# DMB COMMUNITY BANK
MADISON, WI · FDIC certificate 14769 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $835.0M | |
| Deposits | $583.6M | |
| Loans and leases | $663.9M | |
| Total equity | $88.8M | |
| Loans / deposits | 112.44% (p98 of band) | 82.04% |
| Liquid assets / assets | 16.70% (p21 of band) | |
| Uninsured deposits / deposits | 11.59% (p6 of band) | 25.97% |
| Brokered deposits | 11.13% | |
| Wholesale funding | 29.57% (p98 of band) | |
| FHLB advances / assets | 18.44% | |
| Tier 1 leverage | 10.98% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -6.10% (p57 of band) | -8.10% |
| AOCI / equity | -0.82% (p29 of band) | |
| ROA (annualized) | 0.57% (p13 of band) | 1.28% |
| Net interest margin | 1.96% (p1 of band) | 3.91% |
| Efficiency ratio | 67.66% (p68 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 98% | |
| Construction % of loans | 1.67% (p6 of band) | |
| Auto loans | $4,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | liquid assets <10% |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 5 | liquid assets <10% |  |
| 2012-09 | 3 |  | assets shrinking, liquid assets <10% |
| 2012-12 | 4 | assets shrinking |  |
| 2013-03 | 5 | charge-offs p90 |  |
| 2013-06 | 7 | loans exceed deposits, liquid assets <10% |  |
| 2013-09 | 3 |  | deposits shrinking, assets shrinking, loans exceed deposits, liquid assets <10% |
| 2013-12 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 4 | uninsured deposits leaving |  |
| 2015-06 | 2 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 4 | loans exceed deposits, capital falling | charge-offs p90 |
| 2018-03 | 2 |  | loans exceed deposits, capital falling |
| 2018-06 | 3 | deposits shrinking |  |
| 2018-09 | 2 |  | deposits shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2020-03 | 2 | wholesale funding >15% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | capital falling, NIM <2.5%, uninsured deposits leaving |  |
| 2023-06 | 6 | expense ratio p90 |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 7 | losing money |  |
| 2024-03 | 7 | loans exceed deposits, deposits shrinking | uninsured deposits leaving, losing money |
| 2024-06 | 6 |  | capital falling |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 4 |  | expense ratio p90, deposits shrinking |
| 2025-09 | 5 | capital falling |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 | uninsured deposits leaving | capital falling |

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

- 2024-04-10 [Legacy Business Series: DMB Community Bank: Serving the Area for 90 years - hngnews.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxQZm1lTkZtTGU1VHFhMlhQWV84TFhMZEp5WTFZNHBzY2dPUXFudWlMQzl1RHZRTzMtRS02YTBHYXhMWDBXLWtkTHFXaC1saS0xaURwODVyOU51SVF0ekRtTmpicDRfbDhUOTJSVzRIZlJXX2JTbWp3QWt6c2lzbk9EeUJvdWpieUR3cFNmcmNtcFVTVXRCakEtUEhVRmFRbDAwbVB2cDRPMFBlNmEzcjJtVndpWHdHWUlpbVhkZlNRcWQyYU1jbGMyTXpPVDZ0M3djWFdmRXdhUERUZnJEaTRKYXluYkxXVW51Wl9Ram00NXNockVGODB2QzB6cDN3ZlR5QzFlXw?oc=5) · hngnews.com
- 2022-07-21 [DMB purchases building for new headquarters - hngnews.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNV2pTR2NWdlZ2RTFlOS1abzQxU05oSHY5b3RKc04xOHluZ2JlaFVVbW1vUTFaUTlkWk1UU0FILTlLbXFqVVlyTnBIZWFxZTAyUV8ySGtmdkMtemdFQ05qTTkycWIwWGcxWW0wYmp4Z2FmcGtscDlnWENyWUJpY2lrc1VFWFdEejd3cXJSSFdmU3E0MXh5NVVENnVrc09aRjBoS1U4aEIwRUJlenJoUXM2MkpESXk3bW9HcVRtUU9tcE8tR0NQLUgtbnVJc2V1ZVNzOWQycnZZaW95dzZzQWVJ?oc=5) · hngnews.com
- 2024-02-22 [Daniel Moodie Obituary Jan 11, 2013 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE51T0Q5MXdpTVVNZEd2ek9tNmVHZ09oaUgyZWtpVkU2TW9FQUQxcVdxWWl2TTdhUU1qeUItSk5Zd0lOX1RoRnBNUkZpbVlfcUt2dVRGdWxQSVZja3VMZHM0TjBpYm81VExncWw2cA?oc=5) · Cress Funeral and Cremation Services
- 2026-06-14 [Photos: DeForest battles Madison Edgewood in Division 2 girls soccer sectional final - Wisconsin State Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYW9KejJMZjJpa3MzbXRHenh6Yk9oV1BGU05JTEk0Wjh6bTlLWmxYM1RSd0hRbUF6OExLem9ZaFJDeXN4RExKOHVxZF9NajlocnZfWUxDUXJoYzJORS0zUGs1T0tKR3VGX0VLeVVXdUJLem5vcFdzaENZcVVWYzJfTF9aaFVkek82YmZqdjlWa3J1Z1lfc3VlbHotYUx4TWxGVS1QenZUTQ?oc=5) · Wisconsin State Journal
- 2022-03-24 [Larry Hahn Obituary (1939 - 2022) - Poynette, WI - WiscNews.com - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxQOVFxUGJQNlFmSm1ta1hjanpmMXF1ZUY4a1d3ekJOeU5BN1UtY0k5YVE4eHRYVFdzWGI2N0c1YjczNjRGUXk3eGF0V3ZjQTQ0a0M4dEtkQU5GM3pXZy1pTzVTcGlTdG9sQjZobVd0bU9lODAycTV4Sm9sNUpTTjRjWHM1Z2xuS3BPTmc?oc=5) · Legacy obituary
- 2025-09-17 [DeForest’s three first-half goals lift Norskies past rival Waunakee - hngnews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxNbmNyT0xZV2V2NkpXb2tvcWc1Nk1JdXdLRGY5X1NzTVRmamNSbmUzZ19namxPajdGSDhtWEI4aWN4VGd4S2djbUE3QkZOLVRGX1NuTk8xTnRDWFk0VEtKTmhlRjg4UFM3ZWxfdnFXeVBOX1dLaXVQTHU4ZHh0cGdXbi16dXF6eUltSFZjaFJMd1JWY2RILTlCcjBqNjN4Tm1XdWFQN0hTZnpHNjJ6SmJxREFfRFBNeVhNeDd6bFd0LXJTN2lDdlpIT3BPc1pWcUNZUmNRYTBPU1BXZUhFc1NIQXRLN1RhTGhkYlh0WXM3UThEWnRrYzBwUDU5QQ?oc=5) · hngnews.com
- 2025-09-25 [Isaac Ziegler's go-ahead touchdown seals DeForest's homecoming victory - hngnews.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQWEw2UElEOXpEamRGbE5pM05CUHQ4N0xwZEdyU084ZnRiT2hRTlRXU0RkUUwxTmw5a1hPUUZBUDlQQlRpZUpwclZlUHBhTFRDRkY3TnJHSl9CWTN1d3JQNW9iU2JOVWZFTnAzb2RkaTZaQnZiWExhNktsZmxtdDNKRFdueTVOWG5GZlZ6czJpdG1LU1d0eVRkNVAyOWw0ZWlETUlJRWpjOS1vaGVkRzVqdFRYVndMOGRSaklMdFlRb2lSS3hBSEVsaVJOcTNFZXo3QkpPczhzaGJXWjBGYmM3NXExejNaTFJaOWZuVTAzWQ?oc=5) · hngnews.com
- 2025-08-29 [Deforest Football: Reedsburg's rushing attack overwhelms Norskies - hngnews.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOY2RzbDh5b2k2V1l3V2Z5OVY4TThiOTVMWC1NZG1TYngwRm9BUTdEQi0zNGxrU3JCZGU4dDhralRQb1NqNjlmR1llOXY0Q1lFb21YNUI4dEVKczdGTVhaZ1NaTE9lT3dqZHlxMWxTV0ljZTJ3MlJxMnlhMVo1VnM4a2h6eDJBNHRILUdMNHlqeVRQekJmWEJiVDhHM1dmTnFBN0h3aENlaHREY0lrbnBaVUdsWUVQT3A2VXdGNjRiUFExY01rSkU0QnItamVFSlVxNUdMellrR3gxVHNCZmhpVHpVc21SNWVr?oc=5) · hngnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14769 (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/49.json (key "14769", 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