# BANK OF WAUSAU
WAUSAU, WI · FDIC certificate 35016 · asset band <$300M · latest filing 2013-06 · FAILED

**Verdict on the desk:** this could be *run candidate*. Composite score 14 (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 | $43.6M | |
| Deposits | $40.7M | |
| Loans and leases | $26.3M | |
| Total equity | $19,000 | |
| Loans / deposits | 61.36% (p37 of band) | 68.67% |
| Liquid assets / assets | 31.57% (p41 of band) | |
| Uninsured deposits / deposits | 1.46% (p3 of band) | 11.61% |
| Brokered deposits | 4.43% | |
| Wholesale funding | 10.17% (p85 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.29% (p0 of band) | 10.18% |
| Unrealized securities loss / equity | -1000.00% (p0 of band) | -0.21% |
| AOCI / equity | -715.79% (p0 of band) | |
| ROA (annualized) | -7.96% (p0 of band) | 0.77% |
| Net interest margin | 2.41% (p7 of band) | 3.59% |
| Efficiency ratio | 384.19% (p100 of band) | |
| Noncurrent loans | 5.58% (p92 of band) | 1.13% |
| Net charge-offs (annualized) | 0.44% (p88 of band) | |
| Reserve coverage of noncurrent | 89.63% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 2210.53% (p100 of band) | |
| Auto loans | $19,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -21.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 7 | capital falling, noncurrent p90 |  |
| 2011-12 | 9 | leverage <5% |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 10 |  | capital falling |
| 2012-09 | 10 | charge-offs p90 | noncurrent p90 |
| 2012-12 | 9 |  | reserve under noncurrent |
| 2013-03 | 13 | capital falling, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity | uninsured deposits leaving |
| 2013-06 | 14 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |

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

- 2024-04-25 [Peoples State Bank wants to be part of downtown's growth - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMjA1aG9CZ2JDN1lZTVJZSl9NbFdQUnl3LTl0UHB1TDV5aDMzSTVZcTVOd0pNdDBzdnNOdjFWa09JMkc0VHdFQko0ZlpfaXAtdUR3Y0pDTGJjb1BKM20yX1pROGNZUU9yTGlJckd2aHVCWG9rMV9UQmxFSEZUVWxINmNVeEw3MnhIc1JrVjR4T2E?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2016-04-29 [Bob Atwell and Nicolet National Bank Come to Door County - Door County Pulse](https://news.google.com/rss/articles/CBMihAFBVV95cUxOUi1sUkRmXzZ5eFNHWGRNN0V4Y2Y4S1VtdUE0RlRnRlZfUUFPTlU1YUVoclNYbklMemlhRUdvb1hEYXhZQUNzdG5iMldXc2NoM2x4Qmh1S0R1cUUtWGFUQVN1LXJfR0t2MXhodEE4T1dYdTlFOGp6S3FxN0xnUWQ2dmNRQ1E?oc=5) · Door County Pulse
- 2018-08-02 [Wausau-area CPA convicted in grain company's financial scandal - Wausau Daily Herald](https://news.google.com/rss/articles/CBMixgFBVV95cUxQOWRBMFdPRnlOc3pvc2k1cm5kVTZZem9sS29mVjVfd3gxbG9VbDBXMDluVU5haW5SN0UxNTJNSkZJVWRCRFpkaFJkR2JJZ1dhNkRSTm1ULTdxZUxpZzZ3Skk3SjU4YVlCOEtwSzk3aHRyeFJhbHg2bHV6b1YySklfWE9CQkkyV0c4Unk4Y1NBeVZoVHRqM2dOLXdnbWtNYVcwd0pBV3IzNS1yU01paVhOQUVMYlM3bktWYlRFVlk5V2xNSndoZGc?oc=5) · Wausau Daily Herald
- 2022-01-25 [Jeanette Lucy Stubbe Obituary Jan 25, 2022 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTE1NMVh5WXo2dWhuUFVXeTJRWUZiMmM1NkxTWlp6ZTJXNmYtUDdzNmIyUnUwbzBBbVVVc1BzbHZQYVI3Z1pia3FZanduWE5FdHVvWW05VF9WSUZQZ0lPSW8zclNDQ0liVWNMd1E?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2025-01-06 [Wausau area obituaries January 6, 2025 - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUnUyaGJYVXdGS0pCZThidFFhNFdCRHZrT3B5T3V3LTVTbXZhc19TMEJKLW82NlBjQ2Y1Q3lTS0syMjNVSFNoejdLVm0tWTNRU2pfMHpDOGRiYU1WQTIxdEY3alFKV3M2dmx5MjZoMkE3a2FhbFlFWmwzelJGWVlnREFGNmZpNFlKeWc?oc=5) · Wausau Pilot &amp; Review
- 2011-11-15 [Biz Beat: Edgewater lender got $15 million bailout - The Capital Times](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZFdxbmZEZ2Q3MUM2c1dxa1JJZm00V0p1cGZZZ3VXaVl4V0hIZjlwdDk5N0MyY1E0RnJ3Q3FKck5MRENFS3NXLTNERE9PaEY1djh6YWdOb0gyd2JEMEprUlE0Rzh0MlhhT3pGV28yUXJlRktZbVk0dWFKTDN0MjlMMC1JcVlhSGtOc29lRXpET1JabHoxZnFJNV8xRmEtN2NXeWVzREQ1Y0QzMUZYSmxKVGRPN1R0S3MyYm9VTEcza0NtWWhYeDZWazhLZGd5RzFtVkFv?oc=5) · The Capital Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35016 (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/8.json (key "35016", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide