# NBW BANK
WAUPUN, WI · FDIC certificate 5331 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $181.1M | |
| Deposits | $147.9M | |
| Loans and leases | $113.3M | |
| Total equity | $30.1M | |
| Loans / deposits | 76.60% (p50 of band) | 76.58% |
| Liquid assets / assets | 28.22% (p45 of band) | |
| Uninsured deposits / deposits | 17.59% (p54 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.08% (p85 of band) | 11.42% |
| Unrealized securities loss / equity | 0.02% (p25 of band) | 0.65% |
| AOCI / equity | 0.01% (p15 of band) | |
| ROA (annualized) | -0.35% (p4 of band) | 1.01% |
| Net interest margin | 4.37% (p80 of band) | 3.82% |
| Efficiency ratio | 79.31% (p74 of band) | |
| Noncurrent loans | 0.31% (p39 of band) | 0.52% |
| Net charge-offs (annualized) | 1.45% (p99 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 18.02% (p53 of band) | |
| Auto loans | $3.2M (2.80% of loans; DQ 7.73%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | noncurrent p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 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 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | capital falling, losing money, charge-offs p90 |  |
| 2019-12 | 3 | reserve under noncurrent | capital falling |

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

- 2019-05-10 [Fond du Lac's National Exchange Bank & Trust plans to acquire NBW Bank - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPenp6VndDZlRUY0JpWnVGbF9mT1BKdlFaazFwRE9lOXNaODIta2dGVUdqUS0za0hGbU5qYXZhQkxzLXBuVlhQUkUxcV9xVWRjdjJEalE4RjVYc0ZUTW1pOWZCN3BHa0hiZlNWN2NFNm5xYTdQTHVEZWxOTVRkRHR6SnI1cXUtczN4S19USGxQN2hQRVZ4QlFvbzhmM2E4d0Uyc0VfVG9McjRDWG0tUXZZN1huOGczWVFEVno5eHRGb0FRTjB0NkJTTEx6OGxNVkI4OHRTOTRB?oc=5) · Milwaukee Journal Sentinel
- 2026-01-15 [Hotel Waupun became a beloved landmark in the city's early days - fdlreporter.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPTUtwc3g4Q0xrRk15M2VSWGZMZnJHLTlDOW92OHE3SGJpemNzYnZ1d1YxbWtDOVlOYTc2TWk3VXNpTFp4bmVPV29hUUpKMGxKTk9nQXZmN2JVRFVpWFM2VTBuRE51QWxxc3pVSkh2QlNDRzBDOWFFeE1VUFFBZlNGMmdRbjRwbWhPNEVhSTM0bUNMUWkwTXNRbjdyMXpMUG9DYUVXMkZSb0JsUFdydFcwNWFuLWdKQ3M5elg5blBoZDIxVDdWSW5Ya2tHYw?oc=5) · fdlreporter.com
- 2019-05-13 [Fond du Lac was the birthplace of young adult novels: Celebrating Maureen Daly - fdlreporter.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNQ0RiZ3hxUkRhbThhUDBsSU5FTGRIdjZ2bURjZEFyT0ltS1JDMnoteVBMRVFBTU4zRS1GTWdsdlR1U012elhkY29NSVBwYzFxSEFBNzVHRlZPRVdqRWRIc2Y1b1FiLW5LMXNsUlNqTmVSOG5NR0VFeDRpcUx6RVhESTV2NzdENi1HM28yWTQ2Y2xFcndpSHYtTTNhVkpHa2o2YURnaFY1MXJ1MzFjcldrUy1QVERuRWFwckxFOGU0N1diTU9GWmhkdFdZODBtalZDZldMZG1EMUpnM1U?oc=5) · fdlreporter.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5331 (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/19.json (key "5331", 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