# AMERICAN BANK OF BEAVER DAM
BEAVER DAM, WI · FDIC certificate 5283 · asset band <$300M · latest filing 2025-12 · 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 | $219.0M | |
| Deposits | $197.8M | |
| Loans and leases | $75.6M | |
| Total equity | $19.3M | |
| Loans / deposits | 37.60% (p10 of band) | 73.21% |
| Liquid assets / assets | 63.54% (p91 of band) | |
| Uninsured deposits / deposits | 22.73% (p61 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.34% (p33 of band) | 11.56% |
| Unrealized securities loss / equity | -18.50% (p24 of band) | -6.10% |
| AOCI / equity | 6.43% (p64 of band) | |
| ROA (annualized) | 0.95% (p44 of band) | 1.04% |
| Net interest margin | 3.95% (p54 of band) | 3.83% |
| Efficiency ratio | 69.85% (p55 of band) | |
| Noncurrent loans | 2.68% (p91 of band) | 0.34% |
| Net charge-offs (annualized) | 0.30% (p93 of band) | |
| Reserve coverage of noncurrent | 58.92% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 59.37% (p82 of band) | |
| Auto loans | $296,000 (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | charge-offs p90 |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2021-12 | 1 |  | construction >100% equity |
| 2022-03 | 0 |  | uninsured deposits leaving |
| 2022-06 | 2 | securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity, noncurrent p90, charge-offs p90 |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 | charge-offs p90 | reserve under noncurrent, securities losses >30% of equity |
| 2025-06 | 2 | reserve under noncurrent |  |
| 2025-09 | 3 | noncurrent p90 |  |
| 2025-12 | 4 | capital falling |  |

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

- 2024-04-25 [John J. Militzer Obituary Apr 25, 2024 - Werner Harmsen Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE9rT29LZ0g1ZFp4NS1HWkQ2RnJacFgxR3Bnc2J1ekxCVmhUZ29sSEVBTW42RzFxbmlXZWNPSXJaWVRRWTVxWW1WNDRQVmxYMlFLSTlRU0JpZ0NIZm1FNHFjTFVhRDl4YzFTckVuUXdreTNMWExSdnc?oc=5) · Werner Harmsen Funeral Home
- 2025-03-21 [Beaver Dam Chamber Announces Winners For 2025 Gala - Daily Dodge](https://news.google.com/rss/articles/CBMif0FVX3lxTE9MSC1yMUdPMUJLUFFkLVZtdDJiTE9xaHJHMWFnWEJfUlZnNFVSUTIzSENXRy1heW5wRHJqRlRvRVdaUGpXYmQ4Q3ZBdm1YYUJ4WlZueThWRVB5MWxubHZNc1diekpKMEpQZ2tvX0FfUWt0TFVTMG5vdW9lTE4tSzQ?oc=5) · Daily Dodge

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5283 (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/35.json (key "5283", 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