# RICHLAND COUNTY BANK
RICHLAND CENTER, WI · FDIC certificate 15092 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $114.1M | |
| Deposits | $96.0M | |
| Loans and leases | $49.9M | |
| Total equity | $17.8M | |
| Loans / deposits | 51.27% (p20 of band) | 73.59% |
| Liquid assets / assets | 51.45% (p80 of band) | |
| Uninsured deposits / deposits | 12.46% (p22 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.77% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -18.45% (p25 of band) | -6.57% |
| AOCI / equity | -0.57% (p41 of band) | |
| ROA (annualized) | 1.51% (p68 of band) | 1.17% |
| Net interest margin | 3.71% (p38 of band) | 3.93% |
| Efficiency ratio | 61.71% (p40 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 27.28% (p62 of band) | |
| Auto loans | $1.9M (3.74% of loans; DQ 1.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

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

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

- 2022-03-30 [William Anthony Van Der Molen Obituary Mar 30, 2022 - vossfh.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9QQ08wcFRQRUdSNW5vWllmUHdrMC1ieDVMNTlfdDJLZDdOUlJfM05BY285SU83eG8xWWJnOTNvN3hBRlN1aW5OeTdkdzRmaXFEMGdCcFVwb2pHSVRkbERVZjV1endZcngtODI5LUMzUmk?oc=5) · vossfh.com
- 2018-11-20 [Signs dedicated at branch campuses - University of Wisconsin-Platteville](https://news.google.com/rss/articles/CBMibEFVX3lxTE1xRVRBcWlHM1hUUW9iWUpFaU81ZVFQSXhSSnQ3R0ZreDB0b2lvQW9wSENxeUxob29PSGNrY2I1UFo0ckROQi0wcERldi1HM1VlanV2clhuWUJJVFp0YzRFNW5zTTBmVlV0QkY3Sg?oc=5) · University of Wisconsin-Platteville
- 2016-05-01 [Ward McDonald Obituary - Ellensburg, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPelNMODdNNHNSWnFkcDJKcVE4emhXMVI2RHpUOEhZTlZCSzE5MFJRWGFmOHJYczhqU2d6Y0ZGaFRYdnBYc0NXdHV1RFd1WEVjY1pNSUhIVE5EZy1RTGJ2YmtkZEpPNDJIY21LS1M1QnpSVFFfeFZKcE9raHFMN0lOalNrMjU?oc=5) · Dignity Memorial
- 2026-05-29 [Bobbie Anderson Obituary (2026) - Muscoda, WI - Pratt Funeral and Cremation Service - Richland Center - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVEZTSGZVby1rbmFEMHh6bXlWZEJqOERUMmNhRFVGWWFkUmZ5c1FXN1ljVk5faDdRbnBBZ0NqcS1VNlVIRXJjTEpHaTREQ2s5QzJXNVdTWGtfa1duQm9uN1FNbmhTdTdqalhrMWJ0Tzd6c25nRWNMN1VZT1JWMm56WHpncUI?oc=5) · legacy.com
- 2021-08-10 [Sara Debra-Lynn Bricco | Obituaries - channel3000.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxORFZpN2tZWjViNjFYVjdyeXVlWmpoa0dRNHBhQWVjNW5uZmdpZDhrenlkS041UWo0UTZsd1JieTVfaHNTdE5BUDFhenJzTUNKczlxSUFFRXV2YzJLaW1naWI4ZDE4N2labVBwYTVxcmRVX1VjSUxFdUlTVnVfOG42dXVrMGRYTXJPTFVCZFRid3pNblE3ZmdleTRNaVBGRkt0UDVtWF84VW9XZm10Y3Bkeg?oc=5) · channel3000.com
- 2011-01-17 [James G. Ormson Obituary Jan 17, 2011 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9USEdEOWFSUTNTNVVRMlQzVnZ0N2VTUDJjX2RCRWo2T0JHYzJxNWtJaGFKSEJ6Yk1TOVZiYk92WlFRUGtWMnFERUNKRTB5NzhwaUs5aHJCZ2MycTMzZEc1dVo2TDU3SWlpbk93OUYtNA?oc=5) · wichmannfuneralhomes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15092 (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/52.json (key "15092", 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