# ABBYBANK
ABBOTSFORD, WI · FDIC certificate 19795 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $662.2M | |
| Deposits | $580.2M | |
| Loans and leases | $440.3M | |
| Total equity | $52.5M | |
| Loans / deposits | 75.03% (p35 of band) | 82.04% |
| Liquid assets / assets | 28.46% (p60 of band) | |
| Uninsured deposits / deposits | 29.25% (p63 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.15% (p54 of band) | |
| FHLB advances / assets | 3.78% | |
| Tier 1 leverage | 9.43% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -28.83% (p13 of band) | -8.10% |
| AOCI / equity | 0.24% (p88 of band) | |
| ROA (annualized) | 0.86% (p25 of band) | 1.28% |
| Net interest margin | 3.49% (p27 of band) | 3.91% |
| Efficiency ratio | 68.79% (p70 of band) | |
| Noncurrent loans | 1.34% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 84.60% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 45.28% (p52 of band) | |
| Auto loans | $253,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 108 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | wholesale funding >15% |  |
| 2019-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | wholesale funding >15% |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 3 | noncurrent p90 |  |
| 2020-09 | 3 | charge-offs p90 | noncurrent p90 |
| 2020-12 | 1 |  | capital falling, reserve under noncurrent |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 1 | securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling | expense ratio p90 |
| 2023-09 | 5 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2023-12 | 4 |  | capital falling |
| 2024-03 | 4 | expense ratio p90 | construction >100% equity |
| 2024-06 | 3 | capital falling | noncurrent p90, expense ratio p90 |
| 2024-09 | 1 |  | reserve under noncurrent, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | reserve under noncurrent |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | securities losses >30% of equity |

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

- 2019-05-03 [AbbyBank to acquire State Bank - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMigAFBVV95cUxOSDZFQWZmdFZGMHVSRE02dTFQWkM2d21rMTlhZnNYb0tLVm02Tl9vd3hkalJBamxZYURjbEV5aUV1TktfQzNpMmhOOTg0UGJxRFo2YWhrVmxVUG1HZlBWYUxEblRSbUJTdHBPSk8tVnRqVWdTd2wyTlFnZWdoN2VkaA?oc=5) · Wausau Pilot & Review
- 2019-11-04 [AbbyBank acquires State Bank - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMifkFVX3lxTE5kV3Rkc0pYY1BaLVpBUUhVMEdON3kzeGxCMFpQQkkwRjN1ajllNXdWR3BOTVNIOU0xVEFsX2tYUTJtaW14c3IwSmIyZXptRjQyVmlaZlJjQzYxYzJZdXFuM1hudi1ESVFySEw0NllOWkJOYUdBdWtQTGg2UUJmZw?oc=5) · Wausau Pilot & Review
- 2026-01-14 [Central WI banks warn of 'recovery scams' targeting fraud victims - Stevens Point Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQTUNOUklwUmFNNjFnV2phVHRiUnh5clUzX2FCWFE2aXhoNUl0bkM0ZnhSU09OOTNFYXZMaXpQU0ZtNkttTGJNZk9SQW5VNVd6UUVZNlowVkdyU1Y4a05kdmxVc0dGdk9jT3pSeExmRHN2dTBUSHQ3dzhUQ01EbmFTX2p0UmlfSmdJMS1vUVVlOVFDeHN3MVZYb0lfSFVEamFpakdoa24tbVpSSGRKWGF0TWh4WmJ0RUk5UktfX29yVHVWWkJhQ3ByUU1wVUV1N0I0TnNyLXdjU2liSXpNdEdrX3ZpSGh1cTkxTzdFN1ZtSVJqUQ?oc=5) · Stevens Point Journal
- 2026-09-09 [YOU’RE INVITED - tribunephonograph_20260909_ttp-2026-09-09-0-009_art_2.xml - centralwinews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNd0pRSXluLWw2TVE4ak1CdVhZNTJzc0VCZWVPQmxaNkdwVVpUNk4yNm0zejI1elNpM1B1bzRhZDB4R0g3Y2I2N0dEak5lTVFrVVFWbnNTZG5BdWhxU0tTSXFqZ1djTjlsakpucHdrOUFGR3dEUnBYcF84empHTzVZcGF1OGhUcElhTVdjMHhVNGtfcEJ2LVc5WA?oc=5) · centralwinews.com
- 2025-02-17 [Several northcentral Wisconsin banks join to educate public on fraud schemes - WSAW](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQ3l2c2t5bU1uQ1h3WE1XaldYeG5rRF9VZUpZOGM4d19yb1dJVGh2aE5JaVBiYlBUQm9JamptZlZ2anhEYlp2bjNrSURFd1JzU3lVS05nbUtVc3MxRThYWWNTam8xcjlhc2VrZ2xOa1JrUFVrVWJsY0NpTEtKWlRURjU2SEY2N2theUI5MkJrQ3BRQnI2ZUhUQXh5S05MbEFUT21tRHR30gG6AUFVX3lxTFBBOUh3c0NBZTJNWXc3WURLdlAyTk1yellBLTRSZDVzTDV0RWdLSlp4TFlKYVVPemxtV2V1c0lOM2VKZUc0WHQzZ1JsTmdxeVk2a2RjVXJQVDd1bDd0eWNETDdHbG0zNXdlQUMzdGRjdTU3aHNoZXpZaGlIYVJUS3czcVREazAwXzRiU0J5TGV0aTlsVnhrMWtrNkRzM1FFV1pqV2NMSS1iYmZjeXJhbEJEOHdQV1ZaUzBUZw?oc=5) · WSAW
- 2016-05-25 [Taking Stock: Business briefs - Wausau Daily Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxNUFh1SFFYVzk0QmpRdld2ZHpsSnJsSkYzWnNYV2x0S0NneHRBdjNHUlBjbXRST2t6WG5wZmxpbE9JcjVxa09pZUNDVnAycW5Lcjl5Q1RjbW9XVWVDM0NSd2FxUUJROW82N1MwUHdUWkh6d2drRGhobGlKdjNQV29aZXRvSHRqNVJERVJqeHZUSXJsR1pMaFp2QUFlMA?oc=5) · Wausau Daily Herald
- 2026-08-04 [AbbyBank Hosting Free Community Shred Day in Shawano and Gresham on Aug. 5 - TCH Daily News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUkI5R082aUxKaXlLcWRxUDFnaUNBa29zU3ZLdnRuQlU5Nmd2cVdTaE10Y2FRbmI4cnBFczdWV3NOd0xuUHg4MlBPTmpxNFU5RVhBdHlBTUVmLXl5VTZmSG5oWU4zUW5uR3plR3NPUG15YU94VzRRcTE3dXJELUFKdU52YXJUMGp1aWxHMHZHX1MtTjNBeS1OMUFveklOQ2h2bklTcjZn?oc=5) · TCH Daily News
- 2023-05-10 [Kelly Sue Wussow Obituary (2023) - Owen, WI - Maurina/Schilling Funeral Homes - Abbotsford - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxONkN3cVZ6X2NPc0RiNUpQbUN0OUx5SW5GSk9sOXRTT2NlRUJobFhqTWdnUF84MHozQlRqQU02cTZjenhtb0xyU0I1OXFWOGQxdFFoM244YWxLZmhIX1pJUnd1ZkFWYjZ6VFVoQWpvUGd1TEdiWFVtOFlyN0oxZWNSbg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19795 (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/19.json (key "19795", 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