# WOLF RIVER COMMUNITY BANK
HORTONVILLE, WI · FDIC certificate 34240 · asset band $300M-1B · 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 | $385.8M | |
| Deposits | $297.6M | |
| Loans and leases | $318.8M | |
| Total equity | $46.1M | |
| Loans / deposits | 105.36% (p94 of band) | 82.04% |
| Liquid assets / assets | 13.79% (p13 of band) | |
| Uninsured deposits / deposits | 28.26% (p60 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.32% (p78 of band) | |
| FHLB advances / assets | 10.32% | |
| Tier 1 leverage | 12.42% (p73 of band) | 10.81% |
| Unrealized securities loss / equity | -1.68% (p81 of band) | -8.10% |
| AOCI / equity | -0.26% (p55 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.28% |
| Net interest margin | 4.70% (p87 of band) | 3.91% |
| Efficiency ratio | 48.99% (p16 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 3365.41% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 63.37% (p67 of band) | |
| Auto loans | $3.1M (0.99% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 1 |  | loans exceed deposits |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | wholesale funding >15% |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2013-09 | 0 |  | wholesale funding >15% |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 | loans exceed deposits | capital falling |

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

- 2026-02-10 [Wolf River Community Bank Earns Statewide Award for Fraud Education Efforts - TCH Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNjByWEt4MkpOZ3MwRlljRFFrOUV0Y3BYa0JaR3BfUTFCM1FSS3llOG9hX1JKQk9JWDZ5R3Z6RVhwU2ZsdmF0RmtsclI3MkZwQ2JFV2FiVnZUcWlJWnJjWnptM1pjWV9GeGZxeTlhTGdtYTZNWW50bUxMNTZXaXo0Y1pwT215UUtqaTJsUHp5VWpvSi1NUjZqMGk2LXgzcVd4b01xRDhQMmU?oc=5) · TCH Daily News
- 2026-04-24 [How to Help Communities Impacted by Flooding - WHBY](https://news.google.com/rss/articles/CBMiUEFVX3lxTE4zbkVkTldFNzl0Z0JHRTNITGtySVAya3VGUjlYdVZvWFAyV0owQk1kVUs4OW9UanJpQTZ6VEh0TWxaMUh0TEtwSWNCSzlrY0NV?oc=5) · WHBY
- 2026-04-25 [Shiocton bank holds cookout, gives free meals to volunteers cleaning up after flooding - WBAY](https://news.google.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?oc=5) · WBAY
- 2016-05-01 [Police focus on banker in unsolved homicide - The Post-Crescent](https://news.google.com/rss/articles/CBMipgFBVV95cUxObmtwNmw3dUw0ZE0zTnNvME9qYXVhNUFMeEtnMUU5YkpaVGVtdWZqRC10YlpSUl8yeERUT3d4ZFBCZWI0X3VWLUxYM1JxYTM5N1dqeFdiQnIyeTdMTkFNR21Lalk4MkxQdW5GMGp6dWVhZ09IUE5SS2VLbnNXUS1EOFBlUEhRMDBBMzdHLTl0UkhBV1pOZUdBTW5LU19ER09TRUlGczZR?oc=5) · The Post-Crescent
- 2022-05-20 [Hortonville library debuts new children's area - WLUK](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQeklhWlluRjVSa0VmWTBMOHRfRXR5d3V3bU0wQm5KQVViNzB0NFJ2R2Zibi1YMFJzdzV0Yl9WQkZTQmxyUV93azFyS3J0MlhhOXFENFFCeUJ6X0dWTHo1X1hEcHBCX3ZOMHhHLTBsY0hoQnEwdDJlR3cxYWxDMU5zYi1lSDh4TEtqMmVKUlVDWng1dEhGYVhSNkVaRUJwd3J2MHZTbGdmdmYzbm1zSVFBRlFWQTA5TDhYZU01TENmZ2I1aHFwSmtucQ?oc=5) · WLUK
- 2016-05-02 [Appleton police focus on bank president in unsolved homicide - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNdmtMNEprRG8wTGpqdXdzckVRS1JFdVJUbFE2V2xWN1V6Uzhqcm0wX09Fdnk3dFByOHpLT29sdlZvWVZ1Z1g3OG1xX1QzY3F2eUowYms2N0lHWXNENWUzandXQ1pqaHVxRVBiMnVGdFFaRjBrNDhTZXoxWUhLWjhIanpzVEZDNWpMdUNCdkw1eFBqY1dpQVFScnNkV19BQnNTS2NvMzJDQVVqX3g5WHpmMUU5Z1lRbEJLZF83VDNld0U?oc=5) · Milwaukee Journal Sentinel
- 2006-11-15 [Connie Jean Boelter Obituary Nov 15, 2006 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTFBrRjJwazl6ekp2RXdhZjE3R1RTaldTa1h3ejJVZ0FKRDNMTzQ1VWs4R1BMT3JRMkFXdzVxb0JJcDNRMW5uNFB0Y2xQY054MHdHM21lR3pGaGwtS1RpMFNqbV9RTTFVU2pIWW0yOURR?oc=5) · Konrad-Behlman Funeral Homes
- 2016-05-02 [Appleton Police: Person of interest developed in Boelter homicide - WLUK](https://news.google.com/rss/articles/CBMirwFBVV95cUxNcUdrbU9TckxuZzhUWlZseGRrNDBfaXBjalB2VVlTU0JGaHU5Sy1IVlE4S0I2SV9BYlgwTDFkTlFWNmJEU0ZrcjdtVTduNHV4WTJwSjA4ZWRraWhLbGE3THZNNTVYU0ZpLUlpWFFnenNTY2JWeUE5TlFFVVhuOENaRVFPdkpxLUpCNWR4YUVNNVlEMmR2eTB5YUhXRVZXVEpnalJhSDVoMjVTRFQwT25J?oc=5) · WLUK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34240 (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/0.json (key "34240", 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