# WISCONSIN RIVER BANK
SAUK CITY, WI · FDIC certificate 33880 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $180.0M | |
| Deposits | $146.0M | |
| Loans and leases | $139.0M | |
| Total equity | $25.3M | |
| Loans / deposits | 94.15% (p86 of band) | 72.20% |
| Liquid assets / assets | 21.28% (p23 of band) | |
| Uninsured deposits / deposits | 12.77% (p25 of band) | 19.30% |
| Brokered deposits | 8.29% | |
| Wholesale funding | 11.62% (p85 of band) | |
| FHLB advances / assets | 3.33% | |
| Tier 1 leverage | 13.91% (p73 of band) | 11.46% |
| Unrealized securities loss / equity | -0.79% (p84 of band) | -13.79% |
| AOCI / equity | 0.06% (p48 of band) | |
| ROA (annualized) | 0.58% (p31 of band) | 0.90% |
| Net interest margin | 3.10% (p29 of band) | 3.57% |
| Efficiency ratio | 82.02% (p73 of band) | |
| Noncurrent loans | 0.21% (p47 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 514.81% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 49.28% (p76 of band) | |
| Auto loans | $7,000 (0.01% of loans; DQ 28.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | reserve under noncurrent | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 2 | capital falling, charge-offs p90 |  |
| 2013-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | capital falling, reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 5 | loans exceed deposits, liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 2 |  | capital falling, loans exceed deposits, liquid assets <10% |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 3 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |  |
| 2017-09 | 1 |  | liquid assets <10%, uninsured deposits leaving |
| 2017-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2018-03 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2018-06 | 3 | uninsured deposits leaving | capital falling |
| 2018-09 | 2 |  | uninsured deposits leaving |
| 2018-12 | 5 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 2 |  | liquid assets <10%, deposits shrinking, uninsured deposits leaving |
| 2019-09 | 4 | brokered >10%, capital falling |  |
| 2019-12 | 5 | noncurrent p90, reserve under noncurrent | capital falling |
| 2020-03 | 4 |  | noncurrent p90 |
| 2020-06 | 3 |  | reserve under noncurrent |
| 2020-09 | 3 | capital falling | loans exceed deposits |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 7 | loans exceed deposits, liquid assets <10% |  |
| 2023-09 | 5 |  | loans exceed deposits, liquid assets <10% |
| 2023-12 | 3 |  | assets shrinking, deposits shrinking |
| 2024-03 | 2 |  | wholesale funding >15% |
| 2024-06 | 1 |  | uninsured deposits leaving |
| 2024-09 | 1 | uninsured deposits leaving | brokered >10% |
| 2024-12 | 0 |  | uninsured deposits leaving |

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

- 2019-01-04 [UPDATE: Janesville police investigate Friday attempted bank robbery - GazetteXtra](https://news.google.com/rss/articles/CBMi6wFBVV95cUxONHd4UG45XzIxRERSQXEtT19VaFJIWnMwVGVlczBYdWNZOFg5ZWNzRmpRZkZTLUFRVndzRkJSYlJXVHZtQ1pfMHVKdGlXMUV2dDVIS1AxSjJ4SFlKWFZCeEV3clp5c2FBcjZIRUJsVXpIY3F6NEdOdEF2MDJTQ3NPZUMyYi1IbWJvTWc4RkJDUmF1VG5HdjF1WGo1MnZGMnVJUUk0bmdFSjBDSV9UTGcxV1BXMkktbFJHdmsxMmFYRUQ2NHNFRC1PRVBVOHFWd3RtU2FuQU9WTm95REJObU8ta2taYnk4U2k2c01B?oc=5) · GazetteXtra
- 2015-01-29 [Body of missing La Crosse man found on Wisconsin River bank - WISN](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbDZQd3pxbDdKLWd2MC0yb0J3WFE5YXVzSDF0dS0zN2V6dDhpWUgwWnZYTjBVYzhHMzYxUkYtdWVvOXB4WEY5eUo1NFl6OFV6dVUydjB6dHZhdzZacUV4WkZPa0FCV2NfLXdhOWphR1hCVVFfMlc5NFNIMjh3bFUwUjByREYtZnowUHllc2E0QTBGcmkzWVlhMGpmZnA?oc=5) · WISN
- 2016-11-23 [See the history of Wausau's east riverbank in photos, maps - Wausau Daily Herald](https://news.google.com/rss/articles/CBMizAFBVV95cUxNZTdlaENxckEwbW9rNkp2M3M5Mjl6MEZBT3B5alFmUTUxUWJmd0M5SFpMZ3MzeDZmUWFCdnJyaEd3VlBmSzFEajlYc2dZTEtsSzYxUW5sQWxoQ043dy1Nck1FQzVCVDRsZHliR1F3QTNxT3ZvUW1GdnZDOFFwVlktQUZ3MnpKS2VwSk5XMHhvY2YyRkN5bzJhcWxEOWl4TWFtN3ptX2JTUU91MTRDaUVzNDRHTmNnNGpkbDNrRXNHaGNMenpjLUNHdnRJM3M?oc=5) · Wausau Daily Herald
- 2020-11-02 [Man sentenced to more prison after attempted bank robbery in Janesville - GazetteXtra](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNNlZOQlNkVXZNeWo4VGdKOGtEb0x5aWUyeDctSEhaTDg5ZmpmdDZLSGZKQzNMaENnb1pUSjdTZjBlaWUtb3A3Nk5RRjBzdGJ1YjdTS2w0eThRejRfVVVFcnlWRFZEYzhkSEFURU85Y2o2Uy1USmVub3dsUy1fY2RZaUtSQWl2bTIyZmYyUmVSOHB0bmFtcHVIb3l6SWFEQ0NjaDJBVlFZOHJCZ1k4UXZSMjR2MkZJdHBpNFlBeF9nTF9PelZ6dDF3eF9KNmpQRzFneEpxeE9aZ01ISDljT1Niekp5TzQwdzdOTUJqWUdjTWVZUQ?oc=5) · GazetteXtra
- 2025-07-15 [12 Most Overlooked Wisconsin Towns For 2025 - WorldAtlas](https://news.google.com/rss/articles/CBMiigFBVV95cUxPaGxuQmMxdmdvUm1RbVl0M1lFMV9tWDJMWXpkclJhY3pjUjRjR2FpcGlxX1p0bEp3U0lWNFY1Y1F3NGRTdHNMREJLRFU1VHZhZ2FlZXNZeGhCLXg5bktadzZDTVp4cHdnMXFaYUxkQ0JCNFVYS2NuXzZOSTFlN0dkMi1XTjBEZzF3ckE?oc=5) · WorldAtlas
- 2022-09-12 [Alan Albers Obituary (2022) - Madison, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNMkRfc09IU1FzMWRsc0dCdldmYUsxVEs5N1N4YWN3ZDFtblBBMTQwQWZvbmgyQTZsQ2xLZURfMVA0azlwcllyekg0VFFFdnlHdTctZy0yaGhHRS1hRUNPQk5fS00wbkVic09YY19JWnUwU0w3SWpLbXhlSkRMcFRyYXVLLVFhZzJoN20w?oc=5) · legacy.com
- 2016-11-29 [Wausau's east riverfront: Then and now - Wausau Daily Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxNckN3b0xOdFRWNHlCcGlRbi0zNUVLSjByLXRGUnNPcUZJTkkzNElhaEJiMG5qRHRLNzRPcHc2SFJqeHpwcTVDdzBqRVpONDc2cUEteEoxZTNPdTctcFktMkN3eFpmVzVLT1A1RmwyODN3TjR1OWpFWVE2dzZLbnNMNEJ6dXBNcWU5Y05heXpDS2ZEaXg5b2VWS1FNRmFKcTJXb2lNOQ?oc=5) · Wausau Daily Herald
- 2016-08-30 [Check out the new buildings, facades around Wausau - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNZnJ4S3pFajAzeUNTVTd4ZGRTNFVvb2hMRGw2eWllMy1LMS1haDNRdXRsMW1DcXBPYVhYOGREVnM1Y0poUHZxbjBzYkE0Y2lycnpXMWdjLXpGS2tyeGU5VTRYUmhrakp4Rm44T1NvOG8zRkczdmg5X19BV3VVWWR2SExwek5hSXJPaWxKbHRYaGl3SXg1M2lncEwtVDRHZnZvTzFHT0VEZWV1di1PVFUySDBkMmpIVTI0MGtwUlowaW8yb0k?oc=5) · Wausau Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33880 (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/24.json (key "33880", 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