# INTERCITY STATE BANK
SCHOFIELD, WI · FDIC certificate 17128 · asset band <$300M · latest filing 2025-06 · stopped filing (departed)

**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 | $260.5M | |
| Deposits | $199.2M | |
| Loans and leases | $212.3M | |
| Total equity | $60.2M | |
| Loans / deposits | 105.49% (p94 of band) | 72.67% |
| Liquid assets / assets | 16.12% (p13 of band) | |
| Uninsured deposits / deposits | 17.82% (p45 of band) | 19.13% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.14% (p44 of band) | |
| FHLB advances / assets | 0.14% | |
| Tier 1 leverage | 22.57% (p92 of band) | 11.61% |
| Unrealized securities loss / equity | -1.44% (p76 of band) | -10.04% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 1.69% (p79 of band) | 1.04% |
| Net interest margin | 3.75% (p49 of band) | 3.76% |
| Efficiency ratio | 43.41% (p5 of band) | |
| Noncurrent loans | 0.11% (p37 of band) | 0.31% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 968.58% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 38.54% (p71 of band) | |
| Auto loans | $1.2M (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving | capital falling |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2013-12 | 1 | deposits shrinking | uninsured deposits leaving |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2018-03 | 1 | capital falling | reserve under noncurrent |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans exceed deposits |  |
| 2019-12 | 1 | reserve under noncurrent | loans exceed deposits |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 0 |  | uninsured deposits leaving |
| 2022-06 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2022-09 | 1 |  | uninsured deposits leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | loans exceed deposits |
| 2025-03 | 1 | loans exceed deposits |  |
| 2025-06 | 1 |  |  |

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

- 2025-02-04 [Intercity State Bank announces CEO retirement, unveils succession plan - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMitAFBVV95cUxPTU5feUxlMXFfTVJ1V1doR1kzSGVvYU5JbEN3aG9fWnMyM2RncHBKWVMzOFUyQXBrSWYxQkZpQ18ycTJsd2JOeGcxUVdEVzlFNU5wc19PQWlmM2RBbjYyTVJBQko3eEtfdTk2b3BlMV84TEo1N3ZzRUZSLVRaSUoyRVZFOWllNmpwWVZ2X3ZRMVRrdjhwdGlUUUQzRjlQek0wRWM4UE4yTWZpOG9NMTlDc0NnRFg?oc=5) · Wausau Pilot &amp; Review
- 2025-08-01 [Intercity State Bank merges with One Community Bank in Schofield - waow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQOVpCOFo0QzlPTHVCMkw1SHJHQl9sSU1CSHVvVmRVeEQyb2JjLXVmeXE5bUc0emR4cDZjQ3dGY0RPd2JWdHZQVDNWMG9CQWNCM3R1cFpreF9QM1o2LUdQcnk2WmdFeC1vNkJPLTNwSk9YT1laM20tcUZqM0xQaVNraU4wdEVxVlhTeVplUWRvUHk1cnp5Uk1xdG16TFcwZnNXOEt1b2YwZ0tuX1JmbjlHMmxMekcwb2ZpZ2tacnlIaHJkZGxmeXBvR2hjQktuS0RBdENiWV9HZw?oc=5) · waow.com
- 2021-02-02 [Intercity State Bank promotion announcement - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYnNPVXBWVFJqR2lRc2RIbXpJNGFCZEpkeXBhQmlfZng0aHdTZk9ObG9JNGFkNllNS3FnVVh5UVY0azItbGdwN2lzcUptMDJUNUcwY0VsbzhkU0dYUGw2elhuc0paWW1vcl9fTlJzMk5mU0xTcnZKeTY3TjJkU2xfMnlJY0lyeEo0WXp4bmE4T0tuZw?oc=5) · Wausau Pilot &amp; Review
- 2024-06-27 [Intercity State Bank hosts ribbon cutting at new Weston location - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMirgFBVV95cUxQam1jaUloMXVCSEVTYVRERC1nakNabFBJa1QzSW1GMlZKc1lBYmtfdDVlWnBCb3hPWW5pWEtuSGhweGNDSllDWmNfLV9Ib3c1bmF2aXJ6QWdjRXM1MTY5RGpiUWVfT3RvdHBCNlZIVFB2d2FWNlpoMlBMU0Q0aHNBSzVQVDZOQlB2YzJZTGMwaU5HM1h3eEdzb1dTSkJNTmJfR0FrMjBtSnZnb0M1SHc?oc=5) · Wausau Pilot &amp; Review
- 2025-06-22 [Ross A. Lyon Obituary Dec 2, 2018 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9SNDFtSjVHSklBYXl5WWpsY2RMUWdGZXNVb2FQODlvUXRsMnFOX0thQ3NHX3RNckVEbTF5U3RqTXlHN3lGRmk4X0RGU2thaGZzNERZVTBtYlg4Z05YMTctNFVn?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2017-03-23 [Memorial funds created for victims of Wausau area shootings - nbc26.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPMEFlcmZMdER1M3FaTDAzSWZrY1Vld2Q1ZXdTVGdYTjJyeDZuUzVCM2ZtdjJhR3VrVlhvUllDeTZnT1lRUlJUY1QxV2dlYlh1LWZoSk9kOVhpWDdpWm9BQlRxX1pfZlRZOERSenhXMTU4TC0xc3lKcUt2RHJiV3RiaFpBTkxkR2k4Q2ZMODZyRQ?oc=5) · nbc26.com
- 2017-04-01 [Wisconsin Man Suspected of Killing Detective Weiland, 3 Others Dies from Wounds - DrydenWire.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxON1B3Si1Wa0kwMmZJalcxNVByMFRqV1lCSk4xdkFSTXI2TTNFa2ROajF5V1JpNXhmUGV5eTRiVnpNWC1ZbjE3WUJGVVFSclBvcllXX21zbHlfVVgxUTNoNHQ1ZDI5eXk1bmdCUzVwbERDU1ZmVGZzUjhYVk8xX09mN3R5aUpCeWlUc1JTMHBsMTgyNFR3NGhRWmthazR6ZTJ2V1E?oc=5) · DrydenWire.com
- 2017-03-23 [Officer, 2 bank employees, attorney killed in string of shootings near Wausau; suspect in custody - FOX6 News Milwaukee](https://news.google.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?oc=5) · FOX6 News Milwaukee

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17128 (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/40.json (key "17128", 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