# FARMERS EXCHANGE BANK
NESHKORO, WI · FDIC certificate 15189 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $55.8M | |
| Deposits | $50.0M | |
| Loans and leases | $29.0M | |
| Total equity | $5.3M | |
| Loans / deposits | 57.16% (p26 of band) | 73.15% |
| Liquid assets / assets | 42.38% (p68 of band) | |
| Uninsured deposits / deposits | 4.66% (p10 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.10% (p21 of band) | 10.64% |
| Unrealized securities loss / equity | -0.21% (p25 of band) | 0.27% |
| AOCI / equity | -1.66% (p8 of band) | |
| ROA (annualized) | 0.63% (p36 of band) | 0.82% |
| Net interest margin | 0.31% (p1 of band) | 3.64% |
| Efficiency ratio | 15.10% (p0 of band) | |
| Noncurrent loans | 0.89% (p58 of band) | 0.67% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 162.65% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | NIM <2.5%, assets shrinking |  |

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

- 2015-12-21 [Hometown Bank, Farmers Exchange to merge - fdlreporter.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPdFVfb1NCTERBMEtBSGlQM3RSbGZFTERBX2NqMmV3UjBXUVRKUWtEWlJSTmRhdU5UX3k1UUl1cGxwNW9xU25ZT3RtM2pJbkNrdV9URnBSREZ1UWIxcWtwVlRxV1lfSHNVOHlyR1lJMnNYeUxzQTJEdlRnTE0wc3M1bHRQTTBZLXpfOTlnSHVuc2J5YW5JUmgzOXQxb0ZOdw?oc=5) · fdlreporter.com
- 2024-02-29 [John Elton Schultz Obituary Feb 2, 2013 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9UNUtScTBSaWxTMXl2RFlhWlV1S0IzYTVjZHptVlZ6ZFpoM0Q0eVRpUC1VMGgtVHRjZ2h5RU81MkFEWEFjR0NlckExdkNVTGYyOWlYSlo5TGJ0MzlEU1JPY2d1ZzRBSF91dW5NRA?oc=5) · Konrad-Behlman Funeral Homes
- 2025-03-26 [US local banks sign up to Temenos T24 core banking cloud - FinTech Futures](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYmVnc0djYi1SdHN0cjZkd3ZSbElSeGxFN3VjVF85VlRFYmlENU9rM3BrNDZNREM5S09EWUp4MmhORnFXOHhXVkJlTmozMUw1MkpXRjdDXzc3WTVwTzFtZ3BTYkVUTDZ0MXQ0eUhCMkoxQkhIUXFRY1RMNFNlNXRDckpJZlZKUU1rS2FxMlFQN3hIQVRmdHl1YnB1M21zekM4bzkydGZUb3NFSTBvNHVtVg?oc=5) · FinTech Futures
- 2026-05-13 [Alabama community bank to introduce digital small-business brand - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzhNNWVzcWxSSmZWWkRveHB3cENIb1dpYlhEUFNwU0RRSnNMYmZfTUFLNk9RdkUwUUlScU4ybVVrUjEtSzBlTXZwbzNCZ1NnaU5LLVN1MFpoLThMRjN3eU5PUXVENkhvUnlkODU3c3RhQjBrbnR0REM1dzZVbEdoTUxLRkF6UmdIbUQtZktvLVJSd2ZtaW13MkVNT0diaXhSUUE?oc=5) · American Banker
- 2017-11-09 [Bank president indicted for buying high-priced items with bank money sentenced to federal prison - FOX6 News Milwaukee](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOWm4yS0R6Q1ZMUkdfM3QtdkFUcTBVWUN3c2tMeW5jSnY4OVlVQ3hKS2lxN1N2Q0xKdjN0aDZmcGxwSnRZME1Ednk3TUMtUmxQNUhvNUo4dEd4cDBRYlZJMUVsQWpzdk5ITmdvZ2tnZWlaeWlSVmE1eFVKeFJPa1lrS2pCSU5NalFwcjZOclotNHRVNFRpczlxUHBzMjFzcDUwcU13dHJTMzJ4cnpHNGMza3BsV0cyY0lOeXRCMW5pNkhRYms?oc=5) · FOX6 News Milwaukee
- 2016-01-13 [Glimpses of the past: Jan.14-20 - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVFlIaGQzT1JMdFZMeUZZQm5KMW1ZY2kwaWRvVlAzaHlUVU02UUxRZ1M4RGpVRTk3emVBM3RWek1OQ216cUhHSFljeFExT3l6bVB3bzBHd0oybHlZeDVmOG9OZF9hNHlicjBuRkQzcGQ5MEhjZ0Y5T2Itek82TElDSHRJdkZBTnpIUk5UV0NFMFRwYTMyQmc?oc=5) · Green Bay Press-Gazette
- 2019-06-21 [Donald H. Kemps - The Post-Crescent](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1DZXVLU3pDZENsVGdxVHp6VE43bGQ2eTJ3R0dncUFybnB5QVYwVnE3OGtXV3JhMzhCNXJFWUxRX1BZSHNKMkZYZ1BQQ2xsa2JpSlZVeWVmUDAwT0M2MEE?oc=5) · The Post-Crescent
- 2025-07-31 [Harvey Duane Reilly Obituary (2025) - Wautoma, WI - Leikness Funeral Home - Wautoma - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPLUdWSFVuaU9aVk1uUUFOcXgxOVV5a3Y4ZmxYODFqMWZQTXJtYTB6WFF3UUpFNWg0QTZadFc3NXB3T1BCM2NyM3NMSjZsT3Z2d3lscFVxZGxkZjNDTV96V0VlcmRGekRKNk00QTB2Qk9fZmN1TjV0UThOYUVJVnRyZnhR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15189 (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/21.json (key "15189", 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