# BLACK RIVER COUNTRY BANK
BLACK RIVER FALL, WI · FDIC certificate 15152 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $101.8M | |
| Deposits | $85.2M | |
| Loans and leases | $79.9M | |
| Total equity | $7.7M | |
| Loans / deposits | 92.24% (p83 of band) | 73.59% |
| Liquid assets / assets | 18.58% (p18 of band) | |
| Uninsured deposits / deposits | 17.41% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.21% (p82 of band) | |
| FHLB advances / assets | 6.95% | |
| Tier 1 leverage | 8.94% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -21.65% (p21 of band) | -6.57% |
| AOCI / equity | -0.65% (p38 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.17% |
| Net interest margin | 4.11% (p60 of band) | 3.93% |
| Efficiency ratio | 65.01% (p48 of band) | |
| Noncurrent loans | 0.29% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 551.75% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 10.76% (p39 of band) | |
| Auto loans | $3.4M (4.20% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 21 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 0 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | charge-offs p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | loans exceed deposits | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 3 | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |  |
| 2018-06 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 3 | reserve under noncurrent |  |
| 2019-06 | 0 |  | loans exceed deposits, uninsured deposits leaving, reserve under noncurrent |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | uninsured deposits leaving |  |
| 2021-09 | 1 | capital falling | uninsured deposits leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2018-11-01 [Black River Falls woman charged with bank fraud - WEAU](https://news.google.com/rss/articles/CBMinAFBVV95cUxOM3JyeHl6QTRkRUk4Nko0dGNBbXNhVXJ1X19Pci1ubWhIVnNvTzVqcVRmTnhTekRzQlFfNHFuNWRrdFVrMk90UWFJM2dBeF8waWRQMnZESTBXaEN0UFM0bVZuMzRGWkc0VmJrbXUxQnJyS01IY2xaX2VRN0dPNlpqbE1lb1JfLWNrTHE4WmdzbGFNT3k5T25KSm1OUWLSAbABQVVfeXFMUEpQZEE4a2M2Ynl2NVE1MnRhcHhFVVNXVjBERC1TaHlJejV1RlFpSXlpUXRfeFo0TjV3ekZPbE9zMDhQTXlMLTVkblB1YmNUZWJmc1E0UEVuMnEwSnFUcFVjQTYzUUEtM0tWc2VNTlU4bWpXczlXWmd6eERydDViTzY2b3RTSkNPdXBRSlBfeW0xSjhXa3BWNTY3Z1hOUnhyak5LX05RcDZLSm5rbnc3RXY?oc=5) · WEAU
- 2022-03-17 [Janet Stephens Obituary Mar 17, 2022 - cremationsociety-wi.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE8xaWpZQ1lvSThTTmZmSldja3dxMzBxSFpsRlJIU01VS0dwU1JIN0dqWmRBUGFwc3d3MVN3bm9CWmhaa2FwcktocEtfMnY1ZHZIQms4S3BEY1YyT1poLWhVQ2dRY1BLNjJLdEpjVmVR?oc=5) · cremationsociety-wi.com
- 2025-08-26 [James Holt Obituary (1935 - 2025) - Black River Falls, WI - La Crosse Tribune - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbGlOT3l1eUJNc28tYWEzdVBnenlpVXZ6UTc4R09FcW5BRUNmXzRaalBneVBfUnlySldxMW9Xa0g0SFZzYXlTcXludWxTMzZVRkNnVEhsUE14MDVkTklvTEJXUUJBLWo2NThWR0V5VHlqX21hQWpWaEhEcG1nX1diS3NVMlJxQmhUWjEzVXh6OUZzVUE?oc=5) · legacy.com
- 2017-11-30 [Governor Walker Appoints Richard Radcliffe as Monroe County Judge - Urban Milwaukee](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOMkpDQVQwbUo0RkhjQXNQRmlIYm5LaV9SaWdTOHNGWXNqRmFEWTlNamZjSW5jM3RZbWc0QUpNcHFpQW9NVFNyM0VTT3BuNDlJZkNqRkszTG1yT1R4NXNzM3l4Y010RTA1NVZfQXdvUWhjTmdDMV9ORGZLRjBSbTk0YUd1LUlvTDZuUDJTWXV6RzZMdFZscnNHTVZmTUZvQnNlcnAtTU5PcmJSQQ?oc=5) · Urban Milwaukee
- 2026-07-20 [Boys & Girls Clubs of the Greater Chippewa Valley to hold Lemonade Day on August 6th - WEAU](https://news.google.com/rss/articles/CBMipAFBVV95cUxPWkRsZHgyTEhidVlnNlVsT0FhdHQ1bElOSk5lMkVwcTc4emJtd1d2VmVoeGJTWDItMTZVYnBIM3c5ZDJtNE1tRk9LaS1YQzZRS3hkUVprR1Nic2FnblZ5cld0Tk90Mm1sR2xLSEc5YThYSlV1akJCcWFmb3VwSm1ORmg1WnJKbTc4SmtRX1ZCN0VGTmRvN1pabkIzb0haNTVsYXdOZ9IBuAFBVV95cUxOcjRoNnlsV1NkSHRYUmFuZDB3RlBhZ1ZBNEtmdGZ6TTdSVlAyR25NbVV5dXdiWV8xNjE4eDZoOU52bmlhTWNLN1hWV0JTYk5vSVpMdnVDMmw4bllIVVdVQ3IxTnlSU2RwakNDZU43RlJQcnJDUktCNENBN2dBMzFNS0xub1dZeDRGRmR3Rmc2V2tGaGQ4S09FQUZTZHhRRHlSS3ZnQnlOZ1B4YmUydUpmWGNjNHRobnoy?oc=5) · WEAU
- 2018-10-10 [Drug-related charges filed after home invasion call - Leader-Telegram](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNUVRHTW9JZVhRZDBLaVFsV29TWXJVazZsWFBDX1J2cFVCVWFhazRKS09GcWRvT2Zkc1FscTJKejVZeFhJazV3TnVWSUFRMDBIX1pjM0xBYVlWM2dhTnlnekdzQ1A0ZzNQRm9QMTVOd2w5bnh3S3lfUjF3Vm5aTlA4OXFtRmZrVDBpbmM4UW43S0kzQnBsd2h6b1Vaa3lBVmdfOUFLR0FBdTFCeXA1QjNMOVRSUFZrLVJ4dWdnTUdkNmxoQU01dDlEQXg1VGVhUVVkQ05yMXZtRjRGeWcyTkNoRHJ3Xzc?oc=5) · Leader-Telegram
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-01-24 [Judith M. Radcliffe Obituary (2025) - Norwalk, WI - Torkelson Funeral Home of Tomah - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZHQ3MkptdWxVLWhsYV9CX0Fkb01PLUZFREN5WHlpdnM0R2dDUWJmT19OSlpZemxBMXlsYV9mc3FzRXo0eDFjdERGdzk3QlRQc2J5RGJ3YlpDMjZudm1BbjdqQkhOeEc4d1hYMXpBWW9zTS1NNFhQM01BQURaZi1ZdFVVdFRBdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15152 (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/48.json (key "15152", 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