# PALMYRA STATE BANK
PALMYRA, WI · FDIC certificate 15116 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**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 | $39.4M | |
| Deposits | $32.1M | |
| Loans and leases | $13.2M | |
| Total equity | $7.0M | |
| Loans / deposits | 40.54% (p10 of band) | 73.15% |
| Liquid assets / assets | 63.19% (p91 of band) | |
| Uninsured deposits / deposits | 15.06% (p55 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.30% (p93 of band) | 10.64% |
| Unrealized securities loss / equity | 0.11% (p45 of band) | 0.27% |
| AOCI / equity | 0.00% (p62 of band) | |
| ROA (annualized) | 0.38% (p20 of band) | 0.82% |
| Net interest margin | 2.09% (p4 of band) | 3.64% |
| Efficiency ratio | 85.09% (p78 of band) | |
| Noncurrent loans | 1.14% (p65 of band) | 0.67% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 112.00% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 12.10% (p44 of band) | |
| Auto loans | $149,000 (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **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 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |

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

- 2013-05-16 [Palmyra-Eagle seniors earn scholarships - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMivgFBVV95cUxNUUN6ZGhnRUVLdHJxYXpQSzV6clBtSmpFWFR3VklQdU52eTJTakV0eWp6d0NSRDRuZWRENmRHVVFucnp2Mm1hU04zTVZxYUZVQk55dVZNajltZzgtTmZEdW4taTdmdEdDd1RPc2lwbV9KTzVyNU0yR3VWSWR3RlZFN3JfVmZfMFRaYW94bVdfcXlwX2JWbXlIdlZ6WHJ6b1hucGt1MkRFNHlsM2tSRWgyRmpFdlM2SloxWFNDM3VR?oc=5) · Daily Jefferson County Union
- 2011-08-09 [Standard Process Inc. president receives merit award - Chiropractic Economics](https://news.google.com/rss/articles/CBMigwFBVV95cUxORzlGMkdWMjRTX3BwYl9pRjVVWmJGYVg0bVBWNk1PZXFid05idzV0Y2VmSW1FRXpQQ3duTm9sUXFRWlVMa2RKRU5BRktlSVRFMnZ0M3ROUncxWFhLVjAxUi1FeFhVVE5rX2dOeVlvRnVrWmlvNWJHckhUM3NXQ2MzRkFkRdIBiAFBVV95cUxQTU05VzFTaUktcnpfRUJmZmxVc1FqMVdyNmRIMjQ2R1BBVGlYTGlFeXg0ZWhrRFFNTEw4Zi1NLWJpdGhfaUt6NWMtTW5FeEtPdVhnVjhiX0ozcWV2VHlybVpsTFhjVjBOMFpac1pVUkhsUjBQbFdTX2pWRDZkMmhvcXN2WjBxOGg0?oc=5) · Chiropractic Economics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15116 (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/12.json (key "15116", 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