# BANK OF TURTLE LAKE
TURTLE LAKE, WI · FDIC certificate 12786 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**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 | $65.5M | |
| Deposits | $60.1M | |
| Loans and leases | $31.7M | |
| Total equity | $5.3M | |
| Loans / deposits | 52.07% (p22 of band) | 69.26% |
| Liquid assets / assets | 50.84% (p78 of band) | |
| Uninsured deposits / deposits | 10.14% (p39 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p26 of band) | 10.29% |
| Unrealized securities loss / equity | -18.80% (p5 of band) | -1.01% |
| AOCI / equity | -13.25% (p13 of band) | |
| ROA (annualized) | 0.62% (p41 of band) | 0.76% |
| Net interest margin | 3.02% (p20 of band) | 3.63% |
| Efficiency ratio | 84.01% (p71 of band) | |
| Noncurrent loans | 0.50% (p35 of band) | 0.94% |
| Net charge-offs (annualized) | 0.01% (p31 of band) | |
| Reserve coverage of noncurrent | 255.35% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 3.70% (p25 of band) | |
| Auto loans | $1.3M (4.17% of loans; DQ 2.57%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |

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

- 2022-07-18 [Martha M. Jacobson | Obituaries - DrydenWire.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5DdjQ3ekRVMmJRRzdiUzZBMmJGUU1KSlRfM1R5VVN2cGctUHJmbktRSFJWSDJoX2REbmFiOVFmZGFjenU5b0t4emNJZUc0T3Nnd3pwLXZKcldUbGUzc3ZBX05n?oc=5) · DrydenWire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12786 (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/50.json (key "12786", 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