# MARATHON STATE BANK
MARATHON, WI · FDIC certificate 15887 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $98.2M | |
| Deposits | $91.7M | |
| Loans and leases | $20.6M | |
| Total equity | $6.0M | |
| Loans / deposits | 22.45% (p3 of band) | 69.20% |
| Liquid assets / assets | 77.98% (p97 of band) | |
| Uninsured deposits / deposits | 10.85% (p62 of band) | 8.50% |
| Brokered deposits | 1.43% | |
| Wholesale funding | 1.43% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.91% (p3 of band) | 10.13% |
| Unrealized securities loss / equity | 7.04% (p70 of band) | 3.81% |
| AOCI / equity | 0.35% (p51 of band) | |
| ROA (annualized) | 0.54% (p34 of band) | 0.80% |
| Net interest margin | 0.85% (p1 of band) | 3.77% |
| Efficiency ratio | 53.05% (p10 of band) | |
| Noncurrent loans | 0.39% (p26 of band) | 1.27% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 6.25% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 1.01% (p17 of band) | |
| Auto loans | $257,000 (1.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | leverage <7% |  |
| 2012-09 | 4 | reserve under noncurrent, assets shrinking |  |

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

- 2025-08-28 [Robert C. Goldbach Obituary Jan 25, 2007 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTFBGZElldFgtVlFqYVhsR250OWd1YzR2UEVmc3RGRG16X0tXYnpvNEo3aXpCWUFDQkxwbTVHUG9uX0twazRscXI5Vjd1Qld0cUIyRzlILVhncHQwRGVjLTNYeDBzSVlsR3V3clE?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2023-11-27 [Wausau area obituaries November 27, 2023 - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZ1VZeFFSdlVKOWd1V2U3SmNseUJvTW1FT2M0T0x4cjJBd1BvN0h2NkNYbUhQQ2ZEQlBuaFhrQXMya0UxYURQNkUtdTYzYUs0LXd6ZlB5WUc2Rk5BY0gwWkF2SEJKQWx3TklTbXlLQ3gxR3Q1ZkFOTUZyVE9lZ2E3dHZSd0hNQ1JJWWNPNQ?oc=5) · Wausau Pilot &amp; Review
- 2025-06-29 [Allan L. Crabb Obituary Mar 15, 2008 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiZEFVX3lxTFB6MDZ2SDV5UWMyV01vYThkMmRyc0VNa2xZQVFlWmRQaEdsVm9TRmFSU19TbEREcEVMY215ZndZWGtfWm5uRjdON0R4a2xMYlJrNTdvb0p0Rm5JNWx2YV90Ui1SS2Q?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2021-05-27 [Lawrence Lohr Obituary (2010) - Marathon, WI - Peterson/Kraemer Funeral Homes & Crematory Inc. - Wausau East - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQdzhuWVVha0QtUjJxWmVNSGxpMnYwUWlBZms0aVlaV0xVcllNTWRtbEZCdzNVOGZHMnozbHFTaEQySExGQVpaZnJVODFLcEdsY0RTdkRRQWl5VExIV29KWVJVdi1oOVVyQ3FZYUk5N3o5ejcwSS1aNFJYT0ZtTFplQ0VFV2g?oc=5) · legacy.com
- 2025-07-19 [Ruth M. Tessmer Obituary Oct 24, 2009 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiZkFVX3lxTE44UWl0OTdQWkt1WFZEVmN4Q0lQOUtZcldWNmxNY21SeUVnRHB2MDhGWHFKMXlKbWlySl9fZWo1bnpCc00zenBlbU5SYkRLREZqWVFIY19pNHJ4enVKQnhQY2VjTzFjdw?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15887 (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/15.json (key "15887", 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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