# HARTFORD SAVINGS BANK
HARTFORD, WI · FDIC certificate 28531 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $175.4M | |
| Deposits | $154.3M | |
| Loans and leases | $122.7M | |
| Total equity | $18.9M | |
| Loans / deposits | 77.46% (p65 of band) | 69.26% |
| Liquid assets / assets | 23.81% (p26 of band) | |
| Uninsured deposits / deposits | 11.45% (p45 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.07% (p46 of band) | 10.29% |
| Unrealized securities loss / equity | 4.69% (p97 of band) | -1.01% |
| AOCI / equity | -1.05% (p70 of band) | |
| ROA (annualized) | 0.22% (p17 of band) | 0.76% |
| Net interest margin | 3.50% (p42 of band) | 3.63% |
| Efficiency ratio | 85.48% (p74 of band) | |
| Noncurrent loans | 2.37% (p76 of band) | 0.94% |
| Net charge-offs (annualized) | 0.82% (p94 of band) | |
| Reserve coverage of noncurrent | 108.79% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 84.59% (p93 of band) | |
| Auto loans | $463,000 (0.38% of loans; DQ 20.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.9% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 | losing money |  |
| 2012-09 | 7 | capital falling, charge-offs p90 | noncurrent p90 |
| 2012-12 | 6 |  | capital falling |
| 2013-03 | 5 | noncurrent p90 | uninsured deposits leaving, losing money |
| 2013-06 | 4 |  | noncurrent p90 |
| 2013-09 | 3 |  | reserve under noncurrent |
| 2013-12 | 3 |  |  |

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

- 2026-03-12 [After 14-Year Hiatus, Landmark CU Plans to Buy Second Wisconsin Bank - CUTimes](https://news.google.com/rss/articles/CBMipgFBVV95cUxNelZmLUtLQ1lxUF83Y0FaVGNJLWlTVWVRTFIzbWg5X0p4dUlBSGlDWkZhNE9BaElMQkJYWUJFUDZxWnI3azRRTm1xa29LcmkyVjJQQVFWX0I3ZlNVMksxRE1oUnljbFYwazloWEI3QUJTTi1MZ0ZuRjFGSGwxWFBKR2R2ZFNSbUNCU0N5VXFBZ0oxWDl4YTBtZFplSGVnYU9vVTJqbXJn?oc=5) · CUTimes
- 2015-05-05 [Achieva CU To Merge In Bank - cutoday.info](https://news.google.com/rss/articles/CBMickFVX3lxTE8xRGwzRUFmcTZ5TmZOeU54b2ZjeGI2VkZIV3IyX3ZKdjVrUHVfdG4tZTc5T3lBNnhIUGZJVVAwV29rUzM1enhkQ0E3UHVLcUFjNnAyd2lxdUU2bjJ3WVdpaGZWX0FENExyZG1EdXlmdWNrUQ?oc=5) · cutoday.info
- 2016-05-12 [Landmark is first state credit union to top $3 billion in assets - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPRDN1Z3ViT3JyZkFOVUhMUGRRRHNQbzZhU0YzX2RVTjdPbnhydnJtemdRa1VzcnpOa2ZHRTRpaWZXd3ptVlExQ3NyQ1p6OGFzZVBTamRVQXN6T3hLcTJ6Y2RpYlltanRZZ2k5cUJ3V090WW85LUZodGVZYTZHeExlbEdXTzl5ZnpuZk9PVEdEVGdSa2NxMlBFOUdSQXhTMjRwSVYxYmx2R1VGS0VNV1k2NkxPcWpiMHRFaEpubmJiakFXZ2hpT2FGU2ZpUWpIeWQ4eXp0dA?oc=5) · Milwaukee Journal Sentinel
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2025-12-12 [Ruth Marie O'Connell Obituary (2025) - Hartford, WI - Shimon Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNXF1M0M4V0pWVmJWbVpHYU1nQWJzZmZLYUFtVkROZDV5dmtIVV94QjJ5MjUwTFd5NUY0bzBRRU15TGZxRW5RRXRVSmZsbkVocmcxRHRkNGNFQXJOOV9XRGZOOXU2XzRCYmNYM05iS2h0MlFrd21zTkJJNW9SUVZYVWxzRQ?oc=5) · Legacy obituary
- 2024-05-28 [69 HUHS students receive over $700,000 in scholarships - GMToday.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNR3ZKN2tTbmh0NnBsOEZMUk9TWEw5b2x1WEJuQ1ZNcTJTbGRkaUxzd1NZZ3h5c05oUGoxOGVEbVpPSnJEd1BpT215NXpIbTM3UkJlaWo4VERXaGxjclpGOG5ha0V0R0FsSUFDNEU4dnhsUDQ2cV9uaGF1bmRLWTVLZlZtLVNaTnJxdjZ0M3JtM3c0S3ZreG5CZmRyQllRNDhnd3Y3OWpjOHRNa05yY0hzbjE3WFppd3BPTXFHdThBUFdnYVdsUlBSMHJ2LTd2V3pPRDlhY0NyVXpjWWs?oc=5) · GMToday.com
- 2018-02-16 [Washington Co. Fair Park to name road after 4-H advocate, fair manager, and home economist Joyce Albrecht - Washington County Insider](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNOWMtYTFOMEJieHVsV1p2bWxGaEFLM2h5bmxidlBScFdfellxZHo0VDZaOXVIU3NQS0dGZlllUUppN2JJdU9VcXNmaFJRa29mR2oyQjFfZ182UVNxNi1MRkYwTFdRcDR2eThtV2ZmSkhyV2Q4bm56UFp1RDFZOUg4LVRQRm9tYXdtWU03NVdJT2xnUGRrRmRCeENLMG5fU013ZWhqYmZLcGF4anUzQUdETWN1U0RqaWhJd2RHaFRLOFlsSkhEajQtem5FRGJDaVFUTkxkaThWUEh2aWM?oc=5) · Washington County Insider
- 2025-12-21 [Ruth O'Connell Obituary (1928 - 2025) - Madison, WI - Madison.com - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZi1CVk1iQjk3bHBwa21vZVhXYU42SWlla1ZCRFJwSS1LRW1qekpOQzVDNTkxTHdiRGhnRlJGUVhvTUdqMW9HVnJXaWpvb3F0cjdYZ0JrZnA3VWxVQmdzRHM1M0VNZE9EQ1VfS19QTG9pZ3dJTWdTeTZkNWJSOFZISE8tM0VrTmhkdnJnaGhn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28531 (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/51.json (key "28531", 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