# BANK OF LUXEMBURG
LUXEMBURG, WI · FDIC certificate 13264 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $723.4M | |
| Deposits | $627.2M | |
| Loans and leases | $557.2M | |
| Total equity | $60.1M | |
| Loans / deposits | 88.05% (p66 of band) | 82.04% |
| Liquid assets / assets | 19.09% (p29 of band) | |
| Uninsured deposits / deposits | 17.09% (p19 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.21% (p54 of band) | |
| FHLB advances / assets | 4.15% | |
| Tier 1 leverage | 9.64% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -21.28% (p21 of band) | -8.10% |
| AOCI / equity | -1.03% (p21 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 3.86% (p47 of band) | 3.91% |
| Efficiency ratio | 73.32% (p80 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 509.78% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 58.52% (p63 of band) | |
| Auto loans | $5.0M (0.90% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 111 | |

## 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 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 2 | capital falling | charge-offs p90 |
| 2014-06 | 3 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2014-09 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | capital falling, reserve under noncurrent |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 2 | capital falling, construction >100% equity |  |
| 2018-12 | 0 |  | capital falling, construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 3 | construction >100% equity |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity, construction >100% equity |
| 2024-12 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-12 [Bank of Luxemburg integrates into CSI's NuPoint core banking platform - ATM Marketplace](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMXpGVEJ3bGdsQmF4VW02Szd0dVNvOTdRQkpBel80eFNqY3d3WDR4dmxPeUFjbGlnTGtZLTBPTXBlLUJnajJPYWpNYkFxdGNuZGZnZmpjNDhLTFh2X0RKTWRFbVNldjRQdHdHSHhjdUtBU0RUVmVNUmxnZnpjQThVLWRiMTVMUUVnMnQtVFpOUFFNYWFYSXRWWlZ5OFJWTV9pQ0RlS2ZMTVM?oc=5) · ATM Marketplace
- 2026-07-29 [Bank of Luxemburg Completes Seamless Core Conversion to CSI NuPoint Platform - FF News](https://news.google.com/rss/articles/CBMiogFBVV95cUxNb1hpQWFxVVJzOWNwbzlTcXZMaTVMNkQ1VjZtYmd2cWxHRHVFaVFXcXdoRG95VndycmdIeEJMYmpOWVE2VUttYnBub2gwbVdXbGZ2ZXBDSEZ1SnZiZTFpWHRGaGxUSHg3eWxQUjUtcmpIZjB5OXZFT1MyTVNuMHRVTUczdnN1M0ZiOFFyQkFqaVdvRExuaEJib1JkaTlHNVJhc2c?oc=5) · FF News
- 2026-03-17 [Making rural housing development possible - WEDC](https://news.google.com/rss/articles/CBMia0FVX3lxTFA0SGNZQkh5MjhLQjRsWHRmV1NTbEItemhhdFRLZGtReWVqdUxPVkNTR0FVX2ZqTlVUQ3pVWUU3ZThCbFFwdnlUbFFLMnpTa1FCMWEzcXNIRVhNQUR1XzRkdEhSWENxVE4zaU9v?oc=5) · WEDC
- 2025-09-18 [Bank with two Door County offices names new chief financial officer - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNaXVwLU9LY1FmTldqM2cwc2xzOVVvdmllbFFqVmRRWmVTMHdvZm1WTmhMdzl1cUhGSFIzdHYzRzBtYmpXUjBicVVZRDNzSjFiOW50bV9xZWpzRmlFNGZVYndtX0xFYk5UamRocWs0eFhwbXkwaEUwbnhYYXdpSThoaWpwdDRGeXpBQlB4MzFGUnVWVXB6cl9TaktiZTdRS19BUDV3ZVVVaTdPNWJtUEJfOTRDeWp6clFIOXZVWGVuVF9IdU5RMFlUUVhsNkhPeE5rRkxDclQ2SkxqQmxtNWlXRjVBTjNxTkUx?oc=5) · Green Bay Press-Gazette
- 2025-03-27 [Remodel For Bank Of Luxemburg Building in Sturgeon Bay - Door County Pulse](https://news.google.com/rss/articles/CBMiiwFBVV95cUxObzZqck03WDdOeExWTzIxQks0M2lUSkFHQ0tYOUMxNE9mcFpCazV0c3BYTE9jNzdIWnlTSFZfRXhPS2tWYWRHcG9vN1VCTFlLWFplLVNDWGxCTTlDSzV3UG45RU9YY0ZqZy1oYXR3ZmJ5UlpEcFY3RlhkWW9SZHU4b2pwd0RESklRemtF?oc=5) · Door County Pulse
- 2023-09-06 [Bank of Luxemberg Parent Company Announces First Female Chairwoman - Door County Pulse](https://news.google.com/rss/articles/CBMidkFVX3lxTFBJMlI0eDNLOW0xNjlwWEhNbWFBWS1WZDFWV3lKTnZXSkpScDdnU0xFT1FEMFE1d1BNNEJsc2l5S2FwaWZBMUNDLXpvOFFDYmVoMWdySzJCb2NvMHZ2V2FEZW1XYzlFVnJNWV9NNEowUGk0NllYMFE?oc=5) · Door County Pulse
- 2023-01-18 [Bank of Luxemburg's new Howard branch wins construction award - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPYnF2SmxITWtMTEstNnB1Ymo5SDhHb1dNemF2VUdUZ05xN3ZnLWJhMi1hMkZrYUtOYzYwR1pnZXNhVGhNbENVZldPdkkzTFFuclpzd3dRdHlMNTY2VHhnMmJFeU9ybjF1dmVQQlhVZkNjZDBKellTQzJpeUlIR2Q2OUJfNlVUMUl4alVTbnVNcWp5bDhpdEdHYndGWFBZSjN6SHJaQ1VIQ0xTMEdyTm85TFNlYldEdUtXLTVVUXlfMmVCUmJMYzhsVXh2UWM4OUd5aTJtdTItMVJVR01Tbk92MUZtSFFRbXd5dkE?oc=5) · Green Bay Press-Gazette
- 2019-10-07 [[Update: 4 more] Google Pay adds support for 16 more banks in the US, including E*Trade - 9to5Google](https://news.google.com/rss/articles/CBMibkFVX3lxTFBBNmJPNkZseVk2T1NJMmpiM0loV2NYeHl4X3IxM09meTBnbFl3Y25vOVRHa18wVEFyTWdCS3lHOHRsYW9nZlpFQVJLLUFkOE8tampnUGc4TTRBMk5NdExaSENic2tMZHZjVTRjM3pB?oc=5) · 9to5Google

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13264 (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/16.json (key "13264", 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