# BANK NORTH
WAUSAUKEE, WI · FDIC certificate 15093 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $119.4M | |
| Deposits | $100.7M | |
| Loans and leases | $80.3M | |
| Total equity | $13.2M | |
| Loans / deposits | 79.64% (p65 of band) | 71.36% |
| Liquid assets / assets | 28.30% (p38 of band) | |
| Uninsured deposits / deposits | 6.30% (p19 of band) | 12.72% |
| Brokered deposits | 5.10% | |
| Wholesale funding | 9.23% (p81 of band) | |
| FHLB advances / assets | 4.13% | |
| Tier 1 leverage | 8.38% (p12 of band) | 10.52% |
| Unrealized securities loss / equity | 1.32% (p69 of band) | 0.17% |
| AOCI / equity | 1.32% (p51 of band) | |
| ROA (annualized) | 0.03% (p9 of band) | 0.81% |
| Net interest margin | 1.65% (p2 of band) | 3.65% |
| Efficiency ratio | 92.13% (p86 of band) | |
| Noncurrent loans | 3.81% (p90 of band) | 0.86% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 4.64% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 24.94% (p63 of band) | |
| Auto loans | $1.0M (1.28% of loans; DQ 4.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 5 | capital falling, losing money, expense ratio p90, NIM <2.5% |  |
| 2014-09 | 3 | uninsured deposits leaving | capital falling, losing money, expense ratio p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-16 [Record income for Bank of North Dakota - KFYR-TV](https://news.google.com/rss/articles/CBMidEFVX3lxTE1mSjNqNXg4cUU2REt6TzZ6X3NvTGhwdFo5cGNXb01yY3pKT09hMVg1QWxzb2EtU090a2ZrRk5kUThDZWxvWHEzMnFzQnc4NWpSVVJQbFU5d0NxY29fWDctcWFnV3J6WE9oelBmcm9UVGV4RUwx0gGIAUFVX3lxTE43TTRvRm5oQ2RHWDRxU0tfRURjc2VPZVpPaG5NVjRNTzZyYUlyVXVsMVFYd19wZEd6NHdtUXhtbHJHbEVlbVJVUDR0VmpuM2l3UnFjZDlsWHlXRUpOYk53bXVzYktnbS1sdFBKQVhoM19JMjEzb3Q2SXh0SDlKNENZOXJGUlJoZ2c?oc=5) · KFYR-TV
- 2024-05-06 [North Shore Bank Announces Jim Ebben as New Vice President of Commercial Banking - Urban Milwaukee](https://news.google.com/rss/articles/CBMivgFBVV95cUxPU3hacmc0UWxWUFJLRW1yRThGN2cyS2ttLXBxM0lDLUdVWjVHTVZaVDAybDN0MjA3WTJMTDEyVml6emtPRUdwQnI5a05CWHNMUnNHeUZZc3JXSjBUR0EyRE1nMVo1Y1BxdC1STzQ0TDFOWHBvVlExOG1lSWJQSXBtYmY0bENrazRwVGo4MEZCdnc1WDEzVGZJU3NYazBBWmI1NmJCMkhmZm9lbUJmLUtHTG93V2Y3S0taZXh5TXlB?oc=5) · Urban Milwaukee
- 2016-07-01 [North Shore Bank to acquire Layton State Bank parent - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMif0FVX3lxTFBPWXFOVGM2NkE3a014MXJnLU13ZUJ5dDRyWGtPSEo4cW5pRjlVcmZET3hiVEJfT09sdWFLNEw5cTJ5X1VjdXNGM1hPZFgtaVhrQTZZRmMweGphX3NBRUhlem9mRlF4Y29aSXppSzctZ2lQbko2VGJON2JvTmtqV2c?oc=5) · BizTimes - Milwaukee Business News
- 2023-08-03 [Milwaukee-area banks plan new branches – and a closure - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNT2hiMktMa3BjVzhRYWRZdnJ1YkJNXzNGcjFPd0d4ZUVES1ZYSVg5UG50ZHFsX1JZVkdsYW1ZUVJtYXNiZFl6djRXUTZueEJ6VEk3R2N2eDJUdUhIaTVBTHRzckFQVDMzSG1qU1MyelpDLTdjUVk0UWZ2Y1puU1ZraFlVSmNNc2lmS3JVc21jbTAxMjRUVVc3bU5KMzlPRFhVLUk2aE9wMGQ?oc=5) · The Business Journals
- 2022-12-28 [North Shore Bank Announces Haney Promotion - Duluth News Tribune](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNZzhXUURteTB4RmZMalRtZU5XSFFtbzAzZmUyOWRvRnI0dXJfeFNNMzNqOWdmQkh3ZWV1d0dHcXBSUEZ5VmQ3bGNiVnF3b3p5Nkd0dE9GaGFzekVIbk4wc2dkUl9tMGtpQ0hfenBSaGMxXzNuSGNYMXktUnNGZUt6WHRUT2xUb3Npb2xSN0ttWmxJbUxWZWMzOTdEUklfT0FMTEpMVzRuU3Fyd3VSWDBFYll6eEEwU0xfX3gycmF6bnExX3NJZi0zOE1XOXljcTB6eGp0azNqUTBac1A2SE9GRFpBNA?oc=5) · Duluth News Tribune
- 2020-04-16 [Urban spelunking: North Shore Bank's North End branch - OnMilwaukee](https://news.google.com/rss/articles/CBMidEFVX3lxTE03bUpLX1EtaEhGS3c1bXFoMkZvWjYwcHNtLWt2Y2c3MkhkeEZsemRCR0h2WE1yMDVwRTBnYjZ3WkFpMGRUenN1MFFFRjUzUEcyUnRTY3EwOUpTTjFOMW16LTZLR0xQZTBINnFzSUI0WnVJTkJP?oc=5) · OnMilwaukee
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15093 (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/53.json (key "15093", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide