# JACKSON COUNTY BANK
BLACK RIVER FALL, WI · FDIC certificate 15121 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $200.1M | |
| Deposits | $173.9M | |
| Loans and leases | $65.0M | |
| Total equity | $20.3M | |
| Loans / deposits | 37.35% (p12 of band) | 64.15% |
| Liquid assets / assets | 64.13% (p88 of band) | |
| Uninsured deposits / deposits | 18.47% (p50 of band) | 18.57% |
| Brokered deposits | 9.56% | |
| Wholesale funding | 12.34% (p92 of band) | |
| FHLB advances / assets | 2.78% | |
| Tier 1 leverage | 9.34% (p31 of band) | 10.40% |
| Unrealized securities loss / equity | -1.20% (p9 of band) | 0.89% |
| AOCI / equity | -2.31% (p23 of band) | |
| ROA (annualized) | 0.60% (p26 of band) | 1.04% |
| Net interest margin | 1.83% (p6 of band) | 3.30% |
| Efficiency ratio | 76.80% (p70 of band) | |
| Noncurrent loans | 5.24% (p98 of band) | 0.35% |
| Net charge-offs (annualized) | -0.01% (p23 of band) | |
| Reserve coverage of noncurrent | 2.44% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 9.07% (p42 of band) | |
| Auto loans | $739,000 (1.14% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 2 | loans exceed deposits | capital falling |
| 2016-12 | 1 |  | loans exceed deposits |
| 2017-03 | 3 | brokered >10%, capital falling |  |
| 2017-06 | 4 | uninsured deposits leaving |  |
| 2017-09 | 5 | noncurrent p90, reserve under noncurrent | capital falling |
| 2017-12 | 6 | charge-offs p90 |  |
| 2018-03 | 7 | capital falling, losing money | uninsured deposits leaving |
| 2018-06 | 8 | deposits shrinking, assets shrinking | capital falling |
| 2018-09 | 9 | uninsured deposits leaving |  |
| 2018-12 | 9 |  |  |
| 2019-03 | 7 |  | losing money, uninsured deposits leaving |
| 2019-06 | 9 | losing money, expense ratio p90 |  |
| 2019-09 | 9 |  |  |
| 2019-12 | 8 |  | deposits shrinking |
| 2020-03 | 9 | NIM <2.5% |  |
| 2020-06 | 9 | capital falling | assets shrinking |
| 2020-09 | 7 |  | wholesale funding >15%, capital falling |
| 2020-12 | 4 |  | charge-offs p90, losing money, expense ratio p90 |
| 2021-03 | 3 |  | brokered >10% |
| 2021-06 | 4 | capital falling |  |

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

- 2026-01-26 [Woman ordered to probation in Jackson County bank robberies case - WEAU](https://news.google.com/rss/articles/CBMilgFBVV95cUxOT3ptaHhqMVZJQWNNSTJpaUk1WVl6cFd3MUl4cExlQUszTm96ZUJpR29CWDZJWDR4YXU3NHpfQlNJOVBUNkpZbFVtYTk1N2JFVGt1T1JYU1VZdS00bHdaeWk2Y0ExekJDdloxQi1obW9fN2dMYS1pVllyQlZYMGNvekdqLVJZTEI1MUp0TUNTUFcycjQyd0HSAaoBQVVfeXFMUFRLa0hCZVpRLVhHcHI3a01IZ09GVlZxbTJxVHhsc1RMQ1V5bUhKQWVDaHcwaU5NQkxqczFWNmNXNTFiT2pGMFRMcVlBR1dqb1FESFZxSEc4QnM0T0EwV0J1R3BXZmQ2ajdfR3R6SkM2NEFMekxBTEpJbU9tUHFoU1pvQUJ6b1Q4QkNxOENYV01mNkk5OWV0QV9MVkI3ZmZCYXRxOFFSaWx0ekE?oc=5) · WEAU
- 2026-01-26 [Woman sentenced in Jackson County bank robbery cases - news8000.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNR1VGcWdZcE5JUzJPcW9RZWlFaFU5T0VuR01OekMtQ1EwVHBpazJoSEpZQkNOV2RqbmVrb055dGVEUnJ2QkpZTFExN0VCeS0zbmdicXdtN1NfdzJXdXpYMW53Mi1hZFpHbmNINUE4OWt4Y2I0NjdHRjFBYmNSaWhFSHRYZ3JuSHlTQ0FMZTM3eUZfc096ZWtIZE1DV3pIU1dFZ3gtbVpDM0JoaW1nSzZWamVxZ21LTEI5S3pVZlNiS090S042ZzBTOVN4UXZ0VHdja0V5NA?oc=5) · news8000.com
- 2024-12-24 [Wisconsin woman arrested for Jackson County bank robberies - wxow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPZmFsZ3FSTE51VjdmRU1BcUd0ejN2dTBxMHgycUVVejRDeksyTDBxSVltNGRNT0dIb3QxOG5rbTJGaXZfUndIOWcxUWNaZVRhUHhhekZGMnpUT0Z3WmRIOTl2clRvT25pVUJIQmJBdlZkamg4X01rSHlWQnRyUDVYM2J6MGk2SEN2SnF5RERidGtQemhCYVdLWWR0Zkt6b1BNM0syLWdMQndoNjZsNjdwd3FLck5uRlJuNngwVVpZYkxEM1l5SUg2R2NoNjNaMko5bzNYd0NXcw?oc=5) · wxow.com
- 2025-01-03 [Charges filed against second person in Jackson County bank robberies - wqow.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOOFNBZVEycUlrY0UwZmJDd1JTaWw1N3Z6QmlDSzl4ZWhraGlScjZIRl9MZGMtMFBpQThiblhTRGRSSmhzbzZsd2JkZXN3REs4NGVrVmg2OWRBZ0hZUVRtb3VNSlpNTkNHVXc3ZFR6VlpMX25iNzdVbGdzVFJYS3NLeGozQnJXdjQtS2Y5dTIxRXBuUlhNdG9qOFV5VGFza01NUHBhREsycS1KcFE2Z1JsVVhEZkVZTFNOdDlmLU9ZVzl6NWVacGVkY3pQblFlQkJLU0xWVnl3SW5aZUN5?oc=5) · wqow.com
- 2024-12-23 [Woman charged in Jackson County bank robberies - WEAU](https://news.google.com/rss/articles/CBMiggFBVV95cUxOV2pFRVdpWEFGcmdaRWowRTgyY2E3cGowM1E2RVpaM2tRQU9DMXpUT19BRzBaSDIxaUZ1c1IydkpRRUFfWmNxNmxscVFYc0JoU3NFMTF5R3VMbGx1TjVocHlOOURoYk9HUTB2MjlhbEJ4bWVLRFIwZDZPQk81eGd5blhB?oc=5) · WEAU
- 2019-10-08 [Wesley Berg Obituary Oct 8, 2019 - cremationsociety-wi.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1jajdiR1J5NC1va3hiSWNRQ3h3djUtcGNlRG9RamZReDE3TVBVTWJFazVmamdPRWV5UVZ4a3NrR3FWdnctTWpDakhoVUplbk9qM2lrYkNhTG1yRXl1b0llX3pCZEZYYWE3SFE?oc=5) · cremationsociety-wi.com
- 2021-10-02 [Bank Robbery Update: Surveillance photo, more details released - wxow.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxObnpSaFFySW1CTExfTGc1eHJyYXY2TXpQUlQwcDhteEdZVElETTg1bmJSejU1RXZhcGN6V0d3cHpTS2wtRXFDTTNuelRxVkVzQnpGdkppdjRPNzYxbHA3blQ4S2lLbzdWYlJlUmFkQlE5YWxmQm15YkdUUk1BeklYMF9KTHJQbjdvNFVoVjIzUXAzWFBYZDB2MEs1SnBXcEtrMm4tM1p5NXdWUFQxbm92TGtoTkdGWm5ta2FSV283bW9rZGk4Zl9kN19GczBUV0dKYWwyNldXTEIwZw?oc=5) · wxow.com
- 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=15121 (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/17.json (key "15121", 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