# STRATFORD STATE BANK
STRATFORD, WI · FDIC certificate 15174 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**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 | $111.2M | |
| Deposits | $89.1M | |
| Loans and leases | $58.8M | |
| Total equity | $14.7M | |
| Loans / deposits | 65.01% (p35 of band) | 73.48% |
| Liquid assets / assets | 42.04% (p69 of band) | |
| Uninsured deposits / deposits | 16.46% (p58 of band) | 14.60% |
| Brokered deposits | 15.55% | |
| Wholesale funding | 20.86% (p96 of band) | |
| FHLB advances / assets | 5.31% | |
| Tier 1 leverage | 12.37% (p70 of band) | 10.87% |
| Unrealized securities loss / equity | -1.45% (p29 of band) | -0.29% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | 0.60% (p33 of band) | 0.83% |
| Net interest margin | 2.93% (p16 of band) | 3.63% |
| Efficiency ratio | 69.61% (p44 of band) | |
| Noncurrent loans | 1.64% (p77 of band) | 0.63% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 90.96% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 14.69% (p48 of band) | |
| Auto loans | $946,000 (1.61% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 2 |  | reserve under noncurrent |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 4 | reserve under noncurrent |  |
| 2015-09 | 2 |  | charge-offs p90, reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 3 |  |  |

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

- 2024-09-23 [Thomas E. Stack Obituary - Marshfield News-Herald](https://news.google.com/rss/articles/CBMia0FVX3lxTFBUSVdrYXhkUnU0UjR4azY4WFEwa24wcW5hY3lCdW5UbGxuX1h4WFpaaE82NGRleHE4Y2VVXzdvWlNpSzZaOENzMDZQNDFjMVVDaER0d0RpU0w4WmFQTnFXQlVkV0lXZlFfYkdR?oc=5) · Marshfield News-Herald
- 2023-08-30 [Obituary for Shirley Forbish - hansenschillingfuneralhome.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9YdU1sUlR6dlZmZURoa3NGa0RyeVRUN3h2NUhXRW54eG95SXdHN0RLZTlVdVFneldadXNrY2JCSVZvQW5iaVFtQWFramhSemZkc1E2aXVBMHhwSUt1Q21MTGV2QVIycnY3YTY0RTlBQm9KR1VRY3c?oc=5) · hansenschillingfuneralhome.com
- 2025-03-16 [Kenneth H. Breit Obituary (2025) - Marshfield, WI - Sauter-Rembs Funeral Home - Stratford - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQRDBVdjdBejQ0SmV5dU1jcVcxV3BubmdYOEhHeUpsb0RWcUJRa3otajRfQm15ekpyUWdDMzlZZ2N2U0VQX2ZQT01SdDgzSzFtbFI3TXdDZEh6MjVLeVhOdy0tMFFCUjROdEtrNzRrZnNyNkMwMHpsNFhKelY0cjZzRlNR?oc=5) · legacy.com
- 2024-02-10 [Richard J Kraus Sr. Obituary (2024) - Marshfield, WI - Rembs Funeral Home and Crematory - Marshfield - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPU016Vm5zNWhuQjY5M0FPNFpWNWJHWjVMbzZQV2FvMllwVG5BZDExTkZ4WUx3bzFmUWNHd3AzS1NpWTlpWERWM2JYb1RGLVlkQWxWVGIxTGtvbU0zcFRsUldaandfay16R1lZTVhrVWQ4aG5jTElybVI1X2ZCX09RQ2ln?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15174 (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/6.json (key "15174", 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