# FIDELITY NATIONAL BANK
MEDFORD, WI · FDIC certificate 22153 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $85.0M | |
| Deposits | $77.3M | |
| Loans and leases | $53.4M | |
| Total equity | $7.4M | |
| Loans / deposits | 67.76% (p38 of band) | 74.58% |
| Liquid assets / assets | 33.68% (p54 of band) | |
| Uninsured deposits / deposits | 24.77% (p84 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.73% (p14 of band) | 10.79% |
| Unrealized securities loss / equity | 1.57% (p44 of band) | 2.02% |
| AOCI / equity | 2.96% (p81 of band) | |
| ROA (annualized) | -0.23% (p4 of band) | 0.86% |
| Net interest margin | 4.13% (p77 of band) | 3.65% |
| Efficiency ratio | 118.93% (p98 of band) | |
| Noncurrent loans | 2.49% (p86 of band) | 0.67% |
| Net charge-offs (annualized) | -0.05% (p9 of band) | |
| Reserve coverage of noncurrent | 75.15% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 15.02% (p49 of band) | |
| Auto loans | $142,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 2 | noncurrent p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | noncurrent p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 8 | capital falling, losing money, expense ratio p90, charge-offs p90 | uninsured deposits leaving |
| 2014-06 | 6 |  | deposits shrinking, assets shrinking |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 4 |  | capital falling, charge-offs p90 |
| 2015-06 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2015-09 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2015-12 | 4 |  | charge-offs p90 |
| 2016-03 | 4 | capital falling | noncurrent p90 |
| 2016-06 | 3 |  | capital falling |

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

- 2013-06-14 [Robert Czech Obituary Jun 14, 2013 - Taylor-Stine-Waid Funeral & Cremation](https://news.google.com/rss/articles/CBMiZkFVX3lxTE00OHBsdGpONFNXZjAxUU40a0lYd1dIX1NCQlJXeTRqOXlrQVA2aC1LRzhueG5TTmEwbFBLeV92TlhmZ1RZeG1tTThqNjRiYTg3MTZvRnU0VDFMenpRREZqZkROSzNfZw?oc=5) · Taylor-Stine-Waid Funeral &amp; Cremation
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2019-01-16 [Historic 909 Walnut Building in New Hands, Second Spokes Rolling In - Flatland KC](https://news.google.com/rss/articles/CBMipAFBVV95cUxORG1yYkZXSi1pY3ZwaDVCeDFnZ1YzRFhHVThzVVpYSEVSeUpTWjdLemswNTJzNE5VOThQZkNoeHg0cm8zcGRPb21MZ09rVGFjV0VjcWFBRmFIZG40ZXIzX2RWa0NFMUxwRUpEVGRNVDNaZEZqeTAyZ3NwNnozRk5QZkZUcEhiczd3dkJaaDA4Q3dJLU9JdENQQ3dBbTU0OWZwMjRsdg?oc=5) · Flatland KC
- 2026-07-18 [Kay Bailey Hutchison - Britannica](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBRR1h1VGd4a2Q3UnZVLXBVZEVSVjhQRTRrdzJ1WTZycUlrcmFreXBINFQ1RmpmbERueVhIS3FDRzJIUnpMeElWTEJ0Y3g3bmFaYXBhcHh6dW55bmxsUC1jN3JlNTZ2Nm5x?oc=5) · Britannica
- 2015-11-06 [Mangiamo Pizza replaces Cliffhangers - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPcEt2V1ZQRTZNQlRzaW9IWExNbkFPMmlBa3JfeFZlVm5wMTY5djRjNDN3RkxkVFNFRUxPREhITkkzNDZEbXM0Y0JlU2FwRDNMeElJazBlRXprMjV2dS10V24wUXdWZUp1NHJlSF9UelMwMXZVVkVGZWU5VGxWMEpwN0JDMG81RjdaWmxXeXgxSG5UaTdKZEhfWUJpZG9HX0MyeS1wV3Npa19qZw?oc=5) · Green Bay Press-Gazette
- 2014-11-05 [River's Bend Steak & Seafood closed, to be auctioned - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZEsxUDhXb2FxcWQzYk5iaGNrdG82anpMZDhMZXN0YUFFcnZEb3NUVWJxXzJVXzFzVUszeHNJdGk2ZXgtX003ZUV0MW02UG1IdFpRQU9oOVlqQ0p4ZHlraWJ6NDJMSDlWRk9XLWdpTG5zLVJVc3paR3VjdmNjV3J3SVNNb19vd2g1a1hEMFlXLWpPNVVXZEJtUjl1VWpDeENhVXNreDVkZTZnbUUwY0dIMXFR?oc=5) · Green Bay Press-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22153 (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 "22153", 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