# CROSSBRIDGE COMMUNITY BANK
TOMAHAWK, WI · FDIC certificate 30516 · 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 | $216.7M | |
| Deposits | $187.1M | |
| Loans and leases | $182.3M | |
| Total equity | $27.7M | |
| Loans / deposits | 96.37% (p88 of band) | 73.59% |
| Liquid assets / assets | 10.82% (p5 of band) | |
| Uninsured deposits / deposits | 8.41% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.14% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -6.45% (p51 of band) | -6.57% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 1.27% (p56 of band) | 1.17% |
| Net interest margin | 4.51% (p77 of band) | 3.93% |
| Efficiency ratio | 65.72% (p50 of band) | |
| Noncurrent loans | 0.28% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | 384.91% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 69.31% (p87 of band) | |
| Auto loans | $3.2M (1.78% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 0 |  | losing money |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 1 |  | deposits shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | uninsured deposits leaving |  |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2026-07-01 [Community supports new Athletic Park scoreboard - Merrill Foto News](https://news.google.com/rss/articles/CBMilAFBVV95cUxQWXNESVE3RHYzRm10eGdIajQwQjhfVmVCVkZYalRySkdaRzZsRWh0am9rdjBGMVpJRmZhc2EzSGVfSl9UNDRmUDJGUE16VEJzamx1LTZWQ1kwdjAySEJzUTVvaVI1ekNaSGFlMzdwc2QyVlMzeEJxc2lDWEQyN1ZwTmJ3U0pVT0x4S0FZZGFoSXduWXZO?oc=5) · Merrill Foto News
- 2025-08-27 [City of Tomahawk’s 19th annual Dumpster Day slated for next weekend - tomahawkleader.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNSVlnOHJyV1dBZFFYWXJKQlZSTW81c3JRQVNvN1p1ZVBibXVJcHF5QnkzbmxUY1lVMDdnMUhfRnlZa3Nic0V6TVdiOFV2Zkk1dVBpQWMwWGZLczhZSGw2OGtMVUVQZ1llYjRzQ3RNLU9XVTNhLUhLUUJFUHo5UjI5NE5SWnBSMGJRejBRNy1jQ2NDbU90QjQyLUxsd0lSLXpOZmFfMHNCaElKQndu?oc=5) · tomahawkleader.com
- 2025-02-20 [Jake Patrick Van Hefty Obituary Feb 20, 2025 - Nimsgern Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1Jb2dYNkdkZFlIdXVHS1BxNlFxVFFtdm9Fb3IzM2RPZTdjR09hSFZGVVdZMkR2Y1RKXzRySGFMNGtfR0xmcXd1eU51LUFKMnNpRk5YMG54VUJXLTVZaC1OM0NPdGdvLVlf?oc=5) · Nimsgern Funeral Home
- 2026-09-03 [Gazebo Nights wraps up 2026 season with final two shows - Merrill Foto News](https://news.google.com/rss/articles/CBMinwFBVV95cUxNU2pZZkp0bG9XZkZnQkFmSmVySDdaREJWaGs4Q2VRWGlIOEJqX3p4X1VIVE9JTWZ1OEtKZzVNMnJVQ3g2eFo3YWw4UXpGUnJxNGR6V1VKS0RGeXlIZUJQc2UwNElBWUpscFA0ZzN1OWhNazFKV1EwbjRiLS1jZHpOdUszaEtoUG9GNGx2X25SV3BXcnZ2NnNSTWY4SUU0Tkk?oc=5) · Merrill Foto News
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2026-05-26 [THS Class of 2026 scholarship recipients announced - tomahawkleader.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdzZ5MmpQZ1BYVXRQY1JIVFhGbzlGMnVvMURIYUNQZ2RubG1SaFdKUDdoLVZfczdoTUxrRUNRUFFpRm1LNW5HRUduNEE2T2RPaTBIQ3g4T1FTWWNSUDY0UXEzenBNSE9uTjBqb0c2czJ1WE5LeE1XQnVYNWF4MVlRVjBWWW1BUzZvQUM2TUlzR2loYUpkWUF3?oc=5) · tomahawkleader.com
- 2026-07-09 [Gazebo Nights kick off tonight with Cougars headlining - Merrill Foto News](https://news.google.com/rss/articles/CBMingFBVV95cUxOaGNJNTRKLXpJU1FlUWdXcko1V0xMb2F4bjNxT1F2RzlrbFlsMnFFZzFUdmdFN3Q3U19neXp0ekRRWEQ0WFh1MHl3alFDUlNUSVRuWl83d1ZGR0RQRDVqMHV1d1B6ZzdlU0pHN3hQZVBobmZxS0NITXo2dC1EZjRPM2lwdUlhNEF4UlFONk0tbXVvdThlN3lnTHpRck0wQQ?oc=5) · Merrill Foto News
- 2025-05-27 [THS announces Class of 2025 scholarship recipients - tomahawkleader.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeEhfSTJxT2UyMFozbHlSeEprOVNQX0RIa0NZeG56aGt6X0czMGI0QkFLdnVKcmRsT1dTR3FUbzljdXZMMXVvQjZwaWh6RnhzUjRhazRNYk8tNUk5SXN1WEE1M3AxdVQ5bXlBQUhVdXgyRGlvSUx4anhKOV9mV0w2TW1SWXUzM2tNVG5wT09pYnJEZ21BY1U0?oc=5) · tomahawkleader.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30516 (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/52.json (key "30516", 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