# BANK OF BRODHEAD
BRODHEAD, WI · FDIC certificate 2455 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $421.9M | |
| Deposits | $338.2M | |
| Loans and leases | $296.8M | |
| Total equity | $37.4M | |
| Loans / deposits | 86.78% (p64 of band) | 82.04% |
| Liquid assets / assets | 23.89% (p47 of band) | |
| Uninsured deposits / deposits | 23.98% (p42 of band) | 25.97% |
| Brokered deposits | 8.91% | |
| Wholesale funding | 19.43% (p93 of band) | |
| FHLB advances / assets | 9.48% | |
| Tier 1 leverage | 9.20% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -10.99% (p40 of band) | -8.10% |
| AOCI / equity | -2.26% (p6 of band) | |
| ROA (annualized) | 0.73% (p18 of band) | 1.28% |
| Net interest margin | 3.20% (p16 of band) | 3.91% |
| Efficiency ratio | 68.80% (p70 of band) | |
| Noncurrent loans | 1.24% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 90.83% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 35.84% (p43 of band) | |
| Auto loans | $1.0M (0.35% of loans; DQ 4.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 16.8% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 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 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | wholesale funding >15% |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 3 | brokered >10% |  |
| 2025-12 | 4 | reserve under noncurrent |  |
| 2026-03 | 3 |  | brokered >10% |
| 2026-06 | 2 |  | capital falling |

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

- 2026-05-13 [Alabama community bank to introduce digital small-business brand - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzhNNWVzcWxSSmZWWkRveHB3cENIb1dpYlhEUFNwU0RRSnNMYmZfTUFLNk9RdkUwUUlScU4ybVVrUjEtSzBlTXZwbzNCZ1NnaU5LLVN1MFpoLThMRjN3eU5PUXVENkhvUnlkODU3c3RhQjBrbnR0REM1dzZVbEdoTUxLRkF6UmdIbUQtZktvLVJSd2ZtaW13MkVNT0diaXhSUUE?oc=5) · American Banker
- 2026-06-30 [Vault.Bank plans coast-to-coast launch in 2027 following strong debut in Wisconsin - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNRFZ6WkJDYks5Umc3bnJEam9nZEdrX0xXdWNLczktWWFJdDFIOGl1OUNodE5RQVNpM2FtZlAxMHdLYlh0aGdwZzh6T1RyTzNpNkFVT1ZkZmZYMXY1dlhUMmpWcFdSZHR2ZDlMX1hybU9ORzlhb1BEX1cyT1RGME9NVjQ1VExvSkFUMWp0azMweTRSczFCMFgybTJR?oc=5) · The Business Journals
- 2025-04-07 [Bank of Brodhead breaks ground on new Milton branch - GazetteXtra](https://news.google.com/rss/articles/CBMi1wFBVV95cUxObjVRZjJZQ3dUY3FzdkhZRDZzMnNiYkdETzVHV1Z6d0dUNjllRGtDOWx3d01EZERkWmNxYmdrTFEta3VVeHc4UUhna3dQV1FoNUtZNlVMelVHMXlvZVBsN1k2eTZlVFg2ZGlnYnVHSXh2ZUJ5Tkd4S19SdzlmTDNyNGFJenFKOHJua0h2eW9QREpER29TVWZHOUQtc1J5ZnZFRGdCaXdON3Rja05OTTB0N05JZ3pYTGQwWGhtQTFXVFZ6OXpTT2wyYjJWS1F0U2YxVVVSek5JNA?oc=5) · GazetteXtra
- 2024-11-20 [Eric Stockman, of Milton, named Bank of Brodhead external director - hngnews.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOM2xjbk5TdFY1LVZvRUFLeFZxcC1DT1JzMjYxR0I1Wi05YnZrUzRYZFFuc1plT2pCZllraWtLaURTMzZrWXdNT1dxVHUtQ2RmWEVvOE5FT09IcEFGLW1IZE5lQmpseEpDU0tOUWlkWkJFcktPNkRCT1JzMHNHZGpoT0JHQU1paG9NSzd5eHdfdjczRF9iOHkzNEZHTURMMlh4SFd2VGhfMHVJTUFxNW52SEtnc0dwdjlYd1d3SnZ5M21YcllHSEVOVE5wRVRMZUZLaW1zczVoSS1UbV9TQWNkMUMwS1oxandlTHZaZE5vVzlmMkNBR1ow?oc=5) · hngnews.com
- 2025-02-26 [Pasadena Fintech Company Partners With Wisconsin Bank to Launch Digital Banking Platform - Pasadena Now](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPZnFLanNUV09rdG5ya2lzc0NENmNIcXZVeU5LVEhNZ2dfb0ZwREpncF9Bam1ROHV1RzhWR0VNaExRRld3dklBUnVyYzBWQ2MyV1JjTF9pM1NncHNVaEd5aVRzdEltS0lIMk5iNzVHRUg1dm9rYjlPWThadk9mTjhFMVBaNlBJU3lrZktwR1VxMmNkYVR5UWRZNGFiRkhsdmdzU1VqRmM3Zm9GUnJGTFF2SUVUZlhCRHU5?oc=5) · Pasadena Now
- 2025-02-27 [Bank of Brodhead creates Wisconsin-based digital bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPb0d3bUY5Z0RHT2l6V0R6bGVHcEhNRXJuQ0VKVE4tQWRtSExNWjNpZXJ6YzJNTTloYXFNMjZBS3RfWDBXUWtQQmRVNGEzdU5md1hUamtCU0QzM1ZGSlV1RU0xN2tzc2luOGFGUFduQ2VSVVNHZkttenpiazZjek1obmFORU9sbVdOU3prNHNnS0xQbFB5R1EyYXY5Q05LQVZtakR6VmlCN3lQaEk?oc=5) · The Business Journals
- 2025-12-11 [Milton council approves new loan to buy, close on business park land - GazetteXtra](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNdUhPUUJtZ0tHTjU5UGVwSHZzc3JTZnFJSlBwbTBEZlZ0ek9rUC1BQjgwY1NRTzZVYTdTSTkwVE5PQUtURWRGU0ZQOVNwQi1pOXlaWkdkVUlEWWZqY1lZNUJkTmFGekRxbk9YR09xMHdRT0ttaHVTeFFIX2I5YVVaSW1vcFZkWlVJTkVsREhiNDlLcElwbUUxcnpyajZHbDdmOWZvcmd4V0Q0QkNlNTdBZlpkS3U3NUVkRjRlRk85NjJlTEZ4TjZjc2FVQlRWenowejdkQWZ0RExtMDlTb0pYbThBZWp2MHFMMUN0Yw?oc=5) · GazetteXtra
- 2020-08-17 [Bystry Named business banking manager - The Monroe Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQUZ2a2J1Zi1vaTBESG5UTWdQRmxZek9zWW4zZXFFN0puZTQ4eEkwY3pBeGlQclUwU2VOYWkxQ1dPQ1ZFcXhDTEY2S2U1RDhoMFZocTZsMEtVakVrRW9YQ2htcnBoUzNRLUJOa1gwX2h4V1FHLTh0MEUyQnBqbVh5NQ?oc=5) · The Monroe Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2455 (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/23.json (key "2455", 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