# BANK OF WOLCOTT
WOLCOTT, IN · FDIC certificate 16201 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $280.3M | |
| Deposits | $234.2M | |
| Loans and leases | $143.4M | |
| Total equity | $29.5M | |
| Loans / deposits | 60.23% (p30 of band) | 73.59% |
| Liquid assets / assets | 47.36% (p75 of band) | |
| Uninsured deposits / deposits | 39.23% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.41% (p74 of band) | |
| FHLB advances / assets | 5.35% | |
| Tier 1 leverage | 12.01% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -18.28% (p25 of band) | -6.57% |
| AOCI / equity | -1.06% (p26 of band) | |
| ROA (annualized) | 1.69% (p76 of band) | 1.17% |
| Net interest margin | 3.34% (p23 of band) | 3.93% |
| Efficiency ratio | 51.54% (p16 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 375.20% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 0.38% (p19 of band) | |
| Auto loans | $472,000 (0.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 27 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 | deposits shrinking | uninsured deposits leaving |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-03-16 [Wolcott Bancorp Reports Strong 2025 Earnings - Newsbug.info](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNbGROOGhhbjlQMDFsZ3BLdTlsRFJjdVV6MDJ6TndRM0VWakoxU25IcGI4RkV4VzE1TmdGQXlyLVplQW9TQW1JdUVNS3NpSTl5WGhLdnRvT1lnQTFsVXd4Rm5XLTJZR3YtdUNJZEhrVjFrdGdSaG9ZeUVIMXVCWlRfT1M1T1lMUGJMNVVZR1hpbGpRbm84N0xaeXRXMGZfMlNJckNacDZSdWhVeW5wb1F1LXJnbTh5QXZEZ3BSUjJwcHB3SGFIWGM3UjB5dnk3QjE5SzhtSWc3bGJCM2lVQVQ4M05WNVM?oc=5) · Newsbug.info
- 2019-04-14 [Obituary for Robert S. "Bob" Nordyke at Hartzler-Clapper Funeral Home - Brookston - Clapper Funeral Services](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5JbWljaXF5Ty1CTjhDbEpBVlVEU3cxRmduQmMyaE1vTnhKWmdCeXU4NE5VWXVGTC02TXFURmFVTUJ0VVJsU2ZuWUJhaWlmSnhUWm5IUDNBX3NLTFVhbEd6OWlYWGRCdw?oc=5) · Clapper Funeral Services
- 2022-04-13 [Professional Briefs - Carroll County Comet](https://news.google.com/rss/articles/CBMid0FVX3lxTE5LT1R4QW9ETkZLbzhfLVhad0dLR19TVXNlY2RsVkI0WnBEVEk4emwtN0dIVWdUaGphV0locmJxU1htdVdMRThidGhHS3pMSnhkcC1ZTVgzNHRDNGlZX1JHNFkwb3FHMzA3aW1hcGFWZzB6OHNDVEV3?oc=5) · Carroll County Comet
- 2021-03-18 [Wolcott Bancorp reports strong financial results - Newsbug.info](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQX1l6eVNFcDB4eDhMcnAydTdlaFRxajhSenZGRW5rcmpmeEhkMWlHRURMTFFLLW5GMUlPdG85RHpYNHkyaVNyTEs0Q2w1MUxVZWZaaTJuR1ptSlJJWVkwZU9kamJhSlNJN3RTQ282Z3B1eFBaNlRieGpGeTc0cEdKdG84VUgzckFlR2tvZ3VaSGZsb3NhWU9fZk1KY3NMRG1TM2Zabk85emR2bjJOakVraTlkXzFSSU96SG5PSDlpb1lrcHFqbUZxQWd1cndLSnZHZlV5eU9CQXpSNG4zU01WY1A3RGVrWmxZZnlCYll6S01jdw?oc=5) · Newsbug.info
- 2021-05-17 [Wilma Clauss Obituary (1930 - 2021) - Wolcott, IN - Journal & Courier - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQR2pscGc0ZmJXa0g2bkJDY3RVUzNYektHVkZuN1VKMVBKLUdWbTAzTHdMUjV0UVMzTFRMY29MNER2QUlxMHJrME5mZXh4T1BtR2pWUHZNTDNUcnJFeE1zSWRZQVk2M05QbzBKdDBPdmN0RWVVV0h4RXJxT05mc2hHaUl6THY4TkdDU1BXNg?oc=5) · legacy.com
- 2019-03-20 [Wolcott Bancorp reports financial results - Newsbug.info](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQYnQ2LUhpbktZa1RQWGRUNXFsbVRyU3RBWHlnZFdhT1AwUG9CenBFU08xYkJuaFVfdnU3bXBONlZhX1FEYkpaWWlTbm5FVGs5UDVBQjg0SEp4SnBYRFQ4ektnMHZXWW1YdmRfb0VBTURYeUg0TUlXaGYzeVE2SHpLWXo1UWhfa0gweVY3aEpWVzJVVWJkaFdBQ2xpSWkxRXFXRTM2cm5BdUlTcTFvZnE2aHFnRkFPMURLUWpDZkxVWHFIYlRIU0dtM19KMk5hVFMtdHRqUVRjdjFoakRaTUhndTdycw?oc=5) · Newsbug.info
- 2021-10-09 [Carmin Anker Obituary (1935 - 2020) - Wolcott, IN - Journal & Courier - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSmtNYUNiZFlZNVZ6RklHdE13MDFnbnlaVlBYZV9lSGdwaEpVUDdrTXEwcDZnd2x4S0FBWlJBUkhMYTJpeGRYNEw2SjFYVVFMend3aUtKYUFzdGY3dDItVkFYTVBrbGNTdGJVNlZRZk9kbWZMTG1tcnlQLVdpMEJXNEhUUmdCMml4RmxV?oc=5) · legacy.com
- 2010-05-22 [Police arrest loan officer - Newsbug.info](https://news.google.com/rss/articles/CBMizAFBVV95cUxPTmx2V255czFBd0UyempxU1pqdFk5b0JraDNZZGFScUpPaUFuVUpJb3NSZ3BTV25uLVA3Z1BMbHNCVi1ZcmVoQ29OLV91cWJiYjVTQXNGcGVla25HMV90RGhLNFc2QXA2ajZ3MWxHTW5DTnBjVE1Oa09QeVVoOG1Oeks4dFRqQ3AyRnR4SmJaUkVTWFd3SHlzTTZLSmlETHdSMTJaU2xPVzU5a3JBeHFyWGIxQzBlemMtcngwVEtNTUFwVno1TUppSzJ3anU?oc=5) · Newsbug.info

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16201 (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/9.json (key "16201", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide