# BANK OF DEERFIELD
DEERFIELD, WI · FDIC certificate 2477 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $268.3M | |
| Deposits | $230.5M | |
| Loans and leases | $234.0M | |
| Total equity | $27.9M | |
| Loans / deposits | 100.21% (p92 of band) | 73.59% |
| Liquid assets / assets | 9.33% (p3 of band) | |
| Uninsured deposits / deposits | 15.49% (p33 of band) | 19.81% |
| Brokered deposits | 19.41% | |
| Wholesale funding | 22.02% (p96 of band) | |
| FHLB advances / assets | 2.61% | |
| Tier 1 leverage | 10.49% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -0.20% (p87 of band) | -6.57% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 1.55% (p70 of band) | 1.17% |
| Net interest margin | 4.09% (p59 of band) | 3.93% |
| Efficiency ratio | 61.35% (p38 of band) | |
| Noncurrent loans | 0.13% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 968.73% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 103.65% (p95 of band) | |
| Auto loans | $1.1M (0.46% of loans; DQ 2.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.6% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 4 |  | reserve under noncurrent |
| 2012-03 | 5 | capital falling |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | liquid assets <10% |
| 2014-03 | 3 | capital falling | loans exceed deposits |
| 2014-06 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2014-09 | 4 |  |  |
| 2014-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2017-03 | 3 | construction >100% equity | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | loans exceed deposits |  |
| 2017-12 | 4 | liquid assets <10% | construction >100% equity |
| 2018-03 | 3 | construction >100% equity | loans exceed deposits, liquid assets <10% |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | loans exceed deposits |  |
| 2018-12 | 5 | liquid assets <10% |  |
| 2019-03 | 4 |  | liquid assets <10% |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | liquid assets <10% |  |
| 2019-12 | 4 | capital falling | loans exceed deposits, liquid assets <10% |
| 2020-03 | 4 | uninsured deposits leaving | capital falling |
| 2020-06 | 5 | loans exceed deposits |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | loans exceed deposits |
| 2021-03 | 3 |  | uninsured deposits leaving |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | capital falling |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 |  | capital falling |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | capital falling |  |
| 2025-03 | 5 |  | capital falling |
| 2025-06 | 4 |  | construction >100% equity |
| 2025-09 | 5 | construction >100% equity |  |
| 2025-12 | 6 | capital falling |  |
| 2026-03 | 5 |  | capital falling |
| 2026-06 | 5 |  |  |

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

- 2026-05-08 [Top Projects of 2025: The Bank of Deerfield - The Daily Reporter](https://news.google.com/rss/articles/CBMihwFBVV95cUxOYjVlX3o2WWVLUzlwQk93c1BmMzVDNzRtQ1FxbzFCWHNLTlVYYmxHVVdEOHZWYi0zWXlOaThibDZ0bHdtUTZFYmY1MWVkV0lrVVVBVVRKaUN2M3llbUdYMlo1TlM4S3RTeFgzTG9ib0poYW5XQW9xYlEwUkVXdDk5azRlZ2VUN3c?oc=5) · The Daily Reporter
- 2025-12-29 [Cottage Grove, Deerfield, McFarland, Monona 2025 year in review - hngnews.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPTnRSWmdnaVJoQ2U5STZnY0FURFpCcTRKbmRVMVRjaEh4MVZsVGJKLWlYV2Z4ZzFwUzZDUUpZMTU4RVREUnhxUkNQU0ZxRno1MFl1Y01aRENhdU5oelZYY0pIUEtiZG5RbVVpUTdfdndvSV9hWTZmWVZSZ0x5aWRsSm9PamRid3pxREJCOTh2N1FWOGI5VzN1bGcyb1lvLWxzRWdHc3RtS1o3Wk9aNms0WVdfbnc3b2VzQ3ktcWFrV3JYN3BoeFlUa21tS2JHQ19MQm5faWNNdklrZVZ4VU5FMXNaMmdha1d4OU1WV2FoNHBtZ0trRjNv?oc=5) · hngnews.com
- 2026-04-27 [Cambridge area solar project set to finish by year's end - hngnews.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQYmpuQjh5bUQ1UUtOYTYzMFE0eUw0RUJOSTZhemh1aU1RUjN3RDdZYzI0U3paVjY3ZGJPV2dKOWlDR1F0OERrSlVDRUlFOGYxeXh3QnNnY3Fsb1pPRUdCWUlyUlQ1WnhZR2E0NTh3R1VvZUNfak5qZlpvM2c2cHlNeE45SUxLSDVtVVBzWUswSlZraU5nbFdhZGhUT0stMks3ZE9xekZGZHVCZHFZNFdnTmNUUXVKTzVtYmNteWQ0NktaM0gtZWZFVjNLQ3h2OGJKY0c3YnUwMGFKZE56Z2NrU1RnU0JWSm01RnBBTlVmeUs?oc=5) · hngnews.com
- 2024-12-08 [Worth E. Tiffany Obituary Dec 8, 2024 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE9EM00wQ0FLTFkxWGRsMmtOMmNnQjFqOHQwT1N5SWVGZF9ERkROSTdiMHZtTzZnOV8yeWQ3UnhwQ3RIUWF4RWJieGRET25DS19tX2lya1hvOUhRTVBYTUUzYXRmQVB4OGZqcUtoNA?oc=5) · Cress Funeral and Cremation Services
- 2026-06-15 [McFarland girls' soccer punches ticket to state - hngnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOUEJ3dkRxaWp5YkQzSVNwdm1OeUpUQkh6aThnSVEwemRzSUJfVFhEZ1R5Um96VGkwMWdGNXpkNTRFbl9uQTZZZUxIZjZTZ09lRndJdDNLOVdEcWlrUWxqNjdKTHVFNW5UeElvX2NPQzloZzM3ZTBwd1Q0ZWRUWW55cjJLcnQ2eVJaMVh2MXN3RXhGakhha0NmTENNLU1EY0ZSMmQ1cUc0ZXJjSXNFY2N3cU12T3RkRHJzbDN5RW5xYm5UbDFNMnNaUzc5OGI0eUZwVGdxVmh3?oc=5) · hngnews.com
- 2024-02-21 [Robert Lund Obituary Jan 13, 2014 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE9DQ1NkaUk1VEI2MUI0RVhjVVJsRFBibDFLbXdWY1AweVg3UjVOQmJoR0FHQ015MHp2alRzcGN0WEJ1Q2MzT2tIOEdsdDNTY0x0RFJpMnBCTjBHTlRISGdfZHNsUjJ4MnVqMlE?oc=5) · Cress Funeral and Cremation Services
- 2025-06-11 [Bank of Deerfield opens new main bank building - hngnews.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNYXhRRGJ2dk5mNWdIam1wVjVQM3Z6cW1zVFNIUVV5SU12WHN1YjFQOEpIYTBnbmp0enFtUllvSV9kQ0R0QkZLOXJMS3lfbXIzdGhnZXlSM1FQQWNhbFp2azdjeGtlbC00WF9ZSFBxbHo2dTFKZXBlMUQwdUpaYnZjMkRjWnEyTFFyVFFJNTdoeVlSZnlJS1NncFB1c1BWeEtnb0NLQjZ5Y1Vyd194aEh6cjFjYnZTbWNVTF85dmF5V0VVbWtFX2YwNFRDMkhtNXVLNnQwUEVvRzZ2cXVyOGhvb210bm04cGti?oc=5) · hngnews.com
- 2015-01-15 [Mary Dahl Obituary Jan 15, 2015 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE5JUzRlTUlzSVNYRHZtVVJFUHJicW5wcm1XN3Y0XzZNNXFuUnBPcTlkWnQyY2MzQU1mdW80XzlWZjVpa1FybUlpUnJOZHFYdWFaeGFESVVDMlVIb2xsN1dobkt6R09hU0pja0FqQw?oc=5) · Cress Funeral and Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2477 (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/45.json (key "2477", 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