# JOHNSON BANK
RACINE, WI · FDIC certificate 20296 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $7.07B | |
| Deposits | $5.63B | |
| Loans and leases | $5.38B | |
| Total equity | $862.6M | |
| Loans / deposits | 94.20% (p72 of band) | 87.10% |
| Liquid assets / assets | 18.20% (p38 of band) | |
| Uninsured deposits / deposits | 49.03% (p90 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.41% (p52 of band) | |
| FHLB advances / assets | 6.41% | |
| Tier 1 leverage | 12.33% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -5.61% (p60 of band) | -7.75% |
| AOCI / equity | -0.79% (p24 of band) | |
| ROA (annualized) | 1.30% (p55 of band) | 1.26% |
| Net interest margin | 3.54% (p40 of band) | 3.70% |
| Efficiency ratio | 62.23% (p61 of band) | |
| Noncurrent loans | 0.23% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 605.37% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 36.26% (p37 of band) | |
| Auto loans | $319,000 (0.01% of loans; DQ 2.51%, NCO 0.00%) | |
| Loans to nondepository financials | $14.1M (2% of equity) (p77 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 778 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, leverage <7%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | expense ratio p90 |  |
| 2011-09 | 6 | losing money | wholesale funding >15% |
| 2011-12 | 9 | leverage <5%, capital falling |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | leverage <7%, construction >100% equity, expense ratio p90, losing money, leverage <5%, capital falling |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 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 | 2 | capital falling, charge-offs p90 |  |
| 2016-03 | 0 |  | capital falling, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | expense ratio p90 |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | run vulnerability |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2021-09 | 1 | uninsured deposits >50% | deposits shrinking, assets shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | uninsured deposits >50% |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2025-12 | 1 |  | run vulnerability |
| 2026-03 | 0 |  | uninsured deposits >50% |
| 2026-06 | 0 |  |  |

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

- 2026-04-02 [Johnson Financial Group Names Next President of Johnson Bank Wisconsin - Kenosha.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxORXo1TFB6cVo2SGRISmVmdHc5SF9may1UQkdMNlMwQW5jaG81Xy0xaFdTLVRiX1hjckhwOXBsNmxMT2I1ZW5mcVhkZl9CX2JKOS1JM00ySGI3VEdFamYxOG0xa0RUaVRpREs4X1MteW5CN3BRa0lvZksybFJSQW14YWhpMUl0c3hVNjFHSTh4WHh5Z0x3cDRxeXdYcVdGanRnVHBn?oc=5) · Kenosha.com
- 2026-04-13 [Rob Nielsen outlines strategy as new Johnson Bank president - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPX1VBbzJ2Nzg2UXZkRUl5bmFzZHJSZFBvLW1NS3dwWHZfNkM2T29IU2wycFVHaS1JTkJFZGV4SlZBckoxMWxhTU1wRk5GLXhaNC00QzkyV0E3bWlRMDZ2R0xsOVdHOU00aWVYTVR1VmpUT0FEb21tekZkQlMxR3R3WXB1WW84dXh2R240ZjQ2VjFaN0N0cC0za2JjaExZdHIzc0VuWk1zTS1XZl96?oc=5) · The Business Journals
- 2026-03-16 [Johnson Financial Group Elevates Commercial Real Estate Leaders - Urban Milwaukee](https://news.google.com/rss/articles/CBMipwFBVV95cUxPWC1ibTBsb2xyMENHVVY0UkgxSDhVXzNHTXBpMTU2X1RuS2xkTkxNOHR5N2pNNWRNZ1lCblFfMG1XVmFkeFFVUnhlYjY3WU4zR3Z6cWhReUxZX3JkWThFaTd3b0E0cWlqWEJBQ2o4cnF2MGFaQ3VBUDdqOS1ZQVQtek91VlFmcGcyTkZoRDVSVWFfcE1iZGotN3V2SVo3Z0FIUWYzZ2Frbw?oc=5) · Urban Milwaukee
- 2026-04-02 [Johnson Financial veteran takes helm of bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOT2hyZGI3cFpwXzJCSC1yWnRmZWJESUx3Q29jOFctanEzUFEySUhPWXZxdUROUk5NQzRGZUtLMUwtSXNwMmZaemRjREkzT0VraXcyWW5iX1ZaN1VUcm1VbmFUczRzMG54a3FTSkZiLWlsUGxnNThxdTJ1T3pFNVNjTnVaMG9HanlMMHBzc3FsaE1TVDFpbTRnWDBKUXh6dWtHQlNuRDl3?oc=5) · The Business Journals
- 2020-08-20 [Johnson Bank to close six branches - biztimes.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBmNmIta3A2cFduY1RoWkxNUnBIZDBFOFpOSzBhOVJqV0RDcng2RDdSSjRkSk9lYmFHMm82UlgzdUpKZkE4dWk0VzFZZUYyY2hyb014QS1xZlYtWWd3WlpKbDk3VVB4eXc?oc=5) · biztimes.com
- 2020-10-02 [Johnson Financial welcomes new senior vice president - Racine County Eye](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUkVFMXJBeFdxY3NhRGZSSlJkeWJxQWhxMEQ0cUd6VW4xWDg1ZWMwcVg0aUVYZndJemw2X0NiUC1FLTRxREc2cEo5ZUFmOW91UXFHbjJGSTROdW9RcEMxUG1LNXJKVjl1QjVDb2dpTHR4eGp3eW95ZGY0bGI0Zl9EVUhKTlozcU9aUFpWS2VKTXYyZUtVRnNB?oc=5) · Racine County Eye
- 2025-05-15 [Johnson Financial Group Announces Leadership Change - Kenosha.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRi1QY1FudEtOOW04S2RDNFFENzgxcHdQa0VTZUFzLTZIZnI5QnRFV2g4REx0UW9iUVVMQ0Q1T1N6blcwcm5BZEVJS0UxX2ZtZFRoM2R2ZXVJOFE1Rm5hSlN3ZFpya2NfV243NnAyZVQ3SVJjc2VDRVZaVmhwRFFYaHA3WjV1amRUR3c?oc=5) · Kenosha.com
- 2017-10-23 [Thomas Bolger to step down as president and CEO of Johnson Financial Group - biztimes.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcW01ZXBDZW41eWF5U0JTYVAyYkN1bG5vR1hXM0FRWGF4Z3lvMHNzQnJJR3NtZzI4VlM0OU5jTEV3MmE0ZWktYVR1T01wUHZ6MGZRd1lOeEQ1a0FkaEdLRW9LYjVzNUE5OGZ5NkF3SUc3WnM2WUVTb0JuXzgyZkJ3MDlyRHpQblZnaXJvUmktUXlUbk9DU3NRaDFWN0s?oc=5) · biztimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20296 (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/8.json (key "20296", 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