# INVESTORS COMMUNITY BANK
MANITOWOC, WI · FDIC certificate 34295 · asset band $1-10B · latest filing 2021-09 · 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 | $1.54B | |
| Deposits | $1.22B | |
| Loans and leases | $1.02B | |
| Total equity | $207.2M | |
| Loans / deposits | 82.55% (p71 of band) | 74.28% |
| Liquid assets / assets | 28.88% (p44 of band) | |
| Uninsured deposits / deposits | 28.55% (p39 of band) | 32.26% |
| Brokered deposits | 10.26% | |
| Wholesale funding | 16.62% (p92 of band) | |
| FHLB advances / assets | 5.53% | |
| Tier 1 leverage | 13.37% (p92 of band) | 9.58% |
| Unrealized securities loss / equity | 2.74% (p82 of band) | 0.34% |
| AOCI / equity | -2.20% (p23 of band) | |
| ROA (annualized) | 1.63% (p80 of band) | 1.23% |
| Net interest margin | 3.44% (p65 of band) | 3.24% |
| Efficiency ratio | 55.45% (p36 of band) | |
| Noncurrent loans | 2.75% (p97 of band) | 0.38% |
| Net charge-offs (annualized) | -0.05% (p3 of band) | |
| Reserve coverage of noncurrent | 38.42% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 12.60% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 12.1% | |
| Employees | 174 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | reserve under noncurrent, loans exceed deposits |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 | reserve under noncurrent | capital falling |
| 2013-06 | 3 | charge-offs p90 | reserve under noncurrent |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 3 |  | uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | loans exceed deposits |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 6 | capital falling, noncurrent p90 |  |
| 2016-03 | 6 |  |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 4 |  | capital falling, noncurrent p90 |
| 2017-06 | 4 | charge-offs p90 | reserve under noncurrent |
| 2017-09 | 4 | capital falling | charge-offs p90 |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | reserve under noncurrent | loans exceed deposits |
| 2018-06 | 4 | noncurrent p90 | capital falling |
| 2018-09 | 5 | uninsured deposits leaving |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | charge-offs p90 |  |
| 2019-09 | 6 | deposits shrinking, assets shrinking | uninsured deposits leaving, charge-offs p90 |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 4 |  | brokered >10%, assets shrinking |
| 2020-09 | 5 | capital falling |  |
| 2020-12 | 3 |  | deposits shrinking, capital falling |
| 2021-03 | 4 | brokered >10% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |

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

- 2021-07-12 [Nicolet National Bank acquires Community Investors Bank - Brownfield Ag News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb0g5T2c0WlNtcUpZM3JOdjNYVXZjUF9na3dwYXp6dHJKVHRRZ1A2dG8yNzg5WjFNalpLdlBDZTE1aVVERmE4ZV9FSFFxblRKMUFnUV8zalNRNlJzRmRUYV9YZUVkZWx5UndCRjJQNEE5RWZWSUN5dkNhUmdfMmRoZWhKT3F1Q0NSX2d0cmxhdkxxWTdTdHJERGh3?oc=5) · Brownfield Ag News
- 2021-06-22 [Nicolet National Bank to expand agriculture lending with acquisition of Manitowoc's Investors Community Bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPakNmQUlPT0dkUjItb1AtMG03VmJfck9NZ3NXOG82blFvSDNqMEJBcW01UFBDSlpfMndvNUl0TjE0U0hOZV9UdW9CTWxoMkF4QW9xY2xqdXp5UnZaVC02MTFpUXdjZTRUZUltOHBxcm5SRHF1cVRQN1Z6MVhCUlpmb1JUWkg2RHQyWmQxNEY5N21hdkxiZXBxcFZyUno2SDFTM3pVdmM2ejc2R1I0WS1xSWtQZ2owcDNkM2NqcUVEbl95cUN6NG5XTlBBNHJ4aDhlVUFr?oc=5) · Green Bay Press-Gazette
- 2018-03-22 [Manitowoc's Investors Community Bank had another busy year in 2017 - Herald Times Reporter](https://news.google.com/rss/articles/CBMiygFBVV95cUxPbkx3Wk5QUkUzTUhFcm9kRzZfRE9VQ24tcnpzT2hzT2hJRjJ4cWxUeW1qbjRISEtKVmUtN05LQnZpY3NBQXdwWjFQMGJwODNzWWw3eWdHeTR0YVVRbk9kUEVUa3plX1FvNXhQNWJPRy1PcnEtY0FDU29tdFN6ay1xdWxsblU4czd5dWFKVFVqZlZONVpmR3pPZ21KX2t1cjB1d25wRG5UUXhxdjBOVFVndGVISXQ0TDlkTDhVbUFFOGZfQVE1ZTV5TURB?oc=5) · Herald Times Reporter
- 2022-09-29 [Former Investors Community Bank CEO named new president and CEO of Bank Five Nine - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOX3B6OFNnS1RjcDZhV1pLMnR6YngzOU0xZy1iMUFiZWhVcG02RWlTV21JVndiazB2VFB0UFkzWC1QaEN3NzJoNWZMalBtVFA2Y21ZbkFkb2NqekJsN1BEX3phT1g4bHhEekRJTEZuWWZpYlZiLUVyVWNCdDQ0N0VHVjNhcU5zOE4zQmFoeU1laHdGQklvQWVzMTFTTjRsN3p4c0l3YVJn?oc=5) · BizTimes - Milwaukee Business News
- 2020-11-12 [Investors Community Bank Welcomes Julian La Mue, VP-Market President, Green Bay - GlobeNewswire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNZll1TU5XdVJYc2VlOUhKM1JCV2J6WF8wdTJkMm92VE5WQVV0NEVUVHRvMGFMSE52dVVyQzRYX0pVNWJ3allWYnN3S0FHWGJ2aDdISl9QSVlTbHVxTHAta0pSWExhbVZXTWhiRktlZHhZcTlOVnZ1M2w3Mm5uRlFsdWliY1J1ZEt4Z3p1XzhEcFVzTlhuZy0xVXFjLVZzU0Fodmt3MkFCNVhXUkJWRnhhaE1hQTAwR09NU1prUGI1ODZKUHJyQTg1UHZoUnUtTU1VaVM4ZWQ0MDhCWHBxa2FLcy1pWFJpT2tP?oc=5) · GlobeNewswire
- 2017-06-23 [Investors Community Bank's Chris Schneider appointed to boards - Herald Times Reporter](https://news.google.com/rss/articles/CBMitwFBVV95cUxPX0tlQUNZOVlKMDNQemkxTGR2dEUxMDk2NkFxdnFNTDBSTG5jOXJXWU43eng4ZnBBd3pDQll0dmdNM0sxLWVRNGdWNkRpQkVMX0xDZkVNRnpqcXlfb3FqSjh5WDQ5NUF0ekY4WUFrcV9DajlLZ2FOb095cjdsU0ZWQmNPeXlCdUVaeW1oWWJpcEJucml2UEVrOGY4MDM2SEFiUUY4aG56eXdhLUExay1OMzFZZ1N1UHM?oc=5) · Herald Times Reporter
- 2018-02-28 [Investors Community Bank names Leinbach to Board of Directors - GlobeNewswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxNYWpxVUpTaWkybnNkYWZOVks5SERFd2JfbTFscjBYd0FwckhzNzE3WmdfUm5zVDA0eEk5YTRzWmI4NExNel9XSVdySm4yN0prUHh1cG9oM1lKdlRfVTBGWUpSTXczUTJhNFEtbWhLTzBPX1FUQURqV0Fybi04WG1HT19kMllhdGVEdHF5Nm1PLWhkU29qeVhfeWlNQWFuVWZqN0Fxd1hyRVA0NGU1TjUtXzJEVUF5VXZBN3VOcm9FNzZVWE1BREM2VUVkS0U1Zw?oc=5) · GlobeNewswire
- 2017-03-28 [Progress: Investors Community Bank marks 20 years - Herald Times Reporter](https://news.google.com/rss/articles/CBMivAFBVV95cUxPSE0xOXpiS29TbGc5Tk93a0ZuWlRsYWMzemFFTUc0c0ZGY21LZk5jOW9DZ2U0RWN0R09PVHFpMlRZaVYxc2RaU003RGNiUkxLbkgwUl9KV3AzN3BfOGVXMTVJZG02U2RrZ3pmc1UtWDJuTGVhTnZ4alZPNWhFYjlkNmpGU0wtQUxWa0NOdkNGSmNyVjZDVTl5bFpRMnZuOWp2a3hkYXNycThPLUI3RTd4b3h6UWJSNGtsSFBlZw?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34295 (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/55.json (key "34295", 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