# NATIONAL BANK OF COMMERCE
SUPERIOR, WI · FDIC certificate 14266 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $2.23B | |
| Deposits | $1.85B | |
| Loans and leases | $1.72B | |
| Total equity | $219.9M | |
| Loans / deposits | 91.96% (p66 of band) | 87.10% |
| Liquid assets / assets | 19.01% (p41 of band) | |
| Uninsured deposits / deposits | 29.06% (p44 of band) | 30.76% |
| Brokered deposits | 12.50% | |
| Wholesale funding | 19.26% (p88 of band) | |
| FHLB advances / assets | 6.52% | |
| Tier 1 leverage | 9.33% (p20 of band) | 10.50% |
| Unrealized securities loss / equity | -4.05% (p68 of band) | -7.75% |
| AOCI / equity | -1.46% (p9 of band) | |
| ROA (annualized) | 2.00% (p88 of band) | 1.26% |
| Net interest margin | 4.39% (p83 of band) | 3.70% |
| Efficiency ratio | 50.01% (p24 of band) | |
| Noncurrent loans | 0.64% (p59 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p60 of band) | |
| Reserve coverage of noncurrent | 151.95% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 81.40% (p79 of band) | |
| Auto loans | $2.9M (0.17% of loans; DQ 0.14%, NCO 0.00%) | |
| Loans to nondepository financials | $33.0M (15% of equity) (p90 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 279 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 4 | losing money | capital falling |
| 2012-06 | 4 | deposits shrinking | losing money |
| 2012-09 | 5 | assets shrinking |  |
| 2012-12 | 5 | capital falling | assets shrinking |
| 2013-03 | 3 |  | deposits shrinking, capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 5 | deposits shrinking |  |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 3 |  | deposits shrinking |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 2 |  | brokered >10% |
| 2015-12 | 3 | brokered >10% |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2019-09 | 1 |  | wholesale funding >15%, reserve under noncurrent |
| 2019-12 | 0 |  | brokered >10% |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | reserve under noncurrent |  |
| 2021-09 | 1 | capital falling | reserve under noncurrent |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 1 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 0 |  | wholesale funding >15% |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | wholesale funding >15%, capital falling |  |
| 2024-03 | 3 | brokered >10% |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | wholesale funding >15%, brokered >10% |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | brokered >10% |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | brokered >10% |  |

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

- 2026-01-29 [National Bank of Commerce earns “outstanding” CRA rating | Monticello Times - hometownsource.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNdUg4R0RnNjJSQ2NLV0xJbkNfdDJTZ2sxdzR1ZDh5YnpZVmNBejhNWGM2NjBJLUpyYzVqcGdrVVdzdWRjVFpYaXhSaFJ6bF9PQ2d4ZmdfYVlFN3Y1eDFkMk9NTXJraDdFTjVPSlkycUplcTFSSU1jZmJ4b0F3d0RCVGl3UTA1anczRjItSmdyUFRCMnFiRUJDRVFjQWptTllCdHFjeDJCbTh3OVBTY0psY0hMaW5kamViSFoxa0hjNVhuVmY1eTBlQVRWMUJVYldOY3hkS2lsSEdKYWViMFZLa2o3VDB0ekU?oc=5) · hometownsource.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-01-27 [RiverWood Bank Acquired by National Bank of Commerce - Lakeland PBS](https://news.google.com/rss/articles/CBMiekFVX3lxTE0xRF8xY09RUFQ4S3E0aVBvaTVkcDFKV2JYVkNVUnMxbnhJWkc5MHotM190eUxSdEU4UzVGTmExX0xSajlEZlIzbEh2SVkxZzlPWnBwSGQtalhUS1dBVkJHZVQyT0ZocktBYXdpRGxSRGlvdTRIRjJla1hR?oc=5) · Lakeland PBS
- 2025-08-01 [Paul Wilcox Joins National Bank of Commerce as SVP - Chief Mortgage Banking Officer - Duluth News Tribune](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOaDZIYjdUVzZiN1VfbXNuUENDeURxWmNqSTM1V2pQWkZRNllaNFZsVjZLS2xydGh4ZHo0VjNtYXJlTHpVNjUwNWNRMWlxSVpuVHlFWk1HREJMVlctUFZRR3loM3ZpdTlnREdSTGRrOXR1SjZvY1FoTFpYOXVmYVJnNHVrVEhveDhTdHQwZGtmWFhndGFxX0VjbHFuSkI3dE9UTDZoam5wTHIyd0I3a0NrWFZaYTY4WjJCTllqTlY3Y0MzUGdrNGJ0QW1WRER1bThZVjdZc00wMEhuUkxheTNwUVBLUHZaVFJYSEhrU0VyX0Q?oc=5) · Duluth News Tribune
- 2025-01-25 [Samantha Kerr Now AVP - Commercial Banker at National Bank of Commerce - Superior Telegram](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPcWYxTl94TkxNRUhGNkUtSnpqdGNwbkRQT3FvMUFRZUtyRU9NR2JzUUF1bmFuMmlhb2g3RE9BdU5HU0UtSXE5ZVpxZ1lPUXdXRUg4ak02cTdCOWRPeDJNMWhUVUstbHVublg3NUUyN0R6OGtjWmRiU1VDSk1jc2FwcmJFczhteUZhaExFMGRqUjJUX2lPUTdFYWZjTkRTMzNWN1pseWhrX0dpbzhmY2ZadTJ4c3o5cE9GODBpaVRISlJubkNHRUJ2eWM1Y3BXNUh0bU9QQjRkeHYza3lTVHc?oc=5) · Superior Telegram
- 2024-07-29 [National Bank of Commerce to acquire RiverWood Bank - Bemidji Pioneer](https://news.google.com/rss/articles/CBMilgFBVV95cUxPejFUcjJEclJiSGhYeHB0UmQyZ085THRsY09hSldPTlBZaGlWX0FYRVhnblNLS3d4VEVpSVZUVlhXR0hvcXdJWXUyUXRPQU5lUGJDZzhnN0RkTHBXMW1wT3VjSjd5cWRCcFYzQ0tHNGM2VHVsd1lmN0dLT0ZsVS1taGl2YUdOaVNIeGdRd2d4dFQzdTFpblE?oc=5) · Bemidji Pioneer
- 2025-12-12 [Jeff Lee joins National Bank of Commerce as SVP – Senior Commercial Banker - Grand Rapids Herald-Review](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPc3lkX3E5UjlIcTE0enBTMmdpVktldHNFTmRXdWxmc2lRVGYzYnlWTUp0LVo1RVpGSERTaGhET2FqNTJZTkdzRDZma2x5cjJoQThwdlExaE4xTEpkQlVTQ2xEQzkycEtMc20ybWR3cHVHTzJIU2FnbDlVX2dSRnBEWU9FaVNYRHM4V01seG12T0hOSDFKZUxhaUtwSl9CNHhoQzZmY3BlTURBSGtYdDhid3pzSGczYi1lVGsxOG5aWkZoaHdwYkE0M0pjeHlKTUtHTnNzZG00aTBvMVkyN2ZPYjRsM05QSU5lMnNFd3d5MDVYNTQ?oc=5) · Grand Rapids Herald-Review
- 2022-08-26 [National Bank of Commerce names Brad Roden as CEO and Eric Albrecht as President - Superior Telegram](https://news.google.com/rss/articles/CBMilAJBVV95cUxONThPSXN0Zk9fQXBsbDBDcG9obmxXME5JNmlHbUFLOUdfUUdQWGowUzJUQVNGVWlFSlBkZmpCbWJSb1JIS1NGZWxpM1RpTDQ1M2ttOFdnUXJLOE9EQzNRSTJ0WmxrancydWppV2FvYVF6SGhkOEttU2lSTXF1SDBXT0dhWjRBWnRmU2RhWXZENnBLb0lqQXlPaUFBX3g4RmxaTDBMSzUwVGlDODZUbnFSWUZBVUNxOGlkQ3BKREFRR2hEYXJQZGlZUnhSZ3NRRXpJd01lNFdKYVFRWWVMWGp5aFRHSkJQSHZaVXRSSndDZm1mam5DNE9IWTFQNWJTbkk3NFZFTXpCLXhHeHMza1A2cGxHUTk?oc=5) · Superior Telegram

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14266 (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/58.json (key "14266", 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