# MILTON SAVINGS BANK
MILTON, WI · FDIC certificate 30426 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**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 | $15.1M | |
| Deposits | $13.9M | |
| Loans and leases | $9.5M | |
| Total equity | $1.2M | |
| Loans / deposits | 67.24% (p49 of band) | 67.95% |
| Liquid assets / assets | 33.29% (p44 of band) | |
| Uninsured deposits / deposits | 0.38% (p3 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.55% (p9 of band) | 9.95% |
| Unrealized securities loss / equity | 2.16% (p44 of band) | 2.77% |
| AOCI / equity | 1.04% (p94 of band) | |
| ROA (annualized) | -0.62% (p6 of band) | 0.78% |
| Net interest margin | 4.12% (p71 of band) | 3.77% |
| Efficiency ratio | 114.91% (p95 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.40% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 83% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $134,000 (1.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, losing money |  |
| 2011-06 | 3 | expense ratio p90, reserve under noncurrent | leverage <7% |
| 2011-09 | 4 | leverage <7% |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent, leverage <7%, capital falling |

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

- 2026-07-02 [Milton Savings Bank names new CEO - standard-journal.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQMVlrTDByS2RYckRXVzdRLTZKeUtMcXA5N1F1YldHd0dNb1NwaWdNUURWVXo0c3J1MTNSVHZLdzM5ZzE0M29hS3NuZEpLU25FOTFCUkVUZy1sVExnVVNYelk3R3p0TVRYc0ZaRk9yM0RuRnBGelhYRlVoZzlzc2ptRGhjcFZHRG1Da2RjVE52bTNVbGxlaWkzbGhpdVF2X0FfQUJ3dENJaUN0Qm9FMlZCY2Q1anBHT2lfYnBmUWNKd2Y2NFFQamc?oc=5) · standard-journal.com
- 2011-10-27 [Bank of Milton to purchase Milton Savings Bank - hngnews.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNM0ZpYTVpM0gyVVBiVnJsMTJtbGtGRUl4cjdBbGZVZUNzM3I3SmRXTUZBbHRCZDh5VzlBOEpjbDFLQU9SSVlFOVNzTTdaWGhmYzVPVXVsVm1Nc3VxQXRKbnF5aXBTZ2ZXSnlObklwVl9abkt3MG1OajNyNUM0ZXh4N0VVZ1lrQkNkUWoyTUQxNjBFNGRtaHhmNjBDWDktZnZSb1pwWERVdXFQRGdaUl9WcUY2b1FDQVZjMDBVNUFvdXI0dHFaRnIyeHQ2ZFlMMEh0SU1JREJJZw?oc=5) · hngnews.com
- 2026-05-01 [Joyce A. Rice - GazetteXtra](https://news.google.com/rss/articles/CBMiowFBVV95cUxORXUwbVA4bzZqNVJGQnp1RXhQUnNKenUtaS1nejI3eVdoS3lmVlhjOU5MZG5fSUhzVWZtMGFpdXhWWjNjRTRDZUhNQVJBVy1BYUtFV3FSRGVsWmQzMExtZFJIX3U5M2M0QlJVTTFGc2ljYjdlZFVJYnpGWXBESEZZMXczdFU4c1dFbHZmdVRJcnN0djVsTFBLVFRaNVlldkVEenk4?oc=5) · GazetteXtra
- 2026-08-12 [Supporting the Boogie on Bound - standard-journal.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQQ3BwcEI4eWdVRmRxRmMzNEJhQnlKUGRuSnRaUFlIR1ZESHh5MERmYThXZjBmWURWT2lsWDVYeTUxZWkzbjJYR2hFdkRFc0dkalY3ZDRjXzhvSXpVODg5SEZDZ25DOWJwaUdXVlFNUFBJTWZPTnA5YlF5UnAzT2NsVXlqQU1XN2NBNDJKQ3dCZ0N3Yk9odVMta29HUDhRMjFyZldKbmFoeGtydmRaenZXVm8wbk1BVXgybWZGTm9zaw?oc=5) · standard-journal.com
- 2011-03-30 [Milton-Area Athletic Hall of Fame inducts Class of 2011 - hngnews.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNVzF4b2NlZ1M3d1NWTVpwUkJacUxkU2RKa2N3emdqbjU5S2MybHFHMnJHSzQ2ejRIVXUycklwSEU1RHVic1hHaURKcUFycjQ3azgwZHJSMXpNUkhzQlp3cDUwWmNzbXZ5cTV5TnZTZmR6bWN6TEpSLTF0aGFDNkRnZVdrUlFtMFpsV2RZOFJnVVdyYmVNb2dxcTRzcHAwZnNSQ2k2Nlc2V0g0cEFtT1N0YnNwSXRSLXdJcEE1bTJ5c1g4emh6REQzcDhCVkhSczBIeTRiRlkzakJBMERkTnVsUGxOaw?oc=5) · hngnews.com
- 2013-11-13 [Milton City Hall back on PD expansion plan - hngnews.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOb1hSSU83bTRTYTZJN0JsdkxUM1FhemxQVksxcjIyb1hFaUI5NmFyaUpJODFsSUFnYXAwRk5JOUtrR0t3MWJMRUZIMXNSbk9jdTc4Wjd1WTBwTk5SVkdxbVpEcGRGeVJxSEF0T3k2aXFnZWJTT181VGhiQTJpREdQdV94Y3dhY2I2OXp4SDhXR3BaSzVqTjk5Unp6VVM0YUUxeGdDU2xBdUxFbW1LbndsQ19vTklOc19WQWF3cjdoTDNiMnhPRG9IY2FvY3dxWjVNYmN2QVNvclNDMDBBN1BZdg?oc=5) · hngnews.com
- 2025-02-27 [Felonies filed in alleged identity theft - standard-journal.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQdzVzQ1d1bXo1b0FTNTNtR3MzUXBJaC1rT2FQSGpydExHQ1o0VjJtSUNTN3RWQVRiU3kyNW1BUEl3WTZ0aDZ3ajZmOXpXSWZ4R3VZbnpQWG1nZzJxcTg5WDdPYzdxbzNDWTVfOC14N1pPWk15dWdYeGFQa3ctVEwtSkNLSU9XelkwbjZwN2FHR2RuM2lZeE16MmtTRDJPYjRTRHFXSXhPcmpsaVRvM0dnNVNyUWszbmJJRGJtRmdZbFM3akY5Z0lUN2pmSHV2WE0?oc=5) · standard-journal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30426 (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/26.json (key "30426", 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