# PESHTIGO NATIONAL BANK
PESHTIGO, WI · FDIC certificate 5317 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $300.0M | |
| Deposits | $250.8M | |
| Loans and leases | $201.8M | |
| Total equity | $21.7M | |
| Loans / deposits | 79.55% (p62 of band) | 73.59% |
| Liquid assets / assets | 31.04% (p46 of band) | |
| Uninsured deposits / deposits | 13.85% (p27 of band) | 19.81% |
| Brokered deposits | 0.76% | |
| Wholesale funding | 9.37% (p84 of band) | |
| FHLB advances / assets | 8.33% | |
| Tier 1 leverage | 8.99% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -26.21% (p17 of band) | -6.57% |
| AOCI / equity | -1.18% (p24 of band) | |
| ROA (annualized) | 0.66% (p23 of band) | 1.17% |
| Net interest margin | 3.37% (p24 of band) | 3.93% |
| Efficiency ratio | 77.00% (p73 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 6.83% (p32 of band) | |
| Auto loans | $3.8M (1.90% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 52 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | capital falling | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 2 | capital falling, expense ratio p90 |  |
| 2026-03 | 1 | securities losses >30% of equity | capital falling, expense ratio p90 |
| 2026-06 | 0 |  | securities losses >30% of equity |

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

- 2024-10-11 [Marinette police arrest bank robbery suspect in Walmart shortly after robbery - WBAY](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQWjB3UFY3dkppMHpvZDNyMWpWVE9rWHBScWgzdUlGclJsRzRTbFBZVlFUZHViNnZTeUtpeWV3aWEwVEpuc01iWjhVdXo0aEdyMzVacFZUejdjMzJDX0RuM0lTSklEWU9CQ2dOeGRRZ051MzhRYkgtaUQ4T0NweF9sV3liLU1HOVlwWnpONFJ2ZEowRlBKWkttcURzVm5PY1E2aV9lYkNVNDY3MkU?oc=5) · WBAY
- 2021-09-30 ['The Forgotten Fire': Marking 150 years since the Peshtigo Fire, the deadliest fire in U.S. history - FireRescue1](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPbmt6QmVvaFE5QnNWSUVWbU9ISXp6WklVWVpvSkhpa3A5enphTGdfSllBcmF4bV9fbTVwb1JpOVktTThrTkx4OEwwempWdjhxMGw4cUs5ZzNtNXRwUHY0M3dTME84XzYzTXk0M3VPYnpzUFhNa0k0ZXVkT1RvUHpKSlVXQTNlREY0UUU2VWl1aE1RUGgza2pnT3NDMjNQZ041SGMzS01tWU9BZTY0eHhOWEJuNkZSS3k4RFJicm1NbEV3b1EwaElRQU96c2FZdmRlSjdvYmdHNnByaGdZWHpMWFFIRGVtaGVvUG1xQg?oc=5) · FireRescue1
- 2026-06-16 [Career fair continues to grow - - dailypress.net](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQMU9JcE5Ob1FrR0h2TExMblBHZjc1bkYzSl81ak9QYTBCZ2tTaC1oZjdjbGg5MUdGR3c4MFR1eFU0X3lZc2Z1Q2htaXVRdGFncDN3T1loQ3hEQUx2NkZiRjQtMkl4cVMwTXpWS2R6dzlZbHE3NEoyd25qT2NTRXFzQnE3eDRwdEp4?oc=5) · dailypress.net
- 2025-02-04 [Discover Northeast Wisconsin’s 18 Counties - livability.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPWjI4VzFRMnFpRVEwNFpzelpKcTNjOHk5ZG5tZ3U0Ul9CS21zcjVWMHAxelZ1UHRxZHpObDktUXh6TC10TG9NUlNidmtfQV82NFZ0UnFjY1BkSWFIbGxVaGlDNXF6SUxiQUNjQV9qWkhEbl8xaU4xOG5FQWRGbmF2c1pIWS1BUUJ0c2tucjMzdnJJZXItRUN5NkJoQS1jdw?oc=5) · livability.com
- 2026-08-19 [Oconto County Youth Fair to celebrate its 85th anniversary - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOWjJCSU0xeHE1OFlhLTdZc1RwNFN6NFdVMU1fbkhQTXMza1F0VVpaRS1Bai1vNEdOODFJTFBKWTBTYTVsejItcTJLSHRKd291TWpQdkVpbDlKc0hTT0lxdUphM0hDeWJ3Ykg3aVlIVVNEOHRkb29kV29WOHhoMUJhSXJjUkNsN2kwcjBHeFI4Z3NaRGVNNGhwRW5mMnNQWElEZGtWamluSlpOUDgtUFZjcmk4ZG9wQ2k2TklzQWVORzc3QWdTeW1lWWt3UjJSeWVzOUE0WFhDQ1VwNnBKX1lybnF4b0R1bTl0Q21nNzVB?oc=5) · Green Bay Press-Gazette
- 2023-01-03 [Jacquelyn Marie "Jackie" Rohde Obituary (2023) - Marinette, WI - Hansen-Onion-Martell Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOUzlid2MwTGhZUWVKcXRTSUwtOTZqNHNGNFYtUUdXQmhpenRfU1p5by1IVk1PbkI2di1PX1dTTmRGMGV5aWxMQ2dPUER3TVVCd3padGYzbzNWQTRSTzQ0eVNBVFZWWkROSzhxOXhiOW9qZlFwTWpxOWx1TlduTW9oVzVEUFM?oc=5) · legacy.com
- 2009-03-16 [Carlson lifts another title - ehextra.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQX2Y1eG11YUkwV3hTQzVzeW1uLV9FV252WUZuU0Y1NkVjUV9ZZHBadzZFNVhxbWcwUi1sa1lkblBESTdXeVJTNlQzbjFBTEgzS0VxeFNVYjFtSm1pSlpQMDRMaWNIV0JMdXZOeWF0eC1RdTROcEh4R2hMRXZDZmlrck9BU19TWGR3NE1iUmQwRVdFUGNRSmdtSTZ6UG9HUEVyaWdr?oc=5) · ehextra.com
- 2019-05-30 [Oconto County Breakfast on the Farm hosted by Petersons on June 9 - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMikwJBVV95cUxNdnNaUlE4aTJKSG43X2NfRGxpdnJqWjJBN3lyTG5wLTI1cTg2SWhFU29aLUt1MGxscDhWdGZhZm56dTduakN4X05nd3IzNnpERVJaNzIyTk5RZDR3aEk4aEtuSVVWRGF6SGRkaUpjVWRsbHJJdE8zT0ZFQkFmV3BqV2djUlNZN2M0VjMtTTFZNmN1UjFyVmVELURsZjk1TjJxVDA2SmtMSVJlbEloUy01cVZHSWp4bGQ5bEZ3RmcxSGRuSWtXSmRQYXpKSmxfOXBOdnE2RVExSGh3ZGVCMjlNM3NRZEF6aEN1dkN6ODZrRTRUNVFzUHZCQW0yaXpIYmNyVGMtS29LMDdXTFRRSm5mUUVibw?oc=5) · Green Bay Press-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5317 (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/5.json (key "5317", 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