# MIDDLETON COMMUNITY BANK
MIDDLETON, WI · FDIC certificate 33978 · asset band $300M-1B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $304.4M | |
| Deposits | $258.6M | |
| Loans and leases | $176.9M | |
| Total equity | $40.2M | |
| Loans / deposits | 68.40% (p23 of band) | 83.04% |
| Liquid assets / assets | 31.40% (p68 of band) | |
| Uninsured deposits / deposits | 13.81% (p22 of band) | 20.72% |
| Brokered deposits | 14.88% | |
| Wholesale funding | 15.76% (p84 of band) | |
| FHLB advances / assets | 0.33% | |
| Tier 1 leverage | 8.28% (p7 of band) | 10.16% |
| Unrealized securities loss / equity | 0.77% (p85 of band) | -0.46% |
| AOCI / equity | 1.30% (p91 of band) | |
| ROA (annualized) | -0.19% (p2 of band) | 0.90% |
| Net interest margin | 3.37% (p35 of band) | 3.57% |
| Efficiency ratio | 108.19% (p99 of band) | |
| Noncurrent loans | 0.93% (p65 of band) | 0.63% |
| Net charge-offs (annualized) | -0.01% (p17 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 14.94% (p22 of band) | |
| Auto loans | $301,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2012-12 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 2 | capital falling | wholesale funding >15% |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 3 | wholesale funding >15%, capital falling | charge-offs p90 |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | reserve under noncurrent |  |
| 2016-09 | 2 |  | reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 6 | capital falling, losing money, expense ratio p90, reserve under noncurrent |  |

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

- 2026-07-14 [Obituary information for Charles Albert "Chuck" "Charlie" Thieme - Gunderson Funeral Home](https://news.google.com/rss/articles/CBMikgFBVV95cUxORWlBdGhwb2JUTzNxLTlmNlVoMW13b1YzLVBLTGliRUpGdC11N1JTck1BNldWZ3Z3SXFrN1ktV0FuMmlBWFpIdHNoYUNta2RqTWhrUldtYzBsOXNuYV9CdFpNNzhMejJPLTBHb2RBVWsxUU5QVUZNRzhSWFJ0a0tfdXdHcVNzSmlXVVY1OG5IelNrZw?oc=5) · Gunderson Funeral Home
- 2024-02-23 [Neil J Williams Obituary Jan 2, 2010 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE1FbVNKMEZFS0xXMFU2a2MtTGhTdm5SSUNRR2c4bldkbkZfbnJ3bmZxRWJKLWNoSXlUOUgta1BEdTF1RW1EblZlTGFNTlYxTVlyTlk4XzZjc2RJWUdkenBJRllEYW9DaWFIMjZKdA?oc=5) · Cress Funeral and Cremation Services
- 2022-03-09 [Charles Maulbetsch Obituary (1935 - 2022) - Middleton, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdWY2RjBUbFZ0VFktTXFsN1g4RWZoY3R2d0x0c1UzWDBPYTNQX2hudVRaelB2QUlsaVhHd1RmRUt6OHJlZ3J2cV93bjE3WkU2SllYWHlmQTNKZmNtaWRHcnM4UzZhUGxxNlhpOHhfOGFBMDhUWS1TVmpBUjlhQWl6NENTQkFuRm9KNzl4WVpnblp5WFE?oc=5) · legacy.com
- 2026-06-18 [Charles Albert "Chuck" "Charlie" Thieme Obituary | Gunderson Funeral Home | Middleton, WI - Tribute Archive](https://news.google.com/rss/articles/CBMinwFBVV95cUxQd3ZVNmtwWGdwTDNwVzlOc3dPQThadzJDNHEwazA4eFVERG1LU0FvdVdNRnR4bXoxdVAxWTZUbTVGN1k1aFlIbHotbHRHWURrSEcwTnRDUVhsdHZnWklObUFzdFZDRHBuTTlRcWtRdlczbXBIZm9XOTZfV1NRZ0FOM2QzejJ0d2IzVEJrQzM3MkhNRGViS3F5Y29VRkdiZ1k?oc=5) · Tribute Archive
- 2013-12-05 [Stephen Marshall Obituary Dec 5, 2013 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMicEFVX3lxTE1kcDRBVEpheVZ3ZENieThtNGl0bHJ5LTlqMEhnZ3lpNGdxajN6U1ZUakpweWFHZHNYZzZQVW83VkdvcGxlb3luWlZDWDB3OFktYW9nUlUwZkFhel9ic0hmUlE3anppTkpYLUdsYkZFSS0?oc=5) · Cress Funeral and Cremation Services
- 2016-03-14 [Obituary information for Alice Mae Bemis - Gunderson Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTFBMc0MxUVlFTWFlS1BQcGZINmZHbFlaUkZwd1lhUG5qMXBwWWVicFh4eUlSbFRfZ19PZHJGQTJEdnBEMXZWY2VHQjdmbEJNaUZlWkNUbjA5Z3ZfaVpPX3BxSGdsbC1DdjdQb0NfRGJ5ak1YNXd1?oc=5) · Gunderson Funeral Home
- 2013-08-29 [Darlene Troia Obituary Aug 29, 2013 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE5wNldTRkduUEt6NjM4b0hsV082bl9wWll5M0JEZlBSRlF3dE9Pb1NSQ3JwRHlSRU9VT3RyRHhJZ0dxY2JDUXE2czZ4SjBXRFg5RFoxMng1NVp5WTlNZWJJQ2M5X3lRLXRQZFdrdw?oc=5) · Cress Funeral and Cremation Services
- 2007-08-29 [Obituary information for Ahnika Alesch - Gunderson Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE4tRkVlT1ZlQ3A2VmRKalhUWnhFWXF4QVJTVXdhVjFVbkgyZmJfdkY4MUh3ZEh1NmVKU3lmbW9fX2ZvcTRjZ1ZUaDczVVpRdFlpa2RyVi1tVEFFM1VKdGcxVDl2d2hhYlVqcE5ma09YeEo?oc=5) · Gunderson Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33978 (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/58.json (key "33978", 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