# LA FARGE STATE BANK
LA FARGE, WI · FDIC certificate 15127 · asset band <$300M · latest filing 2014-06 · 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 | $47.2M | |
| Deposits | $33.8M | |
| Loans and leases | $19.5M | |
| Total equity | $13.3M | |
| Loans / deposits | 57.54% (p30 of band) | 70.22% |
| Liquid assets / assets | 57.89% (p86 of band) | |
| Uninsured deposits / deposits | 12.59% (p51 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.14% (p97 of band) | 10.41% |
| Unrealized securities loss / equity | 1.66% (p72 of band) | 0.24% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 1.57% (p87 of band) | 0.79% |
| Net interest margin | 3.47% (p41 of band) | 3.62% |
| Efficiency ratio | 38.43% (p1 of band) | |
| Noncurrent loans | 4.59% (p92 of band) | 0.88% |
| Net charge-offs (annualized) | 1.38% (p99 of band) | |
| Reserve coverage of noncurrent | 9.24% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $749,000 (3.83% of loans; DQ 8.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2012-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | assets shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | charge-offs p90 |  |

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

- 2020-03-08 [Darlene J. Stout Obituary Mar 8, 2020 - vossfh.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE53TTN3R0twMjZ3V00tel8yblV3WUh6MDhHUE4zUjZrdnQxVzhPcHlxMW56SGc0eDBBMTNObUdOSDgtT1dCMzN4SmVYODEzbTQ2U0R1TmFMMzdMSmRWYnc?oc=5) · vossfh.com
- 2021-10-23 [Charles "Kent" Steinmetz Obituary Oct 23, 2021 - vossfh.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE91eHVxLTV2cml2bGc4T0Y0UGxyeWlNRUVNd1hkR1pqU3lDM3hxYW5TUlFQTGNOeGVWa3ZpUXM4VllPNFl1aWx0V1BFVm1rUEJpdDRXNlA3ZWpndzR4M25uUGRQeGNzQ00?oc=5) · vossfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15127 (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/23.json (key "15127", 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