# BARABOO STATE BANK
BARABOO, WI · FDIC certificate 12788 · asset band $300M-1B · 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 | $569.6M | |
| Deposits | $490.4M | |
| Loans and leases | $302.3M | |
| Total equity | $65.9M | |
| Loans / deposits | 60.53% (p13 of band) | 82.04% |
| Liquid assets / assets | 43.97% (p87 of band) | |
| Uninsured deposits / deposits | 13.74% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.54% (p38 of band) | |
| FHLB advances / assets | 1.54% | |
| Tier 1 leverage | 11.70% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -9.51% (p45 of band) | -8.10% |
| AOCI / equity | -1.40% (p14 of band) | |
| ROA (annualized) | 1.19% (p45 of band) | 1.28% |
| Net interest margin | 3.51% (p28 of band) | 3.91% |
| Efficiency ratio | 60.67% (p48 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 19650.00% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 17.13% (p22 of band) | |
| Auto loans | $1.4M (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 95 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90 |  |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | charge-offs p90 |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2013-06 | 7 | losing money, expense ratio p90, noncurrent p90, charge-offs p90 |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 8 | leverage <7% |  |
| 2014-03 | 4 |  | losing money, expense ratio p90, charge-offs p90, leverage <7% |
| 2014-06 | 5 | uninsured deposits leaving |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 6 | charge-offs p90 |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, noncurrent p90, uninsured deposits leaving, charge-offs p90 |
| 2015-09 | 1 | noncurrent p90 |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-06 | 3 |  | reserve under noncurrent |
| 2016-09 | 2 |  | noncurrent p90 |
| 2016-12 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 2 | assets shrinking |  |
| 2018-03 | 0 |  | capital falling, assets shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 | loans-to-lenders >50% equity | uninsured deposits leaving |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | loans-to-lenders >50% equity |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | loans-to-lenders >50% equity |  |
| 2022-09 | 0 |  | NIM <2.5%, loans-to-lenders >50% equity |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2022-09-23 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYTgweG5STS1BS1c5WlYtd3gxNDZpM2wxcVl2UVZzTjVYeE5fWGdSMGpIN25pOEFIRzlVR0kyNEZ5cHlEb0tfdVZhSGVTMFQxRHByaldEYVpsQkU2NldZVGdfVTR6S3V5VEF4NHFMaHRWLTFGcHNBT0pDU3cxVUZYcA?oc=5) · Redlin-Ertz Funeral Home
- 2017-08-31 [Baraboo National seeks to become a state bank - Wiscnews.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV3hPUG1MY01ISlZfaU5TejhpSkwyRWFJbjlkQjlTRGRsdWFkbWRRNVJmd1A3SVFRVTFHeWhaZUp6c25rUFhOczhqZEhuSW1CWm1JZ2dWcU1senYzeFMwMFdlQ3dHZ0F3LWw5eWM4SGlwRDQwYmpzN00zY2ZNT2tnYkNNTlVrN3Q2?oc=5) · Wiscnews.com
- 2025-08-14 [Catherine Ballweg Obituary (1959 - 2025) - Sauk City, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbTYzMXF2Nk92d3VPSklMTFNNcWkwR1lZY25aMEUyeFZOZUhRcnJCQ0pTVFZEOG5XVkhpT0VrV19QZko2emxFcl9aMHNFWmF5dkEyRUhBc2RYOVQ3RUViZE1TXzY1N1RHc3NoZnFkQ25YQnNNS1Y2ZmVma0ljSmRtMm9CT0Qwamxqd3BSRG5GTkpseGM?oc=5) · legacy.com
- 2019-10-10 [The Oldest Bank You Can Count On in Every State - GOBankingRates](https://news.google.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?oc=5) · GOBankingRates
- 2025-12-09 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdlpTWDVjZWNFVWpySDhmSmYtMGluSTNHUWZzcUppTDB1S1ZTYkczLUJ3THFEN05sYk8xQ01IY0NOTHJFTjJrWDNxY2ZhSXRvVmVVNlJMRXgxZnB6QXViUnFEU2VtaTFscVNtdDdKQnNscWxFcDJuVlBLLXJsdFlhRQ?oc=5) · Redlin-Ertz Funeral Home
- 2025-09-25 [Sandra Condon Obituary (1970 - 2025) - Reedsburg, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPU3d5SHhZNnNudHZjdHdKTkZWWnppa2J4ZkdIOEtWTDE3RnROcGx0dVZYM1M2YldEU0t0QWNZS0JCdjJ0R2QyRVJUdnFRMWt4aFVPSGFjVTRETndxMGlVMEk1QlFwTHBtdzBFU01Wejh0N09NdE5ZWklUb1ljanNLVE40UmoxNFVjdFI4NEFB?oc=5) · legacy.com
- 2021-07-30 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxNaXZsbmFpdnBfclFzT1BPMXNSNEE3QlVZMEVoSkdYc3BuM2VINllQdWE4WHRTSlhNUU1qTDBqRFpnX0VzYjBXdUsxM0NFRl9IZS1qM016Z3FOei1PdUx6b2o4Qjh4aVY2N0tQWndJQVNkZzZSYnRYT25SUTM3VVQyMA?oc=5) · Redlin-Ertz Funeral Home
- 2025-11-03 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxOc0RJeW9hbWFVYVphNlJyZTBCeFhKUjFhNzBCOHExZEYtaTZVUDRqYmNWY2tSODdwRGR0QWpGcWhEZ042YndlQVQyZ3Y2VjBZWGZtWUxzTU83bEdFdzMtMkJTQ29ob1pZT0J1bHk2Y3V5SzF5bWRFWDY2QzZ6TndSWQ?oc=5) · Redlin-Ertz Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12788 (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/52.json (key "12788", 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