# BANK OF KAUKAUNA
KAUKAUNA, WI · FDIC certificate 15228 · 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 | $176.3M | |
| Deposits | $152.9M | |
| Loans and leases | $132.1M | |
| Total equity | $15.3M | |
| Loans / deposits | 85.43% (p72 of band) | 73.59% |
| Liquid assets / assets | 20.35% (p23 of band) | |
| Uninsured deposits / deposits | 46.53% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.69% (p67 of band) | |
| FHLB advances / assets | 3.69% | |
| Tier 1 leverage | 8.90% (p9 of band) | 11.76% |
| Unrealized securities loss / equity | -6.17% (p52 of band) | -6.57% |
| AOCI / equity | -0.73% (p35 of band) | |
| ROA (annualized) | 1.11% (p47 of band) | 1.17% |
| Net interest margin | 4.15% (p62 of band) | 3.93% |
| Efficiency ratio | 74.96% (p70 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p79 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 95.16% (p93 of band) | |
| Auto loans | $49,000 (0.04% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 45 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | loans exceed deposits, charge-offs p90 |  |
| 2011-09 | 5 |  | charge-offs p90 |
| 2011-12 | 7 | losing money, noncurrent p90, charge-offs p90 | loans exceed deposits |
| 2012-03 | 11 | loans exceed deposits, capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 11 | liquid assets <10% | capital falling |
| 2012-09 | 9 |  | deposits shrinking, liquid assets <10% |
| 2012-12 | 8 | capital falling, deposits shrinking | charge-offs p90, assets shrinking, uninsured deposits leaving |
| 2013-03 | 8 | liquid assets <10%, charge-offs p90, uninsured deposits leaving | brokered >10%, capital falling, deposits shrinking |
| 2013-06 | 6 |  | liquid assets <10%, uninsured deposits leaving |
| 2013-09 | 4 |  | construction >100% equity, loans exceed deposits |
| 2013-12 | 4 | capital falling | wholesale funding >15% |
| 2014-03 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2014-06 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2014-09 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2014-12 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2015-03 | 1 | loans exceed deposits | charge-offs p90 |
| 2015-06 | 0 |  | loans exceed deposits |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, charge-offs p90 |  |
| 2016-03 | 2 | wholesale funding >15% | charge-offs p90 |
| 2016-06 | 3 | brokered >10% |  |
| 2016-09 | 1 |  | wholesale funding >15%, brokered >10% |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 4 | brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2017-09 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2017-12 | 1 |  | liquid assets <10% |
| 2018-03 | 1 |  |  |
| 2018-06 | 5 | liquid assets <10%, noncurrent p90, reserve under noncurrent, assets shrinking |  |
| 2018-09 | 3 | charge-offs p90 | liquid assets <10%, noncurrent p90, assets shrinking |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 2 | capital falling | charge-offs p90 |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | brokered >10% |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 2 | capital falling, reserve under noncurrent |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 | uninsured deposits >50%, capital falling | construction >100% equity |
| 2024-03 | 0 |  | uninsured deposits >50%, capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 3 | uninsured deposits >50%, capital falling, construction >100% equity |  |
| 2026-03 | 0 |  | uninsured deposits >50%, capital falling, construction >100% equity |
| 2026-06 | 0 |  |  |

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

- 2025-10-02 [Arlene J. Hardtke - The Post-Crescent](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5DbFBrMmQwZVBSeVowTWRHaHNlV3ItanRWMW91czNfZ1ZjTWxOblN3VWNyU3FnVl9FVmYzSnNmcjZFdE03RmxzcHZwVUxkak1WblNsMkE2ejh6MkdNNW5ZcA?oc=5) · The Post-Crescent
- 2022-05-11 [This Green Bay fintech company wants to bring crypto technology to your community bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPOUhsZ3IxbWNxdlVYcEVBVjJkZFpEMWlROVdRbktDNzBBWlBaRXp5bGlxNWFkSTZNUTZlZG5zZWhqMUpfUnBiU3pHOVlXNDBUTHc5SkVnVkhrMjFkdEhMQjBjTG1wY3NMNnBDcE9sOGlQb2s1aUx2WEpvajhmdW9NWktQYzZTcmdDeEZSNU04c1NsUGE3bHNqdDdKbUpxODV3Y1RTbWVQUWp6MU1HdnJnbll2NGM4UU04Zmh2WUNSU3Z5M3U0Ni1iWEFjUWZsLTIyNWc?oc=5) · Green Bay Press-Gazette
- 2025-02-04 [Discover Northeast Wisconsin’s 18 Counties - livability.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPWjI4VzFRMnFpRVEwNFpzelpKcTNjOHk5ZG5tZ3U0Ul9CS21zcjVWMHAxelZ1UHRxZHpObDktUXh6TC10TG9NUlNidmtfQV82NFZ0UnFjY1BkSWFIbGxVaGlDNXF6SUxiQUNjQV9qWkhEbl8xaU4xOG5FQWRGbmF2c1pIWS1BUUJ0c2tucjMzdnJJZXItRUN5NkJoQS1jdw?oc=5) · livability.com
- 2018-12-11 [Associated Banc-Corp to buy Huntington National Bank's Wisconsin branches - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPalp4ODNqU0Rlc0JuRkJOeEhNQWxHMjQ5Z3FtSm1sOEpRMTFsQmY5Q3Z2bGk5TkdUUjJaX0EwRmhma3NaUXFOek12ODdaNm1VczZfejV3LUtGZmJwWldOQXZlMEFUalBqczlNZG9NMmh6aFV1OWhzUmJuci1pNFF2YTQ5UFNPRkRocGdaOE11RzVaNWFHb1IxbElGV3h3ZE4tVnp0YmNwWHphWm1XMXFNWVFzLU04ZlFEWGtrYjFyUjRIUQ?oc=5) · Milwaukee Journal Sentinel
- 2005-05-15 [James D. Brogan Obituary May 15, 2005 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE41dXFWYkI2Nm82cUhpSWx1NTUxR3lfcEFJeGtjVWRuQ2F6TGN0bXlGOUc1NGpKUE4ycDdHMWNiVHZycTdWR3ozNzg2STFZUHBKalFfX3lLMmVaeHFxelI2bEhtcHc5b2xUV2xMYU5rcw?oc=5) · wichmannfuneralhomes.com
- 2020-07-29 [2020 Kaukauna High School Walking Graduation Ceremony - The Post-Crescent](https://news.google.com/rss/articles/CBMixAFBVV95cUxPdFl3LXBZcnRkZGR0N2ZFUW1EbTlqcEVrUGRlSzV5dTU3YTEzb1EtdjQxN0xXODRLdHNpMlM0YmxOcEprU3dDend6SE9BbTdNTDdXQXlkWFV5a01tS3VuZDUzOXV6dGRKV0k2clBHcWU2dHhLLUNBc1F6R1BoN3lkaGUzTGg4ZUVpQkhvZkdOZ1NIdVZxaU56RmJWT3RKS3U5VlZVQkhSdnBEd3FLaEhva05EOE5hUjJhb0o3NnBGQ0xSaGk3?oc=5) · The Post-Crescent
- 2020-08-03 [Fox Cities In Pictures: A Weekly Gallery - The Post-Crescent](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRUwxaWtfZXBSQTZjc0pmdUpQRUd2R3h4QWxkdU55amhjN2pPUVN3Qnc5ZWEtcmhQcFkyZ1FLNzBVQlRFOEdFMUhRcVlBQTdfYmxtLVRERmEtTzQxNXlfQ1ptRXFwOWdYelRoQVN6SlI2R2hxUmx2TTBaX3RyUzJFWUNWcmJmMjdpS3FKMjdHc3lIWVBfWUoxWUt0ZkxBTm5QcDZhV1poYWUxOVU?oc=5) · The Post-Crescent
- 2021-05-14 [The second-annual Kaukauna High School “Breaking Boundaries” triathlon - The Post-Crescent](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOdE9WWEt1MlJ5cUV0MVIzbzdqaFVSN3lHS29kWmp1WHV6blI3TDNVRnlmOVlsRkZXdzZRd2E4LS1hbndPdVZfX3JmSmwxSHFhTjlPWm9EcWt0cWNKZ3NFRnRuZ0VqbFJoXy1VRGk2YUEyemVjMlM2ZkVsRVRja3VFTFBma0FnYm82azV4dE1NQ3NqWmhUTERCVDVXTUV0SFBfMjZqTHVadHhKVHp0WDRvRWpRZ1NsZm93b1cxa215QkNLTExEdEhnUFJfZEE4WGJxbDg4?oc=5) · The Post-Crescent

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15228 (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/60.json (key "15228", 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