# BANKS OF WISCONSIN
KENOSHA, WI · FDIC certificate 35386 · asset band <$300M · latest filing 2013-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $134.0M | |
| Deposits | $127.6M | |
| Loans and leases | $88.8M | |
| Total equity | $2.9M | |
| Loans / deposits | 64.72% (p47 of band) | 66.54% |
| Liquid assets / assets | 25.72% (p25 of band) | |
| Uninsured deposits / deposits | 1.70% (p4 of band) | 11.77% |
| Brokered deposits | 1.34% | |
| Wholesale funding | 3.20% (p62 of band) | |
| FHLB advances / assets | 1.87% | |
| Tier 1 leverage | 1.93% (p0 of band) | 10.04% |
| Unrealized securities loss / equity | 10.43% (p90 of band) | 2.48% |
| AOCI / equity | 1.38% (p99 of band) | |
| ROA (annualized) | -1.65% (p2 of band) | 0.72% |
| Net interest margin | 3.54% (p49 of band) | 3.55% |
| Efficiency ratio | 109.23% (p94 of band) | |
| Noncurrent loans | 14.09% (p99 of band) | 1.19% |
| Net charge-offs (annualized) | 0.03% (p61 of band) | |
| Reserve coverage of noncurrent | 50.03% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 139.81% (p98 of band) | |
| Auto loans | $117,000 (0.13% of loans; DQ 21.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | leverage <5% | construction >100% equity |
| 2011-09 | 6 |  | leverage <5% |
| 2011-12 | 8 | leverage <5% |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 11 | AOCI drag >20% of equity, losing money |  |
| 2012-09 | 13 | charge-offs p90, construction >100% equity |  |
| 2012-12 | 13 |  |  |
| 2013-03 | 12 | capital falling | AOCI drag >20% of equity, charge-offs p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 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
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC
- 2023-07-16 [Be Prepared! The 5 Most Snake-Infested Lakes in Wisconsin - A-Z Animals](https://news.google.com/rss/articles/CBMifEFVX3lxTE9nN295WjhyWDV4V3FXTkpRR195SG1KN0hQb0plSl8waXBRVTVhcEMwUnVaRllka2htM2x3SVZ0NF92b09zdEprUkRka291eXpnNVFITUlLVVExbU45QTRka19Ha2c4dkFjekszblg2THJmU0ctYmdmTkRFRHQ?oc=5) · A-Z Animals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35386 (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 "35386", 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