# PREMIER COMMUNITY BANK
MARION, WI · FDIC certificate 15799 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $552.1M | |
| Deposits | $486.6M | |
| Loans and leases | $394.9M | |
| Total equity | $42.4M | |
| Loans / deposits | 80.17% (p46 of band) | 82.04% |
| Liquid assets / assets | 23.73% (p46 of band) | |
| Uninsured deposits / deposits | 20.59% (p31 of band) | 25.97% |
| Brokered deposits | 11.57% | |
| Wholesale funding | 14.28% (p86 of band) | |
| FHLB advances / assets | 2.72% | |
| Tier 1 leverage | 8.54% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -22.90% (p19 of band) | -8.10% |
| AOCI / equity | -0.15% (p63 of band) | |
| ROA (annualized) | 0.57% (p13 of band) | 1.28% |
| Net interest margin | 3.79% (p43 of band) | 3.91% |
| Efficiency ratio | 80.05% (p89 of band) | |
| Noncurrent loans | 0.85% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 142.66% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 30.96% (p38 of band) | |
| Auto loans | $4.1M (1.04% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $5.8M (14% of equity) (p98 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 117 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2023-12 | 3 |  | capital falling, brokered >10% |
| 2024-03 | 4 | brokered >10% |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 4 |  | uninsured deposits leaving |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 2 |  | securities losses >30% of equity, capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | wholesale funding >15% |
| 2026-06 | 1 |  |  |

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

- 2026-09-07 [Premier Community Bank Frog 92.3 Game Of The Week: Crivitz at Manawa Preview - TCH Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQaDJlOWIwSGMza3o5XzlsS0w0VUlLVFpGd2ZZRGpCNnowTUdMUXZZVFdKQXF1RHlCYWFMOFFHTGRBN1JLaVgwRkFnTFR6NHY0aUpmMnRpLWIzUWpFMzMxM01RQkNZUWoyT1BCdHFtNjlkdmpDdUlZM2w2TkRQRHp3VmxKOU05anpIaWR2ZThDM2dBejRUR25VLW14SnVCWV9CN1FQTlFDdUk?oc=5) · TCH Daily News
- 2026-08-28 [Premier Community Bank High School Game of the Week Preview: Pulaski at Hortonville - TCH Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOLW5yY0J4cEpGb29TdE9jYzdPN1E1Tzh3RUFOREc0OEl1Y0dXUGZIT2EzVGF2Wnd3d004a0xZWWoxYzJuX0xpLXhrbTA5eGNucEJpNVBuWkphM21OOVlhcEZoa1Bkd1NrMTdoWkZ6TmtMWDExeHN3S2lOR0NiWU5BQXhMVEtkXzN2emdDZFgyX28taGp0VVhqX2RjQ2RyLXhqQWh4SGRTZ1ZZMjNJbzZvcmFB?oc=5) · TCH Daily News
- 2026-08-13 [FEATURED MOVER: Sean Killen | Fulton Private Bank - NJBIZ](https://news.google.com/rss/articles/CBMic0FVX3lxTE1wTlBMVHZMbHVwelZzT0tlTG5CelB5aDg5ZGFyRnFtMm1UWDJLZjZNMjJEek9jbnZXQVZZYUhRdFZGTHlBV0IxU1RNSm9hMnNmbE5BNHZLWWQzVUxpRzJma283VXB3M1V4LXg3azJDVlJjYk0?oc=5) · NJBIZ
- 2025-10-17 [Outagamie County Sheriff's Office working to identify suspect who robbed Bear Creek bank - WLUK](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNdU5CeklMRmVUNk1XN2ZveElTUE5EVDkzbXBfTHNCSUZreEh0NUZXamY1SVJRcTBkLXZOSXVwOTJFZVRyZDBTM1VCRGZFVjdyVFo5cm5yeFZIZGIweHQ2LTQtaGJSQlF1VmtDeExWMkxQSXNpanRmdE9PLVE5Q2ZEdlhEaWpkY09jbU1DRzA1UGh4RUJVWUpQQzZVNHFjUVlQVHdvOEN6MFV5NWFDTFhtYWtxUDFZZm5mTEZFMW0wNjY3NTN3aWhYY3JjSzVBQXVhckRVNWNWX0h0M1VsZ2RHNTBpbjBqQ1lwOUxRZ3ctdWk?oc=5) · WLUK
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-17 [Suspect still at large two days later in reported bank robbery - nbc26.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5KdnRGWFdqYjRtQksxeUhiVVVCOWZsNFNpOERvbEF2cHB4QjhQOVJ4VzVpaVhnVHcxN1JIZndGU2ZwT1Z3dFFkbHZKRWt3aURYeTNwXzBzWmVsYkJqdTQ1V0Z1SUZ2VExfTmUwYnZUMGpiLWV1di03YmROaHBwVVE?oc=5) · nbc26.com
- 2026-08-25 [Premier Community Bank B99.3 High School Game of the Week: Meet Your Captains - TCH Daily News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYTdRcU1XeE1TbWVWa2xwaEc1NlRnR0I0UE1Pa0ZxYmRWcWxrZ0FaZjdQcW5ZVGZyakNzaEU3eFBBcEtVcndmWkR4QVh3bERUM04zY0ppMUpYTWV1TDAwTmFWUUZIeFRSYmMyc0JKQXBBZmEtOXhkRTNiUkxKdFppYURJNjVsTlN2TmxmdjNiRUFmNXA4ZlpnMnBLVHZDMDFHcHRCY2t4dllFZw?oc=5) · TCH Daily News
- 2025-10-23 [Arrest of bank robbery suspect also leads to arrest of two cocaine suspects - WBAY](https://news.google.com/rss/articles/CBMimwFBVV95cUxORjZtb3Nac3pNUU56UFNfQjdyVDJreHFGemVnM0RsRVFwQUVsX01GTnBaS2dVODIyNHpVQkw1a0JFYVpHMzliZmp0VktXbmg0Wl8xUU1KdHZTWVBzdzAwWkJBTk4wMG1oQnplR0NJSUhnNjA0QTRDT3V5YmJ6ZGxKVHFBbE5na01rS3ZzTk84TzVTM01CZEZQc2dtRdIBrwFBVV95cUxOME5McDYxSmRwekd5Vkc2SDZnTjNLNS1GR05UaERpR2lUaGdneVJVUkppbGpSdkpVaE1rd0l0UlR4a190XzBFOFBkVk1rZ3hzaFlHSzJLVDIxZGlPTHR1WjZlMDc0dTltZDNsVG4xOGxMMXRzZ1Y5bFdYaXFlTDc3MHhyUWdSMkVPeHJXUFo1MVc0MHVfdDc4SmR5MEJTcW5WVFFOMWtvNS1VcnRWcHo0?oc=5) · WBAY

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15799 (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/55.json (key "15799", 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