# MID-WISCONSIN BANK
MEDFORD, WI · FDIC certificate 13273 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $447.8M | |
| Deposits | $352.8M | |
| Loans and leases | $291.4M | |
| Total equity | $42.0M | |
| Loans / deposits | 79.98% (p62 of band) | 74.76% |
| Liquid assets / assets | 33.02% (p57 of band) | |
| Uninsured deposits / deposits | 17.01% (p51 of band) | 16.74% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 12.44% (p80 of band) | |
| FHLB advances / assets | 5.82% | |
| Tier 1 leverage | 9.18% (p34 of band) | 9.77% |
| Unrealized securities loss / equity | 4.98% (p67 of band) | 2.98% |
| AOCI / equity | -0.39% (p42 of band) | |
| ROA (annualized) | 0.01% (p5 of band) | 0.80% |
| Net interest margin | 3.43% (p44 of band) | 3.52% |
| Efficiency ratio | 84.31% (p83 of band) | |
| Noncurrent loans | 4.27% (p85 of band) | 1.55% |
| Net charge-offs (annualized) | 0.83% (p93 of band) | |
| Reserve coverage of noncurrent | 74.33% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 44.89% (p65 of band) | |
| Auto loans | $641,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 144 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent, losing money, capital falling |
| 2012-06 | 2 | losing money, reserve under noncurrent |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking |  |
| 2012-12 | 5 | charge-offs p90 |  |
| 2013-03 | 4 |  | losing money |

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

- 2016-06-22 [t75085_425.htm - SEC.gov](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUkhsaU1nMVFtT0JiWTNnWHlLV3k4S3pJRFB3WmNDVno3WGpSNVJZNlY3NnJmNUxjN29MU1lDRGtoSXBlczJvR1JKMXBUV3lFai0wSUdEQlEtd2Z2eFR6aDdORjVRV3YyRlFoVXRJM3RoS1BBRndGbXNUM00zNlJocF9MYWpRb0k?oc=5) · SEC.gov
- 2025-10-23 [Nicolet Bank to buy MidWestOne Bank, expand into Iowa in 'transformational' $864M deal - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOTXpETHkzZ2RSXy1ld2k2WVZzbG1QNHZveGp3WHFSUU9TN01rbnB6NUE1d3dFMng3OWNTWEE0YVktcEJMa0cyQnAxdkdfWS1xWVdDdDFOUElxbzFZdFd6cXdrckEzVng3TF9TMFY1cTBYUVZkUWZkMkFrWFVocEF1MV8xdWZTOEVpME5aS2NlUV9yWGlneU5GMG9SU1pRVGwySmY3Z2djX0hXTzRVa0llMlMtZHItRXZFVjFhNUdtbE9FdkdTTWdqcDNOajExZDJodUF6YXpZNFhzUnhMV3k1aEhLTEM?oc=5) · Green Bay Press-Gazette
- 2023-11-02 [Georgiann Howard Obituary Nov 2, 2023 - Gesche Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5oZlZvZ2RBeDJIdGNja19tSWFMUkNrNzF5WTlwWG9EZFlaY2E5M1hNOXhNWnNDWEl0bXFzRFlfYWVKMm5yX3BSUWRENldfZHFSa2ZTT0JVNGJvYjhUZTVqUWt3?oc=5) · Gesche Funeral Home & Cremation Service
- 2025-03-16 [James "Jim" Warsaw Obituary Mar 16, 2025 - Brainard Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMia0FVX3lxTE00VW1BbkdQZHBMdjZhcEFka1JYS1RXR01hYWFla0wxMmc3SzVPV05uRjROVHI5V1FMb2NYdGhXVG0xZ2JrU3dpaGhsODlxQzFVVjZuc2MzODRGVmlLNV92aklsanlBQTZ5MERz?oc=5) · Brainard Funeral Home and Cremation Center
- 2018-02-20 [Jayson Walter Reinke Obituary Feb 20, 2018 - Nimsgern Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE1HZUw4Q3lvYl9XRjFnZGJtRXhxY3RFcXVudUxpQW1pYl9icFRUTDJWS2p6aUN3R2JYb0NHc3FzSTNkNVotNWFrU2UwbjJKd3AxZk16T19qSzFlWFdQZWdKLUQybDVlVlc0WF9TT2VfaUY?oc=5) · Nimsgern Funeral Home
- 2026-05-13 [Dawn R Littleton Obituary (2026) - Abbotsford, WI - Maurina/Schilling Funeral Homes - Abbotsford - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQYmtQVjFDMUU0UUc5Tm9Rd0JnX3VNdnM5MjZzbWNmWU5KWm1YRWJJTXYzTGZ4ZW1ZNkdBUFY0VDRjcGtza245T1FzUVZ0MGtYOEx0R3NuSy1zU3VRc3BXZkF4clRWeTEyRzNDd08yTXNnX0NlMjdEM2lia0Q5c01Jakd0MA?oc=5) · legacy.com
- 2026-01-12 [Joyce Ann Haskins Obituary (2026) - Phillips, WI - Heindl-Nimsgern Funeral & Cremation Services - Phillips - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOSVljTGxWUUZld3U3Y016U29xN3ZfRU9DckRVWjhTanFsazFCc1JLUjY0NmQzbm9kbmhGenZObGVianc5ZThoRHRQT24za1o1cFZfOUp6LXpSZ25vLUM0T1lLX2JkVTJZQTZLeFVnS0NmcmcxOHFZVjFHa0U3ejA5b2d3?oc=5) · legacy.com
- 2013-02-10 [William Schultz Obituary (1923 - 2013) - Unity, WI - Marshfield News Herald - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQd3lJWXdDaWphaFNydWdYalJJSWZpeHUyLW5FN0ZhN05qVnlqOGt6RGVmY2hEY0JqVElPVkVFeURpMlFaRy1hUTZJSEU3Z3RTWnJrc2V1S0Rrd3ZZVDVrSjZfZW5SdURrdGlyZXJLaGQ1aDVreWx0clpLZzU4RFBJSWxvckNaSTBHRi0zY0dSaDRNYjg2OWNKMmpUX3pkeFlT?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13273 (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/25.json (key "13273", 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