# CAMBRIDGE STATE BANK
CAMBRIDGE, WI · FDIC certificate 14823 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**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 | $66.0M | |
| Deposits | $49.6M | |
| Loans and leases | $53.7M | |
| Total equity | $10.4M | |
| Loans / deposits | 101.34% (p92 of band) | 73.61% |
| Liquid assets / assets | 16.26% (p15 of band) | |
| Uninsured deposits / deposits | 15.13% (p57 of band) | 13.65% |
| Brokered deposits | 3.48% | |
| Wholesale funding | 12.42% (p87 of band) | |
| FHLB advances / assets | 8.93% | |
| Tier 1 leverage | 15.89% (p89 of band) | 10.70% |
| Unrealized securities loss / equity | 0.15% (p30 of band) | 0.86% |
| AOCI / equity | 0.08% (p51 of band) | |
| ROA (annualized) | 1.11% (p68 of band) | 0.84% |
| Net interest margin | 3.91% (p66 of band) | 3.64% |
| Efficiency ratio | 58.54% (p17 of band) | |
| Noncurrent loans | 1.49% (p71 of band) | 0.69% |
| Net charge-offs (annualized) | -0.19% (p2 of band) | |
| Reserve coverage of noncurrent | 422.94% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 18.95% (p55 of band) | |
| Auto loans | $62,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  | brokered >10%, NIM <2.5% |
| 2011-09 | 6 | charge-offs p90 |  |
| 2011-12 | 5 |  | charge-offs p90 |
| 2012-03 | 7 | NIM <2.5%, deposits shrinking |  |
| 2012-06 | 8 | charge-offs p90, assets shrinking | losing money |
| 2012-09 | 3 |  | wholesale funding >15%, expense ratio p90, NIM <2.5%, charge-offs p90, assets shrinking |
| 2012-12 | 5 | NIM <2.5%, charge-offs p90, assets shrinking | reserve under noncurrent |
| 2013-03 | 1 |  | deposits shrinking, NIM <2.5%, charge-offs p90, assets shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 1 |  | noncurrent p90 |
| 2014-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking |
| 2014-09 | 4 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 1 |  | expense ratio p90 |
| 2015-06 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2015-09 | 2 | capital falling | assets shrinking, uninsured deposits leaving |

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

- 2024-03-06 [Perham graduate named top 100 business leader in Twin Cities area - Perham Focus](https://news.google.com/rss/articles/CBMipwFBVV95cUxPTlN4T052M3o0ek84M21PdnpZQnFWTmhWRGFqckQ0ODA2U0ppbE9BWWNsMURTTGN1dHZPVkVKZFd5OXhBTUlrRzF1SmtBOFI4SW9xcVlFSkUwQXVuZXFVdkpmcDJhZURZQ29BUjA0Q19jYTBTU09wbncwbEFSMnl2V3A0cVZjbmpZX0xZbjRwNHdmdkotenlfejFoYWZnUXV0aTZpa0dPYw?oc=5) · Perham Focus
- 2025-11-02 [Kathleen "Kathy" Bergholz Obituary Nov 2, 2025 - Altogether Funeral](https://news.google.com/rss/articles/CBMiugFBVV95cUxNY1VSX1pua01jQjc3dmJYenlOQnk4dzJOOHVlRVZfeWVjMDZ6NkZKUkVScl82c2M3LVFKQ2Y0TS1hUzNYRlU1OGNRM09YOFJmdE5mdjQxOTBkNHBNQkItMTUtd2d5NmJvbGlFbmQzM1h0OEp2S3hmTlZidGYyb1J2SDM0ZGhFd3RoRXAtdkRMWmd1MFhPdkNza21mMjhJcHBIaGc3U2FjWUpWbWZFSzRReHpYN1ZhWjFTaGc?oc=5) · Altogether Funeral
- 2025-02-21 [UMB Financial eyes Twin Cities growth after market entry - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPYTFjTHJkbHRxMUpnUXAwaXlmd1V6Q3VpdnlrNjhxZnFLeEhIUDFqWjl6b0NaaWEyMHZmOWppcmV1R3B1VS1VOEkxXzNXZmFMcVpRT0NVYlFZcEhqTHQzeWxDOVRqcS1aUGl3Rm1vdEs0bkFHanYxQ0FFTHVTWmotNVVMZ1FWelVpTW1WX09XckVrclZIQmVVdTlLajN0OTZMOTJVdlpRc3o?oc=5) · The Business Journals
- 2025-07-31 [John Stenklyft Obituary (1948 - 2025) - Cambridge, WI - The Leader Independent - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZXhaRmtDTDh6UmlLTktpcUZGaTJ5LVppLV9WUFlCSU1rS1RkblZPZmZBaXEyZmJJYkRCQS11NUdvRXZNWWFmR0lkS0tWbXhZcklVMUZCbWY0TmptWGtBUXRfVVFZdFZSbHBRS2l1SGdRSW1wZFBxcks1TF9KMmlCQ0w2MXVzaE44UmUwUkE1aUFjeEtQdGRaWXMwRXE?oc=5) · legacy.com
- 2025-01-31 [After Old National/Bremer merger, Minnesota primed for more bank deals - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQYXp3QmtSa21peXBrdTlvVGlMTnppNlM5YWdpT25qR3VqUTVoaWZmV2pXNmNMRlFtZ3VMa1BkOU1MVUlLb25qWk9OSVNUWFczQmlLZDFjQThacFg5Z1lvd1lWSGJqRVpNYTdNVW9iT1p1TFZwd1ZXUXdqVTFiNmZIbHhzWUxvVHBfbU5QZUhmRmEwUjFzX205dXlTR1hOWm95?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14823 (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/39.json (key "14823", 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