# PEOPLES BANK MIDWEST
HAYWARD, WI · FDIC certificate 5347 · asset band $300M-1B · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $459.4M | |
| Deposits | $379.7M | |
| Loans and leases | $331.5M | |
| Total equity | $72.9M | |
| Loans / deposits | 87.17% (p63 of band) | 81.65% |
| Liquid assets / assets | 15.80% (p18 of band) | |
| Uninsured deposits / deposits | 40.34% (p90 of band) | 23.92% |
| Brokered deposits | 0.65% | |
| Wholesale funding | 1.85% (p35 of band) | |
| FHLB advances / assets | 0.87% | |
| Tier 1 leverage | 9.14% (p32 of band) | 9.93% |
| Unrealized securities loss / equity | 1.37% (p32 of band) | 2.75% |
| AOCI / equity | 0.83% (p34 of band) | |
| ROA (annualized) | 2.26% (p95 of band) | 1.06% |
| Net interest margin | 4.02% (p80 of band) | 3.52% |
| Efficiency ratio | 42.24% (p4 of band) | |
| Noncurrent loans | 0.12% (p20 of band) | 0.50% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | 129.82% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 55.54% (p70 of band) | |
| Auto loans | $234,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 22.9% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 5 | noncurrent p90, charge-offs p90 |  |
| 2012-03 | 7 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15%, charge-offs p90 |
| 2012-06 | 5 |  | brokered >10%, capital falling |
| 2012-09 | 5 |  |  |
| 2012-12 | 4 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2013-03 | 3 |  | charge-offs p90 |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 1 |  | assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | loans exceed deposits |  |
| 2019-06 | 0 |  | loans exceed deposits |
| 2019-09 | 0 |  |  |
| 2019-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2020-03 | 0 |  | capital falling, NIM <2.5%, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |

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

- 2015-11-11 [Bialucha-Becker wedding - apg-wi.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNNGhkeDIteHVVNjdoVHJsVTdmUV9HOEh2RmlqM3FkUzBaRUZKOUs0RGdrOE1iVjdKbGphQVlHeGVfQnh0N19FQVZVYzBQd0ExNTc3QzBnZ2N6bmRtX0xJYVhUc2xwSmZIVVFZcHNFUFFuRWxiQUx0R0lrNEM5Q0pzUm9zdVRIOGFZTVlzb293UVhwUDZmQTdaUnM3SHBnZ25Eb1c1WjJvQVd2cV9JSGJKaF83VWZBdGRwSUJLcnpXeWh2amY3RlVpSEFsRUV1SGhxRWRJ?oc=5) · apg-wi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5347 (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 "5347", 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