# FOX RIVER STATE BANK
BURLINGTON, WI · FDIC certificate 57504 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**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 | $95.6M | |
| Deposits | $84.4M | |
| Loans and leases | $74.3M | |
| Total equity | $10.8M | |
| Loans / deposits | 86.43% (p70 of band) | 76.50% |
| Liquid assets / assets | 17.91% (p19 of band) | |
| Uninsured deposits / deposits | 18.98% (p62 of band) | 15.89% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 0.02% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.09% (p29 of band) | 11.35% |
| Unrealized securities loss / equity | -1.14% (p31 of band) | -0.33% |
| AOCI / equity | 0.21% (p24 of band) | |
| ROA (annualized) | 1.00% (p51 of band) | 0.99% |
| Net interest margin | 4.39% (p82 of band) | 3.80% |
| Efficiency ratio | 77.50% (p69 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | -0.36% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 52.73% (p81 of band) | |
| Auto loans | $15,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | noncurrent p90 |
| 2011-09 | 4 | losing money, expense ratio p90 |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | reserve under noncurrent, expense ratio p90 |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | reserve under noncurrent | losing money |
| 2013-06 | 4 | losing money | reserve under noncurrent |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 6 | noncurrent p90, reserve under noncurrent | capital falling |
| 2014-03 | 4 | uninsured deposits leaving | losing money, noncurrent p90, reserve under noncurrent |
| 2014-06 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  | deposits shrinking |
| 2014-12 | 2 | expense ratio p90 |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | capital falling, reserve under noncurrent |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 0 |  | expense ratio p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, losing money |  |
| 2018-03 | 0 |  | capital falling, losing money |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |

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

- 2017-07-19 [Flood Destroys Entire Cash Contents of Wisconsin Bank Vault - NBC 5 Chicago](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSUh6eVJ4R01EOGVNSDBxRnFGVG81WEZFTFBBOVZBRnJSc3c0bEVybVVpTXBSN2V2bkFSZ0g3NGItX3A3V05VZHZTMmZqb0MxN3E2WlpENjhRaTJiNXpIZU5Cb3dRUi1LVDJDY1pjLTVtaFdxdHpUazdKVjdBTWZfeHNBajlZeGM2cTRBQThSOGNaeE5EcnZTMWMzdS1UYU5CdWhLWUVlSdIBrwFBVV95cUxPT2JpaXhkekNxQzJVeWE3R3lDc1ptTXY5aGtnSFptRjRCdDRYbTZ1NVFGaGt5T1l2aUNuM0JoWlB6eExMdXNCMWhKQTFhRm9IbGxKbFc3SnJCYm5zUVhzbjZKZTBCalJuVkVfSGpvYVMxNDVPUGpsLTdEOGVWMXpSeDhhQTVOUnRjZElDeF82TFdyTklPdkhsV3VNNE1nLXMxNFZaVzlnUlZyVHZVXzZF?oc=5) · NBC 5 Chicago
- 2017-07-17 [Floodwater reaches bank's vault, destroys cash - WISN](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSXZRcnQzV29BaWxlYTlfdWJ4UHpaYy1hMlFsZXBldTAtNUQ1T1drRVgwODlJN1R6S3Z3eDRjcVBrVnhCY3V6UUo0eFlxMjJCOC16TDZrQW9HMEJaUWlrdFV1Nk1hUlJ3WkE4NXpBUFROcWNZOEFmczB4QU0zWU1qQUwyNUlYbmt4d0xz?oc=5) · WISN
- 2019-02-06 [U.S. Bank plans layoffs in Brookfield, impacting 40 jobs - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOV3pOYnRjVF81TnRqMGF1dDJ4UXV1cWdXNm1ldUlpOTBDVGJQYXRwcHU5TS1tVi1STEdKM0ZkQkdkbzJxa3NtLUplSklZbmt0bUtleEtWeEk2Nm5PUU43alA0bXUyc19ZdkhvRDg1dFN1VC1qbnh5VTMxR1NjUHl4RjlqQkRlR3lOcDJyTWlzel9aSVdjUWs2VWFTNGlNdzcyd0pVcXpOQnZNQ2Nf?oc=5) · The Business Journals
- 2017-07-22 [Flood leaves all the money in bank's vault cold and wet - Dunya News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTWthM0ZNZ3cza3ByeVV4TDktNms5UEc0T3dKR3hyMGZPNThacHpYTk83bDhjRnRhbHBKNTdNaXBsRTYyVjJFY1I2dDEzakpVNGtHcDZETTJCTUYwaVVFQ25XTmFYVkltbUZuczJlaHZULVQ3U0xuRlJSOGs1bDJEQ2UyYUxHaVhyN3RtYm40U3I4bWRBSlFSZ0NJZlA?oc=5) · Dunya News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57504 (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/32.json (key "57504", 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