# FOX VALLEY SAVINGS BANK
FOND DU LAC, WI · FDIC certificate 29188 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $387.3M | |
| Deposits | $301.3M | |
| Loans and leases | $260.7M | |
| Total equity | $54.0M | |
| Loans / deposits | 85.63% (p61 of band) | 82.04% |
| Liquid assets / assets | 25.05% (p51 of band) | |
| Uninsured deposits / deposits | 8.32% (p3 of band) | 25.97% |
| Brokered deposits | 0.52% | |
| Wholesale funding | 7.86% (p70 of band) | |
| FHLB advances / assets | 7.34% | |
| Tier 1 leverage | 15.44% (p91 of band) | 10.81% |
| Unrealized securities loss / equity | -18.88% (p24 of band) | -8.10% |
| AOCI / equity | -0.42% (p46 of band) | |
| ROA (annualized) | 0.17% (p5 of band) | 1.28% |
| Net interest margin | 2.71% (p5 of band) | 3.91% |
| Efficiency ratio | 93.96% (p97 of band) | |
| Noncurrent loans | 0.33% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 309.51% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 45.36% (p52 of band) | |
| Auto loans | $639,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 | expense ratio p90 |  |
| 2011-09 | 2 |  | expense ratio p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90, assets shrinking | NIM <2.5% |
| 2012-06 | 1 |  | charge-offs p90, assets shrinking |
| 2012-09 | 2 | assets shrinking |  |
| 2012-12 | 1 |  | assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-06 | 0 |  | charge-offs p90 |
| 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 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | capital falling, NIM <2.5% |  |
| 2020-09 | 0 |  | capital falling, NIM <2.5% |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 6 | NIM <2.5%, assets shrinking |  |
| 2023-09 | 5 |  | uninsured deposits leaving |
| 2023-12 | 3 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 5 | securities losses >30% of equity, losing money |  |
| 2024-06 | 5 | capital falling | assets shrinking |
| 2024-09 | 5 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 5 | securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 5 |  |  |
| 2025-06 | 2 |  | losing money, capital falling, securities losses >30% of equity |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | NIM <2.5% |
| 2026-06 | 1 |  | capital falling |

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

- 2024-10-25 [Sharon Louise Fisher Obituary Oct 16, 2006 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE85cmwxMVZQcnZ2V0hXMVdsZnBhcjR1VTdfQ0lQZTBMUFk1LTQ1bHVTZml0OTJ2LTFCV0ZLcHluWmhZdzdVaEE2SUthNVptcW8ydXllY3ZfOVJvcUljVUdJZ08yc1duc3JGcGxpdno3cw?oc=5) · Konrad-Behlman Funeral Homes
- 2024-08-16 [Marlene J. Weed Obituary Aug 16, 2024 - ueckerwitt.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE41RWxhbnE5ZlBCVTQ2ZnJzcEJOdjEyOHc4V2l5U0FPRkNtUTJKcGk4ekhBMGtTeHhXVEJUTkRwVDJmVWpWcmFzRVMxLXBCWjVtS3hsUXNESEM2YjRrTkdj?oc=5) · ueckerwitt.com
- 2017-12-03 [FDL Recreation Department, Fox Valley Savings Bank show 'How the Grinch Stole Christmas!' - fdlreporter.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNSmZNaVVyNkdINzlKeXNCaGpYbEVhb3pKUnAtd3I3WXA3emgyMk5ROUlUQnBaSDlkaWV1VXUxRTlMbjdIQ2IzNlpnWjhyN2RRdlFtN0hQNlBNT3dSamZjNTgyOEdYUm9sTkVFQ25ZUlN0Z2RvTy1BdEJHUVJlWUQxSk9Pb2w2dnZRaUhaZ19PRkpzc25WVDdCRHR2WWp2SnJZYXhSM1dJQ2JzZ0hjRkNiY1lpdUEtS3kxVmM0Sm9Jcy1nLTROckphWmZEMjI1U3hLSnNwZFM2XzYwTzZGdXJtT3BzbnVtQkFNemZ3TmFBRGI4cXFncm0wak1n?oc=5) · fdlreporter.com
- 2020-10-17 [Rhoda J. Platt Obituary Oct 17, 2020 - Randle-Dable-Brisk Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE1DR0J1Vm9QUXphWEg5V2d4RFJsTmtQcTBESFNGM0FiY19RUjk2c3NhMFJfdThoLXNGMnBKOHpwc09SZk1hYjJvM2dJWjV4Y256azBlc0Fjcl9KQVJFeE1yNzVPZVFTZlNSdnFJOG9R?oc=5) · Randle-Dable-Brisk Funeral Home
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2016-10-03 [U.S. Bank tops in Wisconsin deposit market share - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMirwFBVV95cUxNSTEwY2JkNGNJUXh3MFI2d0ZwVmMzRkV5OEV1akw1dmNQSk5wU1BsMUY5bVh6M245RHlfTTFyX0xEblZCM0JoYmdXWWNTUFRiZlc0NWhSbVFURkRpaFJXdTR1RWRCZzh3ellZWGtMYWRpcm9pYmgxaDE3ZlRRR0EwODZZRzd0OHU5QWpoM1FlV2Y3M3hDR19JQXBpczl4ZDc4V2FQVGNFMDFjMDJ3ZlNj?oc=5) · Milwaukee Journal Sentinel
- 2017-06-06 [41 graduate from Leadership Oshkosh program - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZWlBWkdJeVQtVE5DcW96cmNwei1RcXV5VC1vMnMzTFN1ZTNJdHM2REtYNkNOdjloUHNrc1dDbmE1czk3MXVaWkJpV0Jvdk9YVVB1UER5dUh1a21DVW11QWI0a1BGZjJMeU9UaGxUb0xDeWxQYUZid1U1enRkUWx6ckViUjl5elZRRzllXzBpUU9CVUJtajBLLVZkU01zZ1NNZi1oUzNHekhaZFh1dzVqZk5FUnhmcGQ2TDZN?oc=5) · Oshkosh Northwestern
- 2018-02-19 [Downtown Fond du Lac Partnership welcomes Quam, Mayer as new board members - fdlreporter.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPOWRSNEsyXzRRTEpxSGlVU1Z6R2hGeXlvR3U2OHNGLS0wWWpXSzZYM1ljSEtRaHo1V1RxckM5U0Z4SHpFMnVyeFJ4MDdmSC1UY182LWFiNWk5MFA1bERBbndzckNRanh2b0s4MWR2dFdjMWZ2eUtmTjFUUmNnQi1TWnJPM3RhdjZMRktzM3k2N29NYm9aNEdwcmZnelQtaXBMMDdkZF8zNXZSWHpfbG1HUEw1Vi1SS0lSc3g2dEx3by04Z0lLNi1kYjRNWFNfMU9Pb0VDMThhSjJqWGFqSHZ5S01GOHh1NHk3bVFj?oc=5) · fdlreporter.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29188 (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/4.json (key "29188", 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