# STATE BANK OF REESEVILLE
REESEVILLE, WI · FDIC certificate 14960 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $169.5M | |
| Deposits | $139.6M | |
| Loans and leases | $92.8M | |
| Total equity | $13.3M | |
| Loans / deposits | 66.09% (p39 of band) | 73.59% |
| Liquid assets / assets | 41.00% (p64 of band) | |
| Uninsured deposits / deposits | 47.15% (p95 of band) | 19.81% |
| Brokered deposits | 35.07% | |
| Wholesale funding | 43.98% (p100 of band) | |
| FHLB advances / assets | 8.64% | |
| Tier 1 leverage | 9.58% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -67.45% (p3 of band) | -6.57% |
| AOCI / equity | 1.45% (p98 of band) | |
| ROA (annualized) | 0.79% (p30 of band) | 1.17% |
| Net interest margin | 2.54% (p5 of band) | 3.93% |
| Efficiency ratio | 82.39% (p82 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 7557.14% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 15.48% (p47 of band) | |
| Auto loans | $1.3M (1.39% of loans; DQ 1.93%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | brokered >10% |  |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 | wholesale funding >15% | capital falling |
| 2013-09 | 2 | brokered >10% |  |
| 2013-12 | 1 | capital falling | wholesale funding >15%, brokered >10% |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2015-03 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2015-06 | 2 | brokered >10% | capital falling, uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 | capital falling | wholesale funding >15%, brokered >10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | wholesale funding >15% | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2017-03 | 2 | charge-offs p90 | wholesale funding >15%, deposits shrinking |
| 2017-06 | 1 | wholesale funding >15% | reserve under noncurrent, charge-offs p90 |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 3 | brokered >10% |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | AOCI drag >20% of equity | capital falling |
| 2020-06 | 2 |  | AOCI drag >20% of equity |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 4 | NIM <2.5%, charge-offs p90 | capital falling |
| 2021-06 | 2 |  | NIM <2.5%, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | uninsured deposits >50% | brokered >10% |
| 2022-03 | 4 | capital falling, securities losses >30% of equity, NIM <2.5% | uninsured deposits >50% |
| 2022-06 | 4 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | brokered >10%, uninsured deposits leaving |  |
| 2024-03 | 6 | capital falling, NIM <2.5% |  |
| 2024-06 | 5 |  | capital falling |
| 2024-09 | 4 |  | uninsured deposits leaving |
| 2024-12 | 5 | capital falling |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 | AOCI drag >20% of equity | capital falling |
| 2025-09 | 4 |  | AOCI drag >20% of equity |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 3 |  | NIM <2.5%, capital falling |
| 2026-06 | 3 |  |  |

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

- 2014-07-03 [Ewert joins state bank team - wdtimes.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNa0xSOGY2WHBGRWY2RjZpeGhRNFhqblZhOWd4bWllTWQ0bnN4UjR1X0pYR0RSbHVXT3Y0WFNJeUphUTRsaEFUSzNDYldiMEl0aDBfbnZXLUFVMXpjSzJrX29Camg5NzZKVEJpdC1PckFoeEpvUWNoVTZrdmZfY0RCUlJxYlRKb3A3UDgxbHN5NzJMZllRb0Jkb0JsTEhFaWM5WnVacWVWLW82b19NZk1FdDhn?oc=5) · wdtimes.com
- 2017-05-09 [Man gets 27 years for armed robbery, terrorist threat - fdlreporter.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxOTVBsMFFyVm1WRnNiNmc1bUtfQk1tcXpoRXhvUm1PMjFJSUtVd0dPbjdDSDRJYlYzYU04T0l3YVJxZGZQSVQ1V0VZNXB4elhsSnpHVGZRbmdoSHhGMGZVQm1vWHJ3SFpDZ01kSmZvbi1nSDg2d2xFSFJNMExYY2JrMnhzeUZnRjVSZjJKTEpjV3VHc1lyS3RpX3RkQWtPLVVtM0pjODB3YTBLWWFnbjJ4VUszejBSZw?oc=5) · fdlreporter.com
- 2023-08-15 [Gerald W. Yerges - Daily Dodge](https://news.google.com/rss/articles/CBMiUEFVX3lxTE1DOXlwbDhoTTdWODh2RUFkNDNfaEtmZ3l2Zmk4TmNRVXp5SWotdDh0TG9xSTdrUTNTYndGc3JqalJlR0Y5akJhRlhPTGFtTEJU?oc=5) · Daily Dodge
- 2011-09-11 [Watertown congregation helps family heal with new garage - The Capital Times](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPM2szdGViaDJtb2tLOVRBZU93dDB6YW5naEFwZ3M3OUtIN1BMeUh4cTd4OGNXRG1acExBUVhTNnVzMlFESzVJbWtDY093SHpVZ2otcUhobk1iY1BQZjdoT0ZvMklfREVIaFh6dzBiZHo0ZS1VbjNHOW90cEZYSUlCR3hiS3Y1WVhUeVI5UmFNME9lWXBzSXZ5OGFISG9RZzdRRHNjalBVVFNaN3V5RTgwN3NKbzh3d0tHd1ZjbFl2cGtyQlN0YmFDT1VLM3BWU3h0TC1pSg?oc=5) · The Capital Times
- 2017-05-08 [Bank robber gets 27 years in prison - wdtimes.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQejRPMERnWmxhV0JhNk5DamIxdlFIb0ZkcUI2ZjU5VEY4ODZvenIzelpBRmNVNzNuZEFILUtlb2pEa3RBdkt2ZzFUM09Vb2VxUEdrTmxqaVZpRENwWVpvLTQ0RU40Mm1GSkNDaTFzdm9LQmVfMExhaTBtSGhJN2ZJSnVXLWN3elE1TWZEZlJ1SVR0ME81OENtdEFuYTdOX1dnZEwyZGtVc0JjSG9SZnNIVWt5bnM?oc=5) · wdtimes.com
- 2016-07-21 [Man accused of armed robbery, bomb threat - fdlreporter.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNLWFtSDd1dVNDR2xTMFU4WGdyVjJ0Z2c3TFZxbzRiTWg5U0pueW5hVXBuZnRHMWVLWk9LVjU1Tm8xaEFKc0FWWUlnREU1R1ZVSHQweHlYRXFGMTRodFdscWgxdGtPel9XbVYwZmtwWVFxWFpjTlZnZE1tbVB0ZXh3QXdvOERUbEFYVmRqTUZBa01UVWNKSUhSYVdKSjdfanV5WU1jbnF3?oc=5) · fdlreporter.com
- 2016-04-23 [Brianna Kurtz Obituary (2016) - Watertown, WI - Harder Funeral Home - Brookfield - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOWmN6b0FvSWkyYnpZVGR3a3FKUHhBUDdzRFR5WEdGQTZGcmNMVmVTMlYwRTRDSnlEUF9oSEN2eURXNEs1MTFFSTd5LVJoNU5uM2dqMTZobWNpVGlSYm5yMlQybWJ6WGZjNDhZRGt3akd2cnhUVWNxdXJfWTlSQWhERWlpM1A?oc=5) · legacy.com
- 2016-07-21 [Raney makes initial for bank robbery - wdtimes.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxOOEpQUVRMYXRzU2dxRnFIdjVvdkpOSkpiNXJFRzRUSFBuYnRPdmNyNTQxQ2pWaHE4MnA3cXBQWU56c25VZWtvYVhVZUZQaFpmVmRMR2RRSndvUm13M3FGODdaZWE1d3p0VGRRU3VrUXhNaHNVblh3VzhXTmtSUVlPLV81UW94SG5ySlFQTmFXcnRsQ3RMaTdWa2tCa25xVE4yZ29ScEhIV082QVUteHJmYVNXTk1MZw?oc=5) · wdtimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14960 (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/48.json (key "14960", 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