# STATE BANK OF CAZENOVIA
CAZENOVIA, WI · FDIC certificate 15123 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $34.6M | |
| Deposits | $28.1M | |
| Loans and leases | $17.3M | |
| Total equity | $6.4M | |
| Loans / deposits | 60.03% (p27 of band) | 75.51% |
| Liquid assets / assets | 49.56% (p80 of band) | |
| Uninsured deposits / deposits | 4.57% (p8 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.48% (p93 of band) | 10.91% |
| Unrealized securities loss / equity | 0.03% (p47 of band) | 0.10% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.49% (p22 of band) | 0.87% |
| Net interest margin | 3.09% (p20 of band) | 3.67% |
| Efficiency ratio | 83.78% (p80 of band) | |
| Noncurrent loans | 1.41% (p74 of band) | 0.61% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 166.39% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 4.60% (p28 of band) | |
| Auto loans | $357,000 (2.07% of loans; DQ 2.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.6% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | uninsured deposits leaving | capital falling |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 2 | expense ratio p90 |  |
| 2016-06 | 0 |  | capital falling, expense ratio p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 1 |  | assets shrinking, uninsured deposits leaving |

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

- 2020-08-08 [Daniel Dee Obituary (2020) - Reedsburg, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQZVNyWUxTR05Wall5ejlWOVFEQmRGdEt4UUttOXZySk5Tb3lQeHdRWE05NW5SbmJUVVFSbnpmaWR2WVBPMWVJU1FxQ19paW9fNjROMlRxTW5yNURHWWR1WXdCMjNTN0dXSUFUWktlNW1VMzl4aC1VU1QtM0N5VmwtQVNVejF2U2di?oc=5) · legacy.com
- 2024-06-14 [Alice Marie Elliott Obituary (2024) - Seattle, WA - Emmick Family Funeral & Cremation Services - Seattle - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQRWdLb3BOV2hPaVRNU3FlUTBqNXdwLWV3Q1VjTGVaamtVQjg2WmJ0Z2pJNFFTZnpQbDZGenZQSC10WWpWZURNYW5YYlMzWi1hVlp0MUJUeFIzenRydnJ2cENKUmREWEZuX2hFMGdVQ2NyVXc3MS1CQUNVLTh0cEtXYzJB?oc=5) · legacy.com
- 2022-05-26 [Shirley Peterson Obituary (2022) - Reedsburg, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWTRIMGJuUS00VGNGaGtaWUY1Y0pvZ1VHVjl1WUJQV1o5SC1wY3F6R0tZM2NZblltbnpkR2tXLWozWkJGMmlYY3V6clRlVWlsVDIydFRtUkpuQ05naHRoVUpQUzRxeGV0RVRYVlpzdjYtN2E4OVhyUFhxR0E2MW1QZzE5STFmYnFnTmc3Q0NPZmc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15123 (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/19.json (key "15123", 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