# EAST WISCONSIN SAVINGS BANK
KAUKAUNA, WI · FDIC certificate 30313 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $265.8M | |
| Deposits | $226.2M | |
| Loans and leases | $187.1M | |
| Total equity | $14.2M | |
| Loans / deposits | 82.17% (p65 of band) | 73.59% |
| Liquid assets / assets | 23.93% (p30 of band) | |
| Uninsured deposits / deposits | 7.52% (p7 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.99% (p83 of band) | |
| FHLB advances / assets | 8.81% | |
| Tier 1 leverage | 7.13% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | -20.68% (p22 of band) | -6.57% |
| AOCI / equity | 1.84% (p98 of band) | |
| ROA (annualized) | -0.39% (p5 of band) | 1.17% |
| Net interest margin | 1.93% (p2 of band) | 3.93% |
| Efficiency ratio | 111.18% (p96 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 1011.11% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 89.74% (p92 of band) | |
| Auto loans | $2.0M (1.06% of loans; DQ 3.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling, reserve under noncurrent | expense ratio p90 |
| 2017-03 | 1 | expense ratio p90 | capital falling, reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 1 |  | uninsured deposits leaving |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 3 | wholesale funding >15% |  |
| 2018-09 | 4 | loans exceed deposits |  |
| 2018-12 | 3 |  | loans exceed deposits |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 1 |  | wholesale funding >15% |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | NIM <2.5% | expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 8 | leverage <7%, capital falling, assets shrinking |  |
| 2023-03 | 9 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 9 |  |  |
| 2023-09 | 8 |  | capital falling |
| 2023-12 | 7 |  | assets shrinking |
| 2024-03 | 7 | capital falling | uninsured deposits leaving |
| 2024-06 | 6 |  | deposits shrinking |
| 2024-09 | 3 |  | securities losses >30% of equity, leverage <7%, capital falling |
| 2024-12 | 5 | leverage <7%, securities losses >30% of equity |  |
| 2025-03 | 5 | capital falling | securities losses >30% of equity |
| 2025-06 | 6 | wholesale funding >15% |  |
| 2025-09 | 7 | construction >100% equity |  |
| 2025-12 | 6 | deposits shrinking, uninsured deposits leaving | capital falling, wholesale funding >15%, construction >100% equity |
| 2026-03 | 8 | construction >100% equity, assets shrinking |  |
| 2026-06 | 4 |  | leverage <7%, deposits shrinking, uninsured deposits leaving, construction >100% equity |

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

- 2023-11-06 [LAST CALL is over! And oh my gosh, there IS a Santa Claus! - WBAY](https://news.google.com/rss/articles/CBMiigFBVV95cUxNQ2R2WW1oQkhMcDZrZjR5cW1qVnZYd2w2cVFmN3VvZzdka2xGX2h5aFAwU3ZqVGFKd0E0WWpqQWxqNV9rajZINEtLczBFVVNtdTRBeU0xVEN6Y3VQTUdmWUZ5R05wYzE1SVJhY0tSbHNnMXkyZWRpV1IzaWgyT0UtM3JhVFZYN0Q4MWc?oc=5) · WBAY
- 2022-12-21 [Wisconsin Mutual Investment Group: Investing in You in 2023 - WFRV Local 5](https://news.google.com/rss/articles/CBMiywFBVV95cUxNeEJqaWFTclpKb3A4RE5TT3VSc1BoWmlKSjkzajNtUWhnYTExNXZhVmtVbUtKVzVWaUxqMHczTmxJWk9uc19xQ1MwS0tacVljb3VCSVhUM3ZsQjNISUVCS0dkVDJKWEowcjB1MmFYOUJFVEU4Nm1BbVlOZWF2RlRmRlZ4aDBtektNNHoyYnNYakdjdk95NE1sd1NOaHVrU09HaU91alVsa2ppZVJfU1g3alU2eVNpajNHandiVmtPN245UlRZOTAzM2pXWdIB0AFBVV95cUxNVkNUV0djZ3RHV2dVeTdUVnY1ZDJUS2dTR3dPRlNNelhwWmhlYUw0T0k2OWMzQ1FFc3lmc2E4X25RNk8zVHlfTFhBMHV0elQtNFRvUjg4OVpxV1ZQd2pmM0pHZUNKNHgtbms5UEs3MUQ5a2h0Y0Joajd6Um9BRkY2N3E1TldzWHRUTlFGc1pvODM4RTRsN0pxQ1hsdHFueHMydUR2RzdQaUxwUkp3RDBMcWpXYTdwY0pqZmwwRzB3SGF4QVptaV9SMkFEcWZVUlRN?oc=5) · WFRV Local 5
- 2017-06-05 [Police: Woman arrested in Little Chute bank robbery - The Post-Crescent](https://news.google.com/rss/articles/CBMixgFBVV95cUxOU2labnhVQ0Q5bm9zaXBXRjRpenBWMnpNMVd3ZlEyNEkwb2RWYkk5QUhuQ2NBei1KMlZiZk5LM1preE9XRTdDOHFIRFRqNU5aZ0NYOFF1NkkyTVQtRU0wRHZ6NHQ0cUdGTDgzQUFhTWZOcUNsdTNRZW1vMEFsSVMxQVdNMkdPejRqRXFXbDduZlVGMW01OTJ3Z2dwT2I4RS1oNG9DaWFtbTFTTGtESlZHUmNtLUlCZWNHZVY2T3h2UXdKcGtYcXc?oc=5) · The Post-Crescent
- 2017-06-26 [Kaukauna woman pleads not guilty to bank robbery - nbc26.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxObk03S1BrYk1kZlh0LUVjemtOVGRIamZnSDQxWkNkbHg4WEVxQ3RmanExaGF3SEd4OWhZYVAxWW9jX1ZSeVRCRERRbHFiU1hRdE5aWWJYaGtDalliRzlEX1JWVXF2Q3VMN0VWZ2JyZzMtTVprUEx6NGZmNDdsSDlPODFpbkFXT1R3anRNZXJTSGw0dw?oc=5) · nbc26.com
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2015-05-02 [Jay C. Sauter Obituary May 2, 2015 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1NVk9LUjRrcno0ZUd5a3ZDNENCcWtSNUlpWEhFc0tJNnRucTlPYThQeVRqaWNkbGFJcDlYQmJJV19fUHBwN2prbndaMkdZbWxldXd5dFAydWduWEtJeVkyQ2tveEZISV9uN2RyQw?oc=5) · wichmannfuneralhomes.com
- 2024-12-17 [Lawrence "Larry" Casey Obituary (2024) - Appleton, WI - Valley Funeral Home - Appleton - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdml1ZVF3T3RZVDZDWTl3MjhnbTE1cU85UTFZQVFzdXhYN0hZTklzbUhiQmc1RzFtZ3ptNzV2dnVOalozUUdXQ2pVYldLSG9ocGtDY21ndHJPVzRDbS1KOHZxVVVNbDVGSXFTXzdQZFVsLWVtMXA1Y1d4UFNfNW1QaWRqdw?oc=5) · legacy.com
- 2017-12-07 [Kaukauna woman to serve three years in prison for Little Chute bank robbery - The Post-Crescent](https://news.google.com/rss/articles/CBMizgFBVV95cUxQN052SGlGX1JtNDlONlByNmhaeWRIZzhGcjFOVnpQX1BmN0dYYXE0dkswN0t2S1FxbEt0dVQ5bFRwWDN0T3N4UlRjLUZoSUw5UWtxaS02eXE2UDN3YmtEbjdDU2diVHdTNG9UQ3dWazRlU2ZjRTFwRWRVQW9iZW5KbFVuT3R2OHVaQk4zM24wZ3pROTh1eVNoZmVkMVdBeGNXYmk1eEtlakRfdW4wY1JURWlGSVFPTXRTbFFkNUdqbTFGc3JxS05sdlNtdGpydw?oc=5) · The Post-Crescent

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30313 (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/41.json (key "30313", 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