# GREENLEAF BANK
GREENLEAF, WI · FDIC certificate 12661 · asset band <$300M · 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 | $158.7M | |
| Deposits | $135.5M | |
| Loans and leases | $90.4M | |
| Total equity | $12.5M | |
| Loans / deposits | 65.58% (p38 of band) | 73.59% |
| Liquid assets / assets | 41.78% (p66 of band) | |
| Uninsured deposits / deposits | 23.64% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.30% (p76 of band) | |
| FHLB advances / assets | 6.30% | |
| Tier 1 leverage | 9.63% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -21.76% (p21 of band) | -6.57% |
| AOCI / equity | -1.61% (p16 of band) | |
| ROA (annualized) | 1.15% (p49 of band) | 1.17% |
| Net interest margin | 3.22% (p19 of band) | 3.93% |
| Efficiency ratio | 62.82% (p42 of band) | |
| Noncurrent loans | 0.58% (p58 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 280.04% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 57.24% (p83 of band) | |
| Auto loans | $143,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $729,000 (6% of equity) (p98 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

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

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

- 2026-06-07 [Yvonne Marie Krutz Obituary Jun 7, 2026 - cotterfuneralhome.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5PTWZfb2F2S1BlSkZ6blZyUkFjVVBQNTVtM1ZYYldlMHEzbmRrUEpGQW5yRllSSkd3VkRZZlhVbldRazVmNXllT3ZMc2Q1R29obFlWT0xRVzlOcTFOWGVVUTVtTTN5SExh?oc=5) · cotterfuneralhome.com
- 2026-04-01 [Harriet Van Der Wegen Obituary (2026) - Greenleaf, WI - Nickel Funeral Home - Greenleaf - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZXNNdkRvZDVwUWt6NW5JcC1UQkYzVVBEc1JHNTJNb1RCeTZHM0hfcjY5TmVtcFRDN2h2M1ZHMDlrZGJxRmVkbGdPb25uRXhqbkNjUEtTRnpnX0hsaHJJMWFFdy1pMmZDa1AtLXl1RjlBZVdQaC1DbVp0bXBQbjBLOG9Dazh2YUZWbnlWbg?oc=5) · legacy.com
- 2025-10-08 [Scott D. Chicoine Obituary (2025) - Neenah, WI - Kessler Fahrenkrug Funeral Home - Neenah - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdGNHbDJkZ2k3TXd5Qy1sNXgwWTdRSW9YQndlSlpPaVc3M0lZb0EzYnZhVC1QemYwb1VFSXRqdFczVnRhenE2ZkstdEhvYmhHUVJvNTRvNXdITEFUdUs3RHBRSW1YVTRQVndSYTJFVDd0UkxTRGFsZktNUnRWM2Z2SUtINA?oc=5) · legacy.com
- 2023-03-31 [Former SCORE mentor Ryan Kauth of Green Bay pursues his own businesses - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQeldJTEc1anAxTTI3LTlOWHJ5THF3dngxQVpMWU9jNTd5Um1rSmdwWmtBUzdaRTZwTkkwdDMxOWlnZzJTVUtzY2kxdjN4STIzWlVKZ29KajVyZS11SzFkQnVVLTdxMlZIQjBKWll5Rk1sazU2X3BMSFh6Q2s4SkJyU0FLWEZyREdLR1lfOFNsWTJHRy1OdkRlTkZpVVZicVIzTnVJSXZMZUJPd3M4ZkpqeTNvLUM5Y3RUbHdZZXg3R002b2xqVE1LZlF3SG1JNXZUN0w4c0tEazU4cmZORFJaRXNR?oc=5) · Green Bay Press-Gazette
- 2025-04-28 [Cynthia A. Poulsen Obituary (2025) - De Pere, WI - Ryan Funeral Home & Crematory - De Pere - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQWWMzcVRJWkJQVUprYUZrZXk3V3I2Wjg1eVBjQlJZSXIxbXFUZy1WUkxPY1p0enA2eG02RHhvOWktVmNIZVh1eThTcXZsNHoydWRwQkVrZ1lRWDVmMmRnUXVySUpOMmNsMEg0RkRnWVNoeG1uckN3MXBDaW0tWFNYZ3UxdWo?oc=5) · legacy.com
- 2020-02-03 [Yvonne A. Habeck Obituary - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBMRFEtTktGTkl1dkJFdDdEV0hDeUtsT1MyOGJSV2ItdkxsTTFuUG5ISnhEcnBvQ1JoazhYdjNQOC13Nkc4RUlOMkx5Y2pqQ3Z1aExTYlM3YXFaZUlvc01fY2ItY295OUF0?oc=5) · Green Bay Press-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12661 (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/53.json (key "12661", 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