# CITIZENS STB OF LA CROSSE
LA CROSSE, WI · FDIC certificate 1513 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $648.5M | |
| Deposits | $513.4M | |
| Loans and leases | $546.3M | |
| Total equity | $85.1M | |
| Loans / deposits | 104.97% (p94 of band) | 82.04% |
| Liquid assets / assets | 14.78% (p16 of band) | |
| Uninsured deposits / deposits | 29.39% (p64 of band) | 25.97% |
| Brokered deposits | 16.24% | |
| Wholesale funding | 23.70% (p95 of band) | |
| FHLB advances / assets | 7.46% | |
| Tier 1 leverage | 13.36% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | -0.01% (p74 of band) | |
| ROA (annualized) | 2.94% (p97 of band) | 1.28% |
| Net interest margin | 4.13% (p62 of band) | 3.91% |
| Efficiency ratio | 39.35% (p5 of band) | |
| Noncurrent loans | 1.06% (p74 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 128.46% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 53.64% (p59 of band) | |
| Auto loans | $770,000 (0.14% of loans; DQ 1.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 5 | construction >100% equity |  |
| 2011-09 | 4 |  | construction >100% equity |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | capital falling |  |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 4 |  | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 |  | capital falling |
| 2016-06 | 3 |  | liquid assets <10% |
| 2016-09 | 4 | liquid assets <10% |  |
| 2016-12 | 5 | capital falling |  |
| 2017-03 | 6 | construction >100% equity |  |
| 2017-06 | 4 |  | liquid assets <10%, construction >100% equity |
| 2017-09 | 4 | liquid assets <10% | capital falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | liquid assets <10% |
| 2018-09 | 4 | liquid assets <10% |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | capital falling |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 4 |  | capital falling |
| 2020-09 | 4 |  |  |
| 2020-12 | 1 |  | brokered >10%, wholesale funding >15%, liquid assets <10% |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | liquid assets <10% |  |
| 2021-09 | 3 | construction >100% equity |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | wholesale funding >15% |  |
| 2022-06 | 4 | capital falling | construction >100% equity |
| 2022-09 | 5 | construction >100% equity |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | liquid assets <10% |
| 2023-06 | 5 | brokered >10% |  |
| 2023-09 | 4 |  | capital falling |
| 2023-12 | 3 |  | construction >100% equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | loans exceed deposits, brokered >10% |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | loans exceed deposits, brokered >10% |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | reserve under noncurrent, deposits shrinking |  |
| 2026-03 | 3 |  | reserve under noncurrent, deposits shrinking |
| 2026-06 | 3 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1513 (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/41.json (key "1513", 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