# WALWORTH STATE BANK
WALWORTH, WI · FDIC certificate 15231 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**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 | $275.6M | |
| Deposits | $241.3M | |
| Loans and leases | $176.1M | |
| Total equity | $28.8M | |
| Loans / deposits | 71.99% (p48 of band) | 73.15% |
| Liquid assets / assets | 34.44% (p54 of band) | |
| Uninsured deposits / deposits | 23.05% (p81 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.59% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.34% (p45 of band) | 10.64% |
| Unrealized securities loss / equity | 4.62% (p91 of band) | 0.27% |
| AOCI / equity | 1.49% (p96 of band) | |
| ROA (annualized) | 1.93% (p93 of band) | 0.82% |
| Net interest margin | 3.78% (p58 of band) | 3.64% |
| Efficiency ratio | 53.80% (p8 of band) | |
| Noncurrent loans | 0.50% (p44 of band) | 0.67% |
| Net charge-offs (annualized) | 0.10% (p73 of band) | |
| Reserve coverage of noncurrent | 272.99% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 54.41% (p83 of band) | |
| Auto loans | $4.5M (2.58% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.3% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |

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

- 2024-03-22 [2022 Campaign Finance Profile - Tyler August - Wisconsin Democracy Campaign](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNaDJINkM1UW1nLWVXaFBzcU5ERHBrblY0NWYwcW5EbHJIYkRBeTRITzRQZG0tekZaYlFiMWs0c1N0blVJcm05d3JBaHA4aUxHU2wwWUdFaEIxVXF0Z1RqcHZJV2NVVXhidXQyMUtGYUphbHNkaVY3NHZ6WXBaaTJEdXdJU1Z6SmxmNTJ5QzFmOHJBMWlmbWpxZGwtOXBoMFJ5ZTcwQVA3dFEwSUlJY04zZ3hrNDVYNzg4M3JmdF8xVDYwZ1lrdl9CYVo2MXlXLWJibzlPN2dSeWpWaW41ZEE?oc=5) · Wisconsin Democracy Campaign
- 2013-10-29 [Serious crash reported near Delavan - WISN](https://news.google.com/rss/articles/CBMifEFVX3lxTE55YVRXS3BYV2ZseG9SbVNYTjZPeVpKR2VrRkE4S3NtcjFIRDFJZm5HaGY0Smo1aWMtbk1xNC1FYlg1SVBuamRqM29BQS14RGgtbTFQeV9rb2w3ZnVTZGtGMmhTUTRXbFNfUDVQX1BZUE5iSmFNbTZ1U3RVRU8?oc=5) · WISN
- 2016-06-25 [Jeffery "Jeff" R. Patek, Walworth, WI - GazetteXtra](https://news.google.com/rss/articles/CBMivgFBVV95cUxOUjF3YXBjRXU3TUF3N1o0ekJYaFFKVzlURVhHWjJ2QVliQlMyVWp0U0RsT1hsa00zekVvUHpaNWREZ0xrZ2VmSzB0VGlwSG1uSHdob2x2UjVreUphdFJQa0lkRDlwUUtyZnowMzRBanV6VUo3M1hxM1N4ZnJrWUF2R21ES256NHdIVVB5dkZ0NjhPWGhEUF9DaXJFdVBDdU1iM2pFMXJQMU05UG5zdFRIR0JXNWpYdTZNTmZUZWdR?oc=5) · GazetteXtra
- 2013-10-29 [One person killed in Town of Delavan crash early Tuesday - FOX6 News Milwaukee](https://news.google.com/rss/articles/CBMijgFBVV95cUxOOWREUkN0Y3N6QU1Rbk5lMFk1WEEwMXVoMHdTZ3lMZ0k5NzM2TDlVSUhqUHNPUTdlUWpVVS15YUlKc25PVHBFMlV5dEhHclRPQ1N0U2RQWlNPR2dWTS1oVWtxQ3dtU3Exd2RaU2RvbTVBaTlVLXFWMFVBOGFYbVRfYXhaeDY4ZDFMb2xzZDhB?oc=5) · FOX6 News Milwaukee
- 2025-09-29 [Robert Marshall "Bob" Rauland | Obituaries - GazetteXtra](https://news.google.com/rss/articles/CBMitwFBVV95cUxPT3BvSmdXc0hkdHdfXzltZTI2ektrN1BzTF81Qms3eWRWZFBScEFsODA3V1doOG03a3N0R2MxRDlsNnJsSW1ULUp2X1BrTlJBMGZkbXZqckoyeVRjTm05WWhfdkhDVDdxOXdnT0JmbUpmMmNCLWtFNUZ1bkIteFJzYWxSVzhqeDBYQXZFVGVZUXNocWpIcTlLQ0Nzb1RxeVVIUjhQQWU5ZFlIclY3WlE5RzVhcU9pTmM?oc=5) · GazetteXtra
- 2014-07-25 [Kyle R. Hines, Walworth (1980 - 2014) - GazetteXtra](https://news.google.com/rss/articles/CBMivAFBVV95cUxQTGpaVmJmaGF3ZTN3N2g4ZEdaQk1jSUN6X2J6aVZEMDdsVHczUzBpV3AzMTJGY0tjOWJOR0F0b0xuaGozZXF4RWxROGRkbDZhS04tckYwNzJTb2U0ZHRpamdDcEtBNnY5M2E3SUhEZEtuTWhrRll3VEJBdXBuVmw3OFlWclFZTTAxM20tVzZOSkN6U1doR3JtN2ZDOFEyNURhQmtiLWRnRVhWcTR1Q0FoNGNremJWV2hfR1paQg?oc=5) · GazetteXtra

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15231 (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/63.json (key "15231", 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