# BANK OF SUN PRAIRIE
SUN PRAIRIE, WI · FDIC certificate 13565 · 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 | $841.2M | |
| Deposits | $719.5M | |
| Loans and leases | $601.7M | |
| Total equity | $84.4M | |
| Loans / deposits | 82.56% (p52 of band) | 82.04% |
| Liquid assets / assets | 24.66% (p50 of band) | |
| Uninsured deposits / deposits | 27.38% (p56 of band) | 25.97% |
| Brokered deposits | 4.88% | |
| Wholesale funding | 8.44% (p73 of band) | |
| FHLB advances / assets | 3.57% | |
| Tier 1 leverage | 9.99% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -8.42% (p49 of band) | -8.10% |
| AOCI / equity | -0.16% (p62 of band) | |
| ROA (annualized) | 0.63% (p15 of band) | 1.28% |
| Net interest margin | 2.89% (p8 of band) | 3.91% |
| Efficiency ratio | 77.90% (p86 of band) | |
| Noncurrent loans | 0.07% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 1833.25% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 22.79% (p28 of band) | |
| Auto loans | $1.9M (0.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.4% | |
| Employees | 113 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | liquid assets <10% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | liquid assets <10% |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | deposits shrinking, assets shrinking |  |
| 2013-03 | 1 |  | assets shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | deposits shrinking |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 1 | capital falling | deposits shrinking |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 2 | capital falling, uninsured deposits leaving | loans exceed deposits |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2018-06 | 1 | loans exceed deposits | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, construction >100% equity |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | reserve under noncurrent | construction >100% equity |
| 2019-12 | 3 | uninsured deposits leaving | capital falling |
| 2020-03 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | construction >100% equity |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | liquid assets <10% | capital falling |
| 2022-09 | 3 | loans exceed deposits |  |
| 2022-12 | 2 | capital falling | construction >100% equity, loans exceed deposits |
| 2023-03 | 4 | loans exceed deposits, construction >100% equity |  |
| 2023-06 | 5 | wholesale funding >15% |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 2 |  | capital falling, construction >100% equity, wholesale funding >15% |
| 2024-03 | 4 | wholesale funding >15%, NIM <2.5% |  |
| 2024-06 | 3 |  | liquid assets <10% |
| 2024-09 | 5 | brokered >10%, capital falling, expense ratio p90 | loans exceed deposits |
| 2024-12 | 4 |  | wholesale funding >15% |
| 2025-03 | 3 | wholesale funding >15% | capital falling, expense ratio p90 |
| 2025-06 | 2 |  | wholesale funding >15% |
| 2025-09 | 4 | loans exceed deposits, deposits shrinking, assets shrinking | brokered >10% |
| 2025-12 | 1 |  | NIM <2.5%, loans exceed deposits, assets shrinking |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 0 |  | deposits shrinking, capital falling |

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

- 2026-05-05 [Banner Banks merges with Bank of Sun Prairie to form Bank of Wisconsin - In Business Madison](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdUJ3QlEzd2xpeG9CeFNWLXp4MHVfcUk0NXNxRUNuN1QyaENURDYtVUVTTzRsVS1KQ1FFQm50cEtoUWJnTGR6WDZPZm1EQ2RudngwSS00S2VLeHQ2OGk1cHV5M0FKMmJmT3ZjQlZLMTFBNUJpeTYwQXpZQk5KajNKb19LUERBM241djVJdmdiYjNkWTNPYmpPLQ?oc=5) · In Business Madison
- 2026-06-14 [Mukwonago vs. Hudson in WIAA state boys lacrosse - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNOHdkekd0ZlkzdEpWSXdqTzBZZEZXZTU5MlNRWW9ScXFuenZYSUQ4alJJdGR0TUpqQlVCcEFKX25RV09UN3ctcEFUMGkxekcxaUk5WFg4OUN3Yk0zeHFGM1pYZzJIdlBRY1IwVVNCNV9OU3J3bXlsd19oOTZySmdoRFJsYmZYS3BsS3dzMnZDUHVBbU9CYzdsbzV6T2cyb3lWUURCWFZKdVNCMjE3MHVIdkVQNEpfTVNnTEVJWmFaeWJGXzY0LTVuSnMzUEJISnVoWnNfbEc1Tk45QjFPb0E?oc=5) · Milwaukee Journal Sentinel
- 2025-11-26 [UW-Stout wins fifth annual Culver's Isthmus Bowl - hngnews.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQUkI1YXNXQXdCMG82VklSdnJ6U1p6OWFhUkVfNU1PcjlDbmhkMkUtaUJZNmhzLVZpQjJRa2xjWUliQUhUT3JIdFlLSTB6OHdCV2ZUd1RVZVhEX1FaT1VtZ3NPSDY3WHhwYkdtZV9HbEFDT0xoREV4MDNvamY4S2FxSE9HajZfa2I2N0ZDOER2Nkhzd0RfVUF0X0pVdTdpNFdyWEpIUmVkd2NfWTNBSVpHNzNqQm1ER1dTLWhjSTllYjM5WnA0dGNfdEJn?oc=5) · hngnews.com
- 2026-06-14 [2026 Wisconsin high school lacrosse state finals: WIAA tournament schedule and where to watch - MLive.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNUUxwcExqd2xvYkdrRFdtbV9RRVNXOEk5Wjh3Yk1xUUtmNzk0dGVTcE1wNlNIcFppOEhuNjRleW5DNmQ0Q1RmRjJRQ1Y3NFMxdjJlbFBCZ2JaYjFNVktvOWI1X01TNk5rdzlsM0FlMWlCVUpCY1ZxNGVKTmJra1Vkb3phUHY5VlpXd2xjcHh2Wlh2MU1tN2hjLVdVY093bXNCSW45Q1pTX2p3UDdlT1o0ckcxS0RLVl8xdjJlS2FQVGNPY2RRTG1Pa0t3?oc=5) · MLive.com
- 2021-09-29 [Bank of Sun Prairie Stadium at Ashley Field - The Daily Reporter](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZTZZNUV5RlVRTGFZMnpHUllXQXpCQXJPNjAtTWVLM0Fta3ZmekY3aENLZTJvcGhSM0I4RE4yTDR0QTdMR3plVG5aa3JCUGEteTdvRkpWRkkxNktzM2RfWmhoQzItS2V0cGRFOXFsYl8teHYzRkFJakVoYzc5RGI1d25MVmkwRUdu?oc=5) · The Daily Reporter
- 2025-10-30 [Country Inn & Suites officially begins redevelopment of 2018 explosion site - hngnews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQZzBySnRfN1VFZE9sQTdsWDZmVTNxcFFvd29qamFwZUs2eEhvZWJmRlZ5Y3o2a3o4LXQ0VHZQTmJBRGdLeUJYaVhMSTI1TEY1NFRseVM3YlRVczU4MlU4SzZBb182Nmd0UThMa1JZb1VwcDZLazVBbzQ1MHRvS0VUU2RqTFVEODU1Z1RrN3VILWlCazhlMjE4Y0YyOWtMVEp4RFRGa3lfVlBUcHBWdGQxMTQwZl9TVjRZUkdqemh4ZTFsUWNUeWJYREpNTUxFRzVoVzBHSTFObUV2Z2traG5KUWxSVkNZaTFlSjFBazdmd0VvWXhaVFFoekEzcw?oc=5) · hngnews.com
- 2023-01-10 [Christopher Cox named chief business banking officer at Bank of Sun Prairie - hngnews.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxQOFE4RC1xV3JrX05EZ0NGeDBOMEtYZXRlOVZFVTBNcl9nREgyUV9aUjhSYllSakx1ZGhSVnpIdExVTmdaSWd2d0VTcUt6RDV2bDI4UjJNQzNnd3V4WXpYTGs0c2JPbGlXRl9DTUNiZVRIYTZheGJYNHF5MWpRYlhvZ2hIQ0NleXVOZ1o5LTh4bVhSRXFtQXdVR0s0ak41YjlTNDNuRk1IdnQ1R2tkUzJpV3BJUk51cVdOVWpPS2NQY3B1eHQ2TTAtdXlMZ09wZ2dnYUhWMlZyYTJRSm12eW0yUFVjZ2tjcENlODlxdGZ4UkpTZUdlX0w0Uy1xLWdNZkhrWUtnT2YyQTVSZmtW?oc=5) · hngnews.com
- 2022-12-09 [Bank of Sun Prairie’s Dave Suchomel and Ron Blawusch to retire December 31 - hngnews.com](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOaDdmQnkxX1Foc2dXTUpCaFRHOU5pT1RjbFpEWEFmcFFycTRReVBOZXZyNThLekczXzFLc0tqY3otYzM0QmlwSHlPSFo3T2ZEandOa1J3OEtESnVfTmQwUHlqVHNMQVpXSW1iQmFHejBqVW5TeFZQc2pRZlgyZWJ0Q1JWRkZjbE1aa1c3aktjRlIxcDZPZm55ODh1TF9mSHY1Q3R3bGFmNzc4aktUZjQzMXpGQTNpMkNmQUdTdUJrZzdESDczSTV4YXlvWXB5ZUtMcHYyMmZ4Z1V5eG9SRmtvZjNCc2xmZ1lHbFhPemlFQXNjNThJU2ZmNVRlb0g3UVpIdFpsSHY5MENrUHM?oc=5) · hngnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13565 (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/61.json (key "13565", 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