# SUPERIOR SAVINGS BANK
SUPERIOR, WI · FDIC certificate 28790 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $98.8M | |
| Deposits | $81.4M | |
| Loans and leases | $83.3M | |
| Total equity | $16.8M | |
| Loans / deposits | 100.05% (p91 of band) | 73.59% |
| Liquid assets / assets | 14.81% (p11 of band) | |
| Uninsured deposits / deposits | 18.73% (p46 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.30% (p83 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.85% (p32 of band) | 1.17% |
| Net interest margin | 3.96% (p52 of band) | 3.93% |
| Efficiency ratio | 71.88% (p65 of band) | |
| Noncurrent loans | 1.15% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 187.76% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 10.43% (p39 of band) | |
| Auto loans | $480,000 (0.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.5% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 | charge-offs p90 | capital falling |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 1 | expense ratio p90 | deposits shrinking |
| 2014-06 | 0 |  | expense ratio p90 |
| 2014-09 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling | expense ratio p90 |
| 2015-06 | 3 | losing money, expense ratio p90 |  |
| 2015-09 | 2 |  | losing money |
| 2015-12 | 1 |  | expense ratio p90 |
| 2016-03 | 1 | reserve under noncurrent | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 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 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 1 | uninsured deposits leaving |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 2 | deposits shrinking |  |
| 2025-03 | 2 | charge-offs p90 | deposits shrinking |
| 2025-06 | 2 | liquid assets <10% | charge-offs p90 |
| 2025-09 | 2 | capital falling | liquid assets <10% |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2016-08-30 [Dawn Staples named Superior Savings Bank’s new president - BusinessNorth](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPM0JweFpSZExUbUVrS2RRZWJLOWN5VU5Xb3l1d1pZMHJXcmxTTXJoYThjTFl0LW4xdmRvZ3dCUWludmdZSGIwOGZoWlJWc1I1LW1VemlyRXZqc1FGQUZ2WldWR0laSlJiNHh3a1YxNS10RTR2enN4RVloVGFXbURsZlNSeF9zYVRjZi1BbWlLV2NHWmtlN0tBUXVldjc5UEtFRE1zdmxWYjI0c09HUkJqYURPN1FMQlVNd3l3ZFUtNEtRRDJrWlhLOG5mWUQ0ZEVlTVVQT3VURVlEcnMzMTZNalBzVmRVUQ?oc=5) · BusinessNorth
- 2026-05-04 [Mara Kaye Krysiak Obituary Jan 14, 2014 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBtUjlGTGxJZlRjdEQ5ZUlZdDREdGNBczlkVmRjM3hqbE0zWDZBZUFyakUyN3kzZkE2cjhhX2dGN2dBY0E4Z2RhdFdoQ1RLXzdZdnV2VjJPa1ptX2c?oc=5) · Downs Life Celebration Center
- 2024-12-22 [Karen Ahola - Heritage Funeral Homes Milwaukee, WI](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBGcUlBakV2aGxKQThfc1BITHRRakFpQi1oV3pUMTVpelVGR1VmNVJ0LURUa3YxUjd4cDFpNVdBT3VXd0xyY0c5c0dMc2FZR3pDQW1OYVV4UHljRTZkSDRtRUpaMA?oc=5) · Heritage Funeral Homes Milwaukee, WI
- 2024-02-01 [Lydia M. Miller - Duluth News Tribune](https://news.google.com/rss/articles/CBMitgFBVV95cUxPazNMQ0N0ZWVQQjM5N184NmxWdGdrZlU4WDVrSllYbFZZZ0RyWHlZLXI4allPNVNNWFo2dGljQk00YU1FdnUzUFp0X3pOUGw4eWFHc3JmM2xHOXg0ekhnck8yRDhoN1MxOUZGX20zTjhJdXh5WTFLaFhFVXZ5cmVMdUVmTHdNTDN2MHJNeWkzeDRVOWNSY0pKQmkyeTBqNDRHUUE4dFpIalpVci1DYnplcFM2LVNQQQ?oc=5) · Duluth News Tribune
- 2020-10-08 [Virgil M. Everson Obituary Oct 8, 2020 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiXkFVX3lxTFB4T0Nma1d6NnZobzhzZFp1OHlPbjdHSEpaZjI2LVFDaldWbnZMZ1Z2OC13X3dIR0Ryajd3QjRoeDUtV3FJSF96WDd3d0tTUS1odkNjZ2dXMzByZzVuV2c?oc=5) · Downs Life Celebration Center
- 2007-11-24 [Superior businessman who lost two sons in accident dies at 71 - Pioneer Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxQajRDRmhmdGVIZjA0ejdzVWNZcnByN2xvRm83cEI4T1ExOV9VUEU1MjdFb3M1LTJ1ZFRidmtQYS1sVTJBMENKZHJLUHl2TFZqM2JuQjFBMkFYbXVjM1BxVnY5U3luYnVqSVdOcFJsYWQweWhYT2hHUndZY2ljc2tJblZsYmxiVkx2d1dMajhqR1BERkVkTTlYdm9jb1FjWExOTnQ3UQ?oc=5) · Pioneer Press
- 2012-03-19 [Richard Emmanunel Erickson Obituary Mar 19, 2012 - Downs Life Celebration Center - Downs Life Celebration Center](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5yOURpNzBfLUdqTzZMVEoyNXpENHBMcG93aXFYbDBmcVphREMxTG5hNWhRcHVNSjh1VmFNMGFnalZWd3p1ekpCZkt4ZnlhSndhUmU2QUpLbzY4OFRMTDhBSA?oc=5) · Downs Life Celebration Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28790 (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/54.json (key "28790", 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