# RIVER CITIES BANK
WISCONSIN RAPIDS, WI · FDIC certificate 34304 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $262.3M | |
| Deposits | $214.0M | |
| Loans and leases | $184.1M | |
| Total equity | $40.2M | |
| Loans / deposits | 84.68% (p64 of band) | 77.79% |
| Liquid assets / assets | 26.67% (p43 of band) | |
| Uninsured deposits / deposits | 20.06% (p67 of band) | 15.94% |
| Brokered deposits | 0.30% | |
| Wholesale funding | 2.58% (p57 of band) | |
| FHLB advances / assets | 2.29% | |
| Tier 1 leverage | 15.27% (p82 of band) | 11.56% |
| Unrealized securities loss / equity | 2.93% (p81 of band) | 0.80% |
| AOCI / equity | 2.39% (p51 of band) | |
| ROA (annualized) | 1.32% (p67 of band) | 1.05% |
| Net interest margin | 3.54% (p33 of band) | 3.84% |
| Efficiency ratio | 49.12% (p7 of band) | |
| Noncurrent loans | 0.04% (p20 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 4245.59% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 11.42% (p43 of band) | |
| Auto loans | $390,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.6M (9% of equity) (p99 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 |  | brokered >10% |
| 2011-09 | 0 |  | wholesale funding >15% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | brokered >10% |  |
| 2013-12 | 1 | capital falling | brokered >10% |
| 2014-03 | 1 | uninsured deposits leaving | capital falling |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 1 | brokered >10% |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | brokered >10% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |

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

- 2020-01-22 [Time Federal Savings Bank to change name to Prevail Bank - Daily Tribune Media](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdjVGdmlYRnp1Z3BOaU54SEwyVmNBS2ZKbnlyb2dlZDFQVzRmQ2FxMTdOazFadXBWbGVCX0hvdXdPUXBlWmMxUTBfZ1V5UDhDTFprNlk2ek05ekV4NG9yOERBblBuZll4U29OSUJDQ1lRYU5JclhuNV9FdElUcWw0WGpzWFc4b1FleEVRYzRzWlBtUGQ2b0ZYeVRfajF4N2czZzItUFZyYXFzbm5ORkNaR1hZMUNnbl9Wb21xRlozUFhkQQ?oc=5) · Daily Tribune Media
- 2020-02-27 [Prevail Bank to celebrate merger at ribbon cutting - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMimwFBVV95cUxPMWZBZGpJbDFqcHlWZzNRWVJrX3BMQ29rTUx1ZTBkZUdpZndOMklpbGVtb1pNNF9XZlRmVUd5MlFvcXFMdGpMWWZlczUxRzJFTnZ2WERydjRpS0RBSEc3VTlyVjNkcUEwMG5aTmREaHVaQVJLY3BWMGd4a192cjlVc29RdmlUMnJFTTg4SktPazNycTR3Wml6eGU4cw?oc=5) · Wausau Pilot &amp; Review
- 2017-06-16 [Park Bank's Dave Werner named chair-elect of the Wisconsin Bankers Association - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOdUtXQi03QjZnX3FMejFiaWRLNGZUcmVqUXp4ZW5zSzZjUElLTUliaFdGd0VQX25UblVMSjVTTUc2S1JHaFlocTQ3Q0FGV1pGU0xNZjd2RjVfWDVJc0cxNk05LUp4dXdMLUE1RWRBZEtSUVVQd1oza1Q4cTU1d1RhNFVLUFpTcHJ2VnpEczBNQmxBODNISXBhMUNweUFtVXhOTENLSWQwa256aDhiOHNsQlJNaTRzOE9NUU5xMGxNS0tiLUNvMllzQy0wamtlUUJTdWlWWQ?oc=5) · Milwaukee Journal Sentinel
- 2022-06-03 [Business of the Week: Prevail Bank - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMihAFBVV95cUxPelEtV1oyeE1ubUN1blRDS2RuOTBzdV9qcXJRdjZpVmR0Q3k5WmhRZXctVWF0eGoyQ1pDbU84d1I1YmRqeDVsU0xLUDBJdmpVWmhWZG1aazU3bzk4S2t5QkUxcHBBVEVrc19yTUktQmJmbVg4TzdqdWIzbHowMG5KeFc3MW8?oc=5) · Wausau Pilot &amp; Review
- 2017-05-31 [CAP Services launches capital campaign for new headquarters - Stevens Point Journal](https://news.google.com/rss/articles/CBMiygFBVV95cUxPOW85TXotWVlGYU54ZTZtTlJmMU9jWkVUR0pzemYtaDZDTG5KMEY4dUlsaWpVcGU0amxTR3R5dEUxWDFHcG84ZnNxd1BYY2FGOEc4cWhZLTZPczJILTRoNDhpZkE3eFczbVFxdU1nbENvYkcwbGRlQmVlYVVoNS1IMGsxa1BtYmtkejBROGhJcGsyQmY3MjB5c1JsYm9jNHNtUEhGazN2TXRUazZ4X09Gb0k4WkZWOHZORXRJUkY3LXNhMG5JdHFBVlpn?oc=5) · Stevens Point Journal
- 2020-02-26 [Cynthia Kelly Obituary (1960 - 2020) - Wisconsin Rapids, WI - Wisconsin Rapids Daily Tribune - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTHpHX0RacUxnRWZpYmRhZVNlYUN2SzdWelN1V2RINEZreTEtekdiR1BRSHpTRGtVOHBnUnVrTUowbUF2OFhHYmZQN2ljOVZWX2JvTE9uaEtqdmpfbElXVzFlQVh3ZDJNMVhjZUR1QmZaOTN1VVdST1htVG5wbFZmeTJsWnh6X3lwSEk1Q3RZb1VlWEV3SW82amlVSTBDZTE5?oc=5) · legacy.com
- 2015-09-04 [New K-9 toys arrive in Wisconsin Rapids - Daily Tribune Media](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQTk0WE9SNDhvV1E5RXZYLTI4WElsamxYOUg3VVJxMmRzbXVyUUtPWW05QjNTa3V5YU5fMTJRTmw1X3A4TXdia3RrVXBxYUNNV09XdlJhNGFyMnhrcTI3QjJxdEVFSVRiRS1BY2NCbk50Si1wVmw3NG03cWVTdmlVX2hfT0U0SHRGdnhubjJuZzRqN3R6QlNPZFJRUjl4T2hOLXlQYVFWYThxRVE?oc=5) · Daily Tribune Media
- 2016-01-21 [United Way announces sweepstakes winners - Daily Tribune Media](https://news.google.com/rss/articles/CBMisAFBVV95cUxNay02QTNHSHV0NU94OGpzMVp4eFBlbTZRYWNmUFZaYmtqd1EwUnlLR1dtbkg5ajJpME9laXVPSWFEYm9HUHBXVnhSclN1alIyQ3l2dUdKWXZ4b3BLLVI4aGtiZk9iN05IcXRtUk0xQ19OSkJVSVVFdzZDZVczZnFpS0tQalZaUEg3RTJsM085THJjaTBsME9HdUtLamFWNkVzaUNidjcwbGVvWkRwU05lVg?oc=5) · Daily Tribune Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34304 (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 "34304", 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