# BANK OF PRAIRIE DU SAC
PRAIRIE DU SAC, WI · FDIC certificate 14660 · 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 | $744.5M | |
| Deposits | $644.3M | |
| Loans and leases | $393.5M | |
| Total equity | $97.1M | |
| Loans / deposits | 60.23% (p13 of band) | 82.04% |
| Liquid assets / assets | 45.70% (p89 of band) | |
| Uninsured deposits / deposits | 44.62% (p92 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.70% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -13.43% (p35 of band) | -8.10% |
| AOCI / equity | -0.61% (p37 of band) | |
| ROA (annualized) | 1.57% (p68 of band) | 1.28% |
| Net interest margin | 3.00% (p10 of band) | 3.91% |
| Efficiency ratio | 40.58% (p6 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 269250.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 53.71% (p59 of band) | |
| Auto loans | $66,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.4M (8% of equity) (p96 of band) | |
| Deposits YoY | 16.7% | |
| Employees | 51 | |

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

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

- 2026-06-17 [In Business Madison Data Center - In Business Madison](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBLSW1FckUwSEttZmxPYmk5cUVfaFdRbHNTbk55YXo3ZEVXZUJtNmZmb2dHTTZuRWxPd1pNS3o2NUpCelNZUzByMF9XS0dGYjZJ?oc=5) · In Business Madison
- 2026-04-26 [James Kirner Obituary (1941 - 2026) - Sauk City, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZU01QXRkN25VUnFwQmRXY2VyQzVLQlgtbUw1QjF0MHA1N2xGam9jZzUtcjA1MlczMWJBXzBZLW54cG56STNpS19zWjZFdUMyOWdYM25HeEhXZTJXUzB5UXBDc2ZOdk9vdy03a1dkZnBaT0JfR3pQSU04eks1LWdYVXUyU2VDUEY1bjhj?oc=5) · legacy.com
- 2019-10-11 [Sauk Prairie: Hydro-Mania | Watch Wisconsin Hometown Stories on PBS Wisconsin - PBS Wisconsin](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRXpodjNzTDR2Q2hDRmxJdTN0VlV3UTRXMXJNV0I1ang0WlpTdW1HMU5kRDM3S0NzYjVyNl80REFfcTVKaGZhWW5udkVQcTlNUzVEeVlZRkJpcWJrejF6Vkg3bUZuWHQ2T1I2T1BhMmJrMEhlSEFsUFRaOFdLVDhRN2lVS3NYMUVJbnlyWFVrRDJfWWJy?oc=5) · PBS Wisconsin
- 2021-01-13 [Finastra to power Belgium-based KBC Bank’s LIBOR transition - IBS Intelligence](https://news.google.com/rss/articles/CBMingFBVV95cUxOMlJBRklUUldlbzJacVh1UXJjOEhZNWxINzhNZWNFcFBMdUd4Q1JNNXNPc0pjcXRpcjRwUDhiSWtuVlZXX3dZUmN6OS1HVUtuWExjX1RhSjBpMk9vVHFGdk5CUU5jLXd2ZUQxVzFYR2ZHTGZGUEhSX1ZmUVg5cHpXVkwwM1pEODZ1bkR5RWhyZXZ6M0JkM183T0hnSWNUZw?oc=5) · IBS Intelligence
- 2019-10-11 [Sauk Prairie: Early History | Watch Wisconsin Hometown Stories on PBS Wisconsin - PBS Wisconsin](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRkZCTmluZ1VwTHhqQmMxS0RvLUhKZnVxWmRDUElHMndrWjFJOEdqWjJmdGRSNng3YzQ0OWdnYmZDWDZlc0VaN2JrVklMQ2d0MmRFYUZOSUNQRExXaE1SS0pjSnIzQU96b2xPNnoyUW00bjRudW05VnF6WUl0dnE5OXJ3RTBSd0NjcWlrUzU0SXhlZVJnM2VJ?oc=5) · PBS Wisconsin
- 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
- 2019-10-14 [Wisconsin Hometown Stories: Sauk Prairie Premieres on WPT Oct. 29, 2019 - PBS Wisconsin](https://news.google.com/rss/articles/CBMioAFBVV95cUxPc3NfOEE5VGNzYXA4TVMtZWVPWDAxeE5PNmpfRFBMdE1QWVZlZVRWV1J3SkFHSkpuTFh6TmExbXpDOWZQY2RNb0JKRURhcVVEVVRQa2lWakNRcUVVVFFfOC1GVTRBT1V2Q0o2QjZhVzBnVkNGWC1WczBTWkFsTldtWVpfRjVxMlNSOGxsRi1yN0VjeFdOdktpVGNRM2J6UHhJ?oc=5) · PBS Wisconsin
- 2023-03-23 [Kathryn Eilertson Obituary (1941 - 2023) - Merrimac, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZWpPNWUzYXRUZDFOX1dXdGNEdFVIcUtzM2p4LUJzZkxRQ3F3RXpjbGdoNktHUi1VYmFfbjVsVzBlMEpaZnAtRGc0ZW96eFdLdm9fcDZfZVVkYkc0VGJnajMzeG1hSVJmY01hZXFueEJPaEE5R0o5eFN2eWRjblZ0LUs1QVdiQlctNWxWLW42QlR2aWs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14660 (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/4.json (key "14660", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide