# KEYSAVINGS BANK
WISCONSIN RAPIDS, WI · FDIC certificate 29691 · 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 | $129.5M | |
| Deposits | $99.7M | |
| Loans and leases | $79.0M | |
| Total equity | $9.5M | |
| Loans / deposits | 78.83% (p60 of band) | 73.59% |
| Liquid assets / assets | 34.61% (p54 of band) | |
| Uninsured deposits / deposits | 13.89% (p28 of band) | 19.81% |
| Brokered deposits | 5.43% | |
| Wholesale funding | 19.44% (p94 of band) | |
| FHLB advances / assets | 14.01% | |
| Tier 1 leverage | 9.38% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -27.77% (p15 of band) | -6.57% |
| AOCI / equity | -8.12% (p1 of band) | |
| ROA (annualized) | 0.55% (p19 of band) | 1.17% |
| Net interest margin | 3.37% (p24 of band) | 3.93% |
| Efficiency ratio | 70.80% (p62 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.13% (p89 of band) | |
| Reserve coverage of noncurrent | 737.93% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 25.48% (p60 of band) | |
| Auto loans | $2.4M (3.00% of loans; DQ 0.93%, NCO 0.13%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | expense ratio p90 |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | NIM <2.5% |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 4 |  | capital falling |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | capital falling |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 2 |  | reserve under noncurrent, NIM <2.5%, capital falling |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 5 | assets shrinking | uninsured deposits leaving |
| 2015-12 | 3 |  | deposits shrinking, assets shrinking |
| 2016-03 | 2 |  | losing money |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | expense ratio p90, capital falling |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | NIM <2.5% |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 3 |  | reserve under noncurrent |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | expense ratio p90, capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 6 | expense ratio p90, reserve under noncurrent, assets shrinking |  |
| 2022-12 | 6 | losing money | reserve under noncurrent |
| 2023-03 | 4 | reserve under noncurrent | NIM <2.5%, AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 5 | capital falling | uninsured deposits leaving |
| 2023-12 | 5 | wholesale funding >15% | losing money |
| 2024-03 | 5 | NIM <2.5% | reserve under noncurrent |
| 2024-06 | 5 | reserve under noncurrent | capital falling |
| 2024-09 | 4 |  | reserve under noncurrent |
| 2024-12 | 3 | capital falling | expense ratio p90, NIM <2.5% |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 4 | capital falling, AOCI drag >20% of equity, charge-offs p90 | reserve under noncurrent |
| 2026-06 | 1 |  | capital falling, AOCI drag >20% of equity, charge-offs p90 |

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

- 2016-04-01 [KeySavings Bank holds annual meeting - Daily Tribune Media](https://news.google.com/rss/articles/CBMirAFBVV95cUxPY1pUckRDWmVuY2lFMzVmdGVnV3ltY0ZES3U3T3ZJMDcteVFndFdLenpkR1R0N3lwWGxvSEFZaUpOazNQZTZMeGkwQUtFLXkxM0xBWVRsX3NDNkZ2d2F1bFVYaXNSMXlRQnB3VG9LSHplRHZmc2c5UFBGR2hORnFOei1pZVRFQ2w4Wl9LWFVYaXY3YTdEZG03Y3MxMUJfMnBUZVY2Z1JwdUxQeW9E?oc=5) · Daily Tribune Media
- 2016-02-17 [Central Wisconsin Business: Taking Stock briefs - Stevens Point Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxQNFk1Y2RXUnlRTzJ4UXI4dzQ1VlpQdjl2T0RzZElMYVdLVG9qcF9KdW9mQmo0TlpNRWN4X1NoUWxOb25LWVM1YkJJa1lwMDl5WkNqc1BxLXhoWTJfWlpGejlEVml3azVxcFYtczZvVGtwbWgxam9BZFJkU1V4ampuUGxyeVVBWnEtcnJDY2RkSG8tbmFUeDVscGxITjRWV3k0V3o0d25vVWVQNC1Ld0NJSE9ZS0FnZw?oc=5) · Stevens Point Journal
- 2025-10-13 [These Wisconsin Rapids organizations are offering trunk-or-treat events for Halloween 2025 - Daily Tribune Media](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOT2txaVBGcGVfVnZ2STZPZllMZ2FabUlKN2pfS2QtcjNoVTdzaTd6cW5Wcng3YWxXY01FRXJfcFE5TnA5YW5JUTZ4OTRHci05LWJSSzZzU2NNd0lUMm5uTVdMN0V0cnF4VThWTDV5WFhJTEszV0FfX1RnemdySmJBRjBQa2hfWDgtMHZIZWJFSFFaYVAwX29OcGpPbTlpemFPblFMaHRFOVgyeld6OF9pVFg2N28xSmpMWXUyMDZ5cDZReS1teEc4Z0tFSENTcDR4UjlESEV1Nmk1eE5PaXhFcjZRQjBSbnZULWxyZkxkcExGMzZwR1NIY0xKeklOdw?oc=5) · Daily Tribune Media
- 2024-12-05 [22 events to visit with Santa and get a photo before Christmas in Wisconsin Rapids - Daily Tribune Media](https://news.google.com/rss/articles/CBMiggJBVV95cUxPT3RVdll4S0NsQ2ctZWNMQmp3bzRJREs5NmJoY3BZS013blhCZnN6NTNnbEVaYmRjWXpXOHViRDZkRGdPT0QyLXUtblF1V3libWZBVld6bkEyOUNmNU5YYko4Y2ExaG9JcHNtc0NrVWRvQXFnd05vQ0ZRTDlMa1ZUeHZESzNKaWlTUG5sUHIwcmhGN2NmbjBuSEdTU0FqNXJXcHhvSDRNY0pmdkVUOUlkQU9VWHk4WVRIWHVzM3RqTHFJVjBoX2pXY2xza29tV2g0RjlxTWNJSzZpX1dWa3JnS1kyUTZvZ295cUU1UW5lWDV1amdrV0lBMVdJcjlMYlgzbVE?oc=5) · Daily Tribune Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29691 (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/59.json (key "29691", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide