# BANK OF WISCONSIN DELLS
WISCONSIN DELLS, WI · FDIC certificate 15136 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $1.08B | |
| Deposits | $927.8M | |
| Loans and leases | $844.4M | |
| Total equity | $121.8M | |
| Loans / deposits | 89.47% (p58 of band) | 87.10% |
| Liquid assets / assets | 18.80% (p40 of band) | |
| Uninsured deposits / deposits | 46.44% (p86 of band) | 30.76% |
| Brokered deposits | 7.67% | |
| Wholesale funding | 9.53% (p63 of band) | |
| FHLB advances / assets | 1.85% | |
| Tier 1 leverage | 12.12% (p77 of band) | 10.50% |
| Unrealized securities loss / equity | -9.95% (p40 of band) | -7.75% |
| AOCI / equity | -0.51% (p35 of band) | |
| ROA (annualized) | 1.75% (p80 of band) | 1.26% |
| Net interest margin | 3.75% (p53 of band) | 3.70% |
| Efficiency ratio | 39.66% (p8 of band) | |
| Noncurrent loans | 0.09% (p12 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 1858.41% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 144.75% (p97 of band) | |
| Auto loans | $268,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 11.8% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 1 |  | brokered >10%, charge-offs p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | brokered >10% |  |
| 2013-09 | 0 |  | brokered >10% |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 2 | brokered >10%, wholesale funding >15% | capital falling, reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 4 | capital falling, construction >100% equity |  |
| 2017-03 | 2 |  | capital falling, construction >100% equity |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 4 | uninsured deposits leaving |  |
| 2018-03 | 3 |  | uninsured deposits leaving |
| 2018-06 | 1 | charge-offs p90 | brokered >10%, wholesale funding >15%, capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | brokered >10%, capital falling |  |
| 2020-09 | 2 | construction >100% equity | brokered >10% |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | construction >100% equity |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2020-12-09 [Obituary for Lou Rae Kremer - Brian Mark Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1tVVV2czY5UEVGOUktcjJrbXdud19LWDlmT2JXUFdvUnk0aTIzNGNGVzJUZ2RrZFp2Z2xPUTg3Z0tIc2EwbWg3TC14YlpJM3FfMHVicC1lRUdGX2xXR0Nv?oc=5) · Brian Mark Funeral Home
- 2025-07-23 [Obituary for Darlene E. Berry - Farber Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE41NFEySVp5c0NBSHFFMWhha1pZNUFhWEd5dmIxWWhkTGVueVhrQ3ZJdVNrU2p0VnM3aGpFbG92ODNKMDlmUmJVYlNBbldPdkpNMi03UFQtaXVUa2lPLXhab3ptVjN0eHM?oc=5) · Farber Funeral Home
- 2021-04-17 [Bernard "Bud" Gussel Obituary Apr 17, 2021 - Picha Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFB6NzhESjZ4UTdQRjd1dWx4eUlPcHhaUEdrMFBBdVZWYlM1T2pqNWp4eWdsV2lpS3RDM0R3UXhWVnJyQU9VOHFYT2J1NEZBYmNxVl9LSkJLQmxpdnc0OWJOd3lBQXd4QWM?oc=5) · Picha Funeral Home
- 2026-03-05 [Timme Tofson Obituary (2026) - Wisconsin Dells, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPV2tjaDRaYlhCUVNha0pvMk52TWY2ODJnem5WVWpCZEJkbWxIaWNReHlHRURaTl9GdUR5amM5VURJbHhrWDJobi05UGE5UmRYa2luclJCR0ltUV8yakctTHJsOXU2OXRqQl95cU5FNmdab09jaDBBYkFja1FIaWN0Ty1wZ29aYmpUdHVGOA?oc=5) · legacy.com
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · androidpolice.com
- 2021-07-30 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxQS21oY0pNXzNvOWpUZXNzeHZkZURhTU9CTFdDYklySmJ6eWFRc2NQOHZIWUl3X1VaZjFOREJNdkMyNnJXYlNhNGFCYmFJYXllay1xMU9VM0UxUVFYSHh0Z0Rsdl9Kazhzb0lReXR2UWticmpDaXNnLVFzalpLeW42MQ?oc=5) · Redlin-Ertz Funeral Home
- 2024-10-24 [Bo Hopkins Obituary (1980 - 2024) - Wisconsin Dells, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPQlNtcUsxVl9EOF9PYWQzSHFNT3lsMmwzMDdCNnp5VlB1LUQzZjJhTFZCWnZvZmVjTjdMcHpnRUh1N2pHQm1xR2Y1d0lHcHBLcUtsOWkyRzZOZDdEV2c1b0VINjhqQThxZDE1SW1vd1N0QTlVcE1qdnJKSjZ5ZFk1WnFQZ2RhOFpVTFE?oc=5) · legacy.com
- 2024-01-11 [Barbara Wagner Obituary (1945 - 2024) - Wisconsin Dells, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQLU5hLTFVSHBWQ1NxSnNpNHdFeGVCZHRKWUlNSWkwVXdlQnVKUy1EY1p5TTltOVFnR1UwZEMtdFdsV2VReHhhaVZIMk9PV19Id21ORExSNTRWVjBfWFBZY3VvQU1YVV8wTm4zWmFiUDZhdjVaTFJ0YVVYaThCeGJLOGRkYXExVnVxN19icGQ5bw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15136 (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/32.json (key "15136", 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