFUeWRRLTNabG5PX2lLRmtacFprd1U0Z29xRV9US3AzcTdYR1hEbW5qVTlwTERLQmF2NnNJRnRFdjFZME44QUhVSU1fNmUwUVVraHk3NUxSWUpibkpuWVVnUWFXUnByNUhVa3RSdHpiT19CTGFKVEVUOEZ5QQ?oc=5) · legacy.com
- 2025-03-21 [BMO announces new head of U.S. commercial bank - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV2FiYXI2NUFsVVQ5UnY0Nk5UbWZsZTN1dS1VZi0td1FGd0FkcWM3RFJ5by1EYnFaSF9rYW1uWm10MUY2RHlGRnhKOVNlMzN4OUxjaXFhRjJndlNybUFJbzdHRDlZSEpnOUp6VFZHTVdWSmVKampObHpCOWJJNTJ6MnJsQlQxLVpB?oc=5) · American Banker
- 2022-06-05 [Risk Management: Interest Rate, Commodity and FX - Citizens Bank](https://news.google.com/rss/articles/CBMipAFBVV95cUxQSmlKVFlQd0kxNW9VclFTdGJKaUJEQmlqZGVMOFkyZm42d2hGdFpZdER6S0dSX214UUNWYkNFeElUeEtreDlQX3RxNzRKSEtCOFBSVVlqbHFockFlbXdrWHdfandHeFI2LVBuZGtuZ0ZWSlRZTWdDUTJaU1BfRWtSZzNfQ3dtaG1Eb0pKcVBpU3FpWWYzMHREQmZjMmVTTkhvMVEzYg?oc=5) · Citizens Bank

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12518 (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/38.json (key "12518", 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