# STATE BANK OF ARCADIA
ARCADIA, WI · FDIC certificate 14994 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $210.6M | |
| Deposits | $190.9M | |
| Loans and leases | $87.4M | |
| Total equity | $19.5M | |
| Loans / deposits | 45.21% (p21 of band) | 63.26% |
| Liquid assets / assets | 56.39% (p78 of band) | |
| Uninsured deposits / deposits | 25.52% (p73 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.19% (p11 of band) | 10.61% |
| Unrealized securities loss / equity | -1.64% (p8 of band) | 0.71% |
| AOCI / equity | -2.75% (p20 of band) | |
| ROA (annualized) | 0.78% (p34 of band) | 1.03% |
| Net interest margin | 2.25% (p11 of band) | 3.29% |
| Efficiency ratio | 65.37% (p45 of band) | |
| Noncurrent loans | 0.33% (p51 of band) | 0.32% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 382.82% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 10.87% (p44 of band) | |
| Auto loans | $1.3M (1.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## 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 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | NIM <2.5% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | NIM <2.5% |  |
| 2015-06 | 0 |  | NIM <2.5% |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 0 |  | capital falling, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | uninsured deposits leaving | capital falling |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | NIM <2.5% | reserve under noncurrent |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |

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

- 2025-04-10 [Barbara Jean Reedy Obituary Apr 10, 2025 - Schumacher-Kish Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9XZDJuZUFhNVJXQld3cDYtWDI3VmtjZ1N5MkluNzBraHZmMDZYU1VaZWM4YWE3Z1FjWlRISFNkZUE4a0xxXzdNaWstSmFnTWFHOWxETV93OFpzOThINTRHb0xRLXUwZms?oc=5) · Schumacher-Kish Funeral and Cremation Services
- 2016-09-11 [Beatrice Florin Obituary Sep 11, 2016 - Watkowski-Mulyck Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE82V2ZvbWl0cXRxaGJPMTdEME1DbnFMOUcwMmh5d3ltZGZmTTVKcWZMRGJNbV9teE16UXZ3WWYzWGswRi1jckQtSkp5MEUwY1BSQU8tZ0UySS1oT2pfSmFOSEJmeE82ZFcyeWpn?oc=5) · Watkowski-Mulyck Funeral Home
- 2024-01-28 [Rodney Rudolph Reck Obituary (2024) - Arcadia, WI - Wozney-Killian Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5lZHpUd3c1VjdVQ2YzMDhBYUQ1N0UwWlBUZEVvNDNEMUg1d3AzaU4xbkU4LWFlMmVvbWtfbDZSMkFTUmhubVkxbDdMaUVuZ1JmU3FQaXhLV2ppamJ4cEppNkFUc2ZQbUhsVThJVjM4X1JuRThIckJpTjd1RFMyakk?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2017-11-03 [Robert C. Barlow - Bloomer Advance Newspaper](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdlpNckVSOG9laVE4R3FsMXBIWVRycEY4dk0xY1U2cVdVdDAtREE1djdkZmZvbDZTek9FZU1kVUpyMjhPSFV4aWlmWmZrRzd6ZHYzTzBibnd6NGFFcm1jTVozVlNXdmN2WEpqS3RNaDdqQ19LSGdaSFYxTjE5VVdKYzVpZEpIblR1NFJWbmRFVkx6aWh3dkE?oc=5) · Bloomer Advance Newspaper
- 2006-09-16 [Robert Barlow Obituary (2006) - Chippewa Falls, WI - The Chippewa Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOTXZHbE5YeENWUDl5am1Cems0OHpoV1kxdzRzZVFudWt4Z19Xa29kM2FHNWZLYXNuOG9ZcmtuazU1aFlHeERlU2o4ZVVkSURVbGtKRmhybG9nVU45eUZqc2diWnREM21JZTl6TllDZnhGem1XQ21lNHdzRUNWVWIxN3JINjV3WXZJc3BiZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14994 (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/18.json (key "14994", 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