# PREVAIL BANK
MEDFORD, WI · FDIC certificate 29294 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.03B | |
| Deposits | $786.8M | |
| Loans and leases | $743.0M | |
| Total equity | $136.4M | |
| Loans / deposits | 93.32% (p69 of band) | 87.10% |
| Liquid assets / assets | 20.31% (p47 of band) | |
| Uninsured deposits / deposits | 14.62% (p9 of band) | 30.76% |
| Brokered deposits | 6.54% | |
| Wholesale funding | 16.18% (p83 of band) | |
| FHLB advances / assets | 9.64% | |
| Tier 1 leverage | 12.60% (p81 of band) | 10.50% |
| Unrealized securities loss / equity | -9.26% (p43 of band) | -7.75% |
| AOCI / equity | -0.24% (p54 of band) | |
| ROA (annualized) | 0.45% (p8 of band) | 1.26% |
| Net interest margin | 2.87% (p12 of band) | 3.70% |
| Efficiency ratio | 79.68% (p93 of band) | |
| Noncurrent loans | 0.20% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 590.34% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 27.88% (p27 of band) | |
| Auto loans | $716,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | securities losses >30% of equity |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | NIM <2.5% |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | deposits shrinking | reserve under noncurrent |
| 2019-03 | 1 |  | deposits shrinking |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 3 | uninsured deposits leaving |  |
| 2019-12 | 3 | expense ratio p90 | uninsured deposits leaving |
| 2020-03 | 1 | losing money | NIM <2.5%, reserve under noncurrent, expense ratio p90 |
| 2020-06 | 0 |  | losing money |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 4 | expense ratio p90, NIM <2.5%, uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | wholesale funding >15%, capital falling, losing money | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 3 |  | wholesale funding >15%, capital falling |
| 2024-09 | 3 | uninsured deposits leaving | losing money |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 | wholesale funding >15% | expense ratio p90, capital falling |
| 2025-12 | 0 |  | NIM <2.5%, wholesale funding >15% |
| 2026-03 | 2 | wholesale funding >15%, expense ratio p90 |  |
| 2026-06 | 3 | capital falling |  |

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

- 2026-08-20 [Prevail Bank Selects Jack Henry to Differentiate Through Open Ecosystem and AI Innovation - PR Newswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPdkViMlpWdzdaNTBxVE5paVVKcjVyaDhFakd3QkhRanJWdGJfczl3UkU2dk44TkFFRUJTT1ItZHpUR21EcFMtUGNlM0NvVTNtblpkbGR4YkpiSmNCTFBNT0FmbGlYZU9EdV90bU9aT2g0a3l2eU9QY2ZFMDF0TWNvUl91SFI2UTJZRUFTakNRS1c1aDB2UTQ5TEtzM2ZWU2FHU01wLWI5d0swRVh5clRnNU9oVF9sb3hYc20tek9Ja1VGZEptaGtlbUd3THlSZ0xzUHVLYzRKNkQzOHc1YlE?oc=5) · PR Newswire
- 2026-05-14 [Prevail Bank donates more than $3K to JA of Wisconsin - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMingFBVV95cUxQcE9XZ1EzSVBJbFd4WkRiT0N3LThOSThxRW4yb19rTlp0UmFRaW4tSWQzTFd1VjNBbk5mLUNrZHdzcWo2OWFyTGxVcS1wWng4Q0tyek9ZME5sNWVuR1FlUjRTZF9FaFczU2t0WUlqNG9Od2xyeE9nRU85M3U2RndISW8zZUZ6RXQ1RU1pQVNyakpIWXQ3ZklBSEEzNXFDUQ?oc=5) · Wausau Pilot &amp; Review
- 2026-05-14 [Prevail Bank to host free Community Shred Day - WEAU](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdUszdVNQVXJDQk1WOVJLaWFFMGNmcllrRHZYMjBwS1F6N0VqeGlWSm15Y1VObW5mNnJ4NUhmVVdrTkVqMzBHRWw2WXZLX1owWWFLcE5QclJkaENzNlhIaFJzbGVVLXdsYmx1bkNVUDdLOUpySFJockxHaFNzVTd6ONIBlAFBVV95cUxNbElSNU9kQXpvb09EMVI5NWE5NkxjSHVaOVgwRmp6TnVPVG0yQURWRmVSN3JXMzZLWWFkaVlkOUU0eWZHYmZndDNBT2ZlaElyQUlpVkpvZmxvRlFEYzFDU0hKLUNTME1la3N5RzB2Rm9DWlVGMWlxSGlFZldQbXkzT3EwZDJHLXhXTW13TjNFU1dVTkhO?oc=5) · WEAU
- 2026-04-29 [Prevail Bank in Wisconsin Rapids offering free document shredding event - WSAW](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNY0RzZnRDalJUb2lpSXI3clNHbGRCSFI0aTVzWlFiMGhHR2E3Z3JuazF3d2gtVEMwNWs1WW9OZS0tRFJqcjYzeTduVjZ0TWhCdWhRZWgwTTk3WDZ0dzNaYVhFeDh1R28yX2kzM2NBOG8zd2daOGJxdVV0Mi1tb1lfeHk4RHRERG1oVXduZmZrbTNXRGZNbTF0SU81N3c2ZjdzNmRTcWltTmlzT00?oc=5) · WSAW
- 2026-08-20 [Jack Henry's AI tool saves at least an hour per fraud investigation - stocktitan.net](https://news.google.com/rss/articles/CBMitwFBVV95cUxQOU5vc2d6RXdzSF9aR1VsTllRMzRkaXZrXzQwUVhEV2VTaUdhdVk4X21zOFNpZ0d6NUVzcm1vSUp5RTZ5R1F3VDlYUnlWR3J6Wkd3OWU2ZXZEU3NveTRxbk4xd1dfM0pUNG8yRmE2UF91RHpSd2kwamFiT25qYW0xNHNHeU0tLURqcFQ1Y2RFRkN3SmlWUWlRLUhCQmNFR19oQ1RBdjg5VHQyTGhlNVptUkowQ09DRHc?oc=5) · stocktitan.net
- 2026-07-09 [Recycle electronics for free July 23 at Prevail Bank in Stevens Point - Stevens Point Journal](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQOGFfaDlBcHRZRTQ4WmI4eHVvTVpYX25WaE9CN2x3WHAtWXdFZmVvS2hlSlliY29adkM2RVBlN2pjM2tMM3ljUWFtYzB2UGJ5QmN1T19jWUs4NXQ0M2FqT1Fvb1JjS3VXaldLV3hBdHZlTjFOTTduTlBUMXBqNThGdFFjVzVubWF6dklUMW1LT0RidFVGN0xOa3dnUElTMGRnSEpuTGZKS3Y3ZzNTQlNQLURITFh2VXY2NjdWWGxVMlp0RlRrY2FiMXpqOGRVYzIzUTJoME8tbE9QenZLcEFR?oc=5) · Stevens Point Journal
- 2026-08-20 [Prevail Bank Partners with Jack Henry to Drive Growth Through Open Banking and AI Innovation - FF News](https://news.google.com/rss/articles/CBMitwFBVV95cUxNMGF6WThyNmV2b1hFMVJUSVNURjl2RW8zT0M4U3AyYTJzR21CWDZmamRha0RhUk91Szc3QjFmOXR2RGF4dHplNnNfVGg1WFJlWno1dGt6azBhTHIxWExIT2NoZVoyRUtxMS03d0lHQlIwbzltUUxDUDcxYjUyM0hTSm81ME43Z19ZNV9HNl8wNjVmdjNGb2xkV1pER1MxLW13UEUyMnl6V245UFg0OFNMbmUtc0plVjA?oc=5) · FF News
- 2026-05-16 [Prevail Bank awards $4,000 to Central Wisconsin Symphony Orchestra - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMikwFBVV95cUxOMnNTNi1Ia2djTVBxQXVId0k3U1VWN0lET1JKWWlvTXQyRDRaSWh1SE1lNmxyc0xFVW9nVlhLcEw5ZGlFZjhUakZuQUVBUVpWQVFNQmFqdFZuMWh0dlJwMi1JWTdRczllSUZSVC1JUzRCV2xzRVdxcXZXMmpGOEthY3NMRjFSM3FnbGRpNTd6T1d6UE0?oc=5) · Point/Plover Metro Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29294 (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/46.json (key "29294", 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