# PEOPLES COMMUNITY BANK
MAZOMANIE, WI · FDIC certificate 15046 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $388.8M | |
| Deposits | $339.7M | |
| Loans and leases | $250.3M | |
| Total equity | $46.4M | |
| Loans / deposits | 72.68% (p30 of band) | 82.04% |
| Liquid assets / assets | 31.30% (p67 of band) | |
| Uninsured deposits / deposits | 12.10% (p7 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.25% (p27 of band) | |
| FHLB advances / assets | 0.25% | |
| Tier 1 leverage | 12.76% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -23.71% (p18 of band) | -8.10% |
| AOCI / equity | -1.00% (p22 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 55.86% (p33 of band) | |
| Noncurrent loans | 0.14% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | -0.03% (p4 of band) | |
| Reserve coverage of noncurrent | 1001.76% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 51.15% (p57 of band) | |
| Auto loans | $502,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.0M (4% of equity) (p93 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 54 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-06-15 [Wausau banker to serve on Wisconsin Bankers Association Board - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNE5FM0JheThjMFFRMGdSYTNIVzl5dkJGT2Vhd29Eb3BDNDRVd09lbGk5WXotTUlCOVFsWTdod0tmQ2plUDNWeURuS0lPNnAxaUlfVFZ1czhlLURqdkZIR1dxeWoyVVpaWWRhTU1Kak5JTUN6UkUxbkZSRzdWd1lfeVAwa3djNVlERnBjd3RsWlNhNmNlYjhoUTBOZ2lrcW9uamhFZlRVbGo0UQ?oc=5) · Wausau Pilot & Review
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2020-09-03 [Even in pandemic, small banks forge ahead with core conversions - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdEVuRDJDLVdiVUMtYmFZbFgtRVdKSXIxckRrNVJIMWxKTmVzbDQ1QjJOVTcyczNHNHRFdTVibzFNc2JiQU5PTzhXTHFpZTB0UU5qdEg0QTMwZjk2b2JjeGExS3lLLVFrZjktcmlBN1VzS3V3LWlVYTg5UGcwd19PR2xjVFEtNHhIR0Z4Vm1US0hrcFRTaEs3T3lqZTI1VGc?oc=5) · American Banker
- 2023-12-17 [Obituary information for Patricia A. "Patty" Wallace - Gunderson Funeral Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxPQU4yWjBxc0s0MXRCak5Eb2dKR1lqa0NTblpXbU5iSk52bXA0RlBJRDVKcmFDSFl3bnhyUGkwenV4cmhSNV9iWUhaZlNEYmh4MVhYWi05QlJOckdpcFVzTkI2Mzl2SGZBcjdTbjVqSDBlelpPSEFQMl9FWTgxVUttYXp6bw?oc=5) · Gunderson Funeral Home
- 2025-10-16 [Community banking tech firms UFS and BankOnIT to merge - fintechfutures.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQmVLTUR5RU85UEphdFZUZ2dxTi1NYnNyS0tNWGwwelRlREVRNC02MXRPY2VDTWRQSTNxUjRRMFdETmM3V3UtRjZTNWVEN0Z6LVRBVVRRVndSOEhmMkxNQUlNQkRCMnRySmcyUUFWSFVPWlRvMnMyS2dUeUdwd1RNcVl1Vkl1LTVuLURSY0stVjR6SWFaczcySTBodVExOHJuSWJJ?oc=5) · fintechfutures.com
- 2024-08-04 [John Johnson Obituary (2024) - Madison, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdk5ybVY1b0NVV01pNE1DSC1say1sMWdOTE5oR2VwcHM0QktVQmE0akVIRENWbGJTb2EyYVRKMU5UUE8tWTZMWXBIbmNKZXNFUFhTbjVDLUlZTFdyR1c1YkMyVmR0NndoM0ZNNVJObkJiOGYwVHk4cHlMc0VlQ2xGbmRVUERXMWI0VThJ?oc=5) · legacy.com
- 2025-01-02 [Nicolet National Bank Review: Competitive Accounts With Local Service - GOBankingRates](https://news.google.com/rss/articles/CBMigwFBVV95cUxPUTBKNmw1Y0FXLUlVVXgwVGM4SlY1aXd4OUFYTVdXSUFROGoxRnI0VXJDODdycVZlaXVpNWRsNlJmbk44Mngxdl9RUkp3clc3amlGZkE3a1VqenU0TlRNWmRKcFdFV2NPb3k0RTg3SVlHYXljZi1GaEN6TTdGNTVDX2xodw?oc=5) · GOBankingRates
- 2006-12-29 [Police Say Ross Bank Robber Admits To Four Other Robberies - fox19.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQc2JoWjFfZ1JnMTNFdi1Xek9uOWVMMHcxcUhkVlFhS1pXOWFPandIWFJSTnlsN0VrTGR4QTVZS2R6QkhTVE9KMmY1TnduWkctd1NTNk5fVWpOVGhwRFRVZDFGY3oxS1M4WVQ4b2FaMUhZcWNyX1VaaWNJMHhNVUc2ZzhkcHZVY2g1RDJTdkk0Z280WW1TMEVWRE1sa9IBrgFBVV95cUxOWmdyMWFRNUlTb2t6a3NPVlZGcWRpODNMYTF6VV9DcmRBWlpRbjZwbTlxSTd1NXMzR1R5UUdRYWVhLXFuQ1h0bmVGUjlnX3lZTEx6ZU9pUFlJWXVKc3lCcHpGaDRiQ09TelNRRkVyVXZzZW9YY1h4RFN0cWVoeFRPSHJ3RkU3S3IxQWMzcUR6cmR2OUdGWVl2ZzA3T2k0T2lneGxlc2RhYjhCNUtiT1E?oc=5) · fox19.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15046 (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/6.json (key "15046", 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