# FOUNDATIONS BANK
PEWAUKEE, WI · FDIC certificate 57972 · asset band <$300M · latest filing 2015-12 · 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 | $125.7M | |
| Deposits | $98.4M | |
| Loans and leases | $75.0M | |
| Total equity | $22.8M | |
| Loans / deposits | 73.91% (p51 of band) | 73.15% |
| Liquid assets / assets | 33.61% (p53 of band) | |
| Uninsured deposits / deposits | 36.05% (p95 of band) | 14.12% |
| Brokered deposits | 3.30% | |
| Wholesale funding | 6.48% (p72 of band) | |
| FHLB advances / assets | 3.18% | |
| Tier 1 leverage | 14.95% (p86 of band) | 10.64% |
| Unrealized securities loss / equity | -0.41% (p20 of band) | 0.27% |
| AOCI / equity | -0.02% (p53 of band) | |
| ROA (annualized) | 0.47% (p25 of band) | 0.82% |
| Net interest margin | 3.20% (p25 of band) | 3.64% |
| Efficiency ratio | 76.01% (p57 of band) | |
| Noncurrent loans | 2.17% (p83 of band) | 0.67% |
| Net charge-offs (annualized) | 0.24% (p87 of band) | |
| Reserve coverage of noncurrent | 139.57% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 30.82% (p68 of band) | |
| Auto loans | $37,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 7 | reserve under noncurrent |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 8 | losing money, expense ratio p90 | reserve under noncurrent |
| 2012-09 | 7 |  | expense ratio p90 |
| 2012-12 | 5 | reserve under noncurrent | brokered >10%, wholesale funding >15%, leverage <7% |
| 2013-03 | 3 |  | charge-offs p90, losing money |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |

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

- 2016-09-05 [What to expect if your bank is acquired - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMibkFVX3lxTE1fYkNJalJGbTBEWGFrQ3hPUlpqcTF4dmZQbGQwV1Nwc0hLX0FNUDVWVHpzUDZSNHRxdTd0OThodEJGZ0lDQUpyRmxSM2RPXzVPRjBlV0NZMFhKT0ppU0pFNGRpRnpRYTQ4UHl5eDBn?oc=5) · BizTimes - Milwaukee Business News
- 2025-10-21 [Demlang Builders Appoints John Hazod as Chief Executive Officer - Urban Milwaukee](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcGo5bHEzei13ckYzQ2ZlLWFmWFQyWDgtbkszdGI4ZUR0N3VQV1NVMzVjMl9LYVFzTVpabkhrTFRVekgwSmFSWUdoeDY5Y05xR29OVHdxXzVLQm9kUEx6R01FaFlodmE3ZFNxTC1DcktBRGQ3NDZ1T0xPc05YSkExYU0tcHp6Vi1SSjBlcWVsZF9qaGhKdktqYlN4TmtzdjdJVi1uekNaMA?oc=5) · Urban Milwaukee
- 2019-12-13 [Town Bank plans to build branch in Whitefish Bay - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiekFVX3lxTE1WeXlHN011SVl4QW1LaUItVC1LeTkyOFdReVpSV01IYXd6S1g1NUx5emxMUUY2UWhHMnBBMV9VOEk1b2Q5NHJ6bVdwWnE2QnliWmJkNVJpNmtZOV9ZUExxUjBid2t3MHFZMmNrSDFNRktrT3Z5WXA5dUtR?oc=5) · BizTimes - Milwaukee Business News
- 2018-09-28 [Wintrust's Town Bank raises its Milwaukee profile - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi_gFBVV95cUxONHBmUHE4UVlNZDRQbjJTVjMtM1lZRFBkTFdzZl9PMlJXVmZVckx4U21oakdVZi0wR01zTmRMSTJnYUJ0d0w2LW0tYy1tUUM4VHNFajNVUlJQLXFQWXNCZW1nZjdGeElKd2FTdHJFbjlrXzNmY1BwZlJZR1NpZmJ3c0tnMFZVaXJ5UzZJRjdEOVpOa0NJcmJ0U3ZacHAzNjBTZ29WQ3FxZ3ZpdHlUaXg2TEJfRF85bXg2bUxfQVVaUk1jOXpRYUNEeXlsbHlabGpvOVQ1V3pocnVGVC1HQm5ycFN0Y1BKb3RPeE85OFVwVHlsUkh4Qm1iVG42TFRFZw?oc=5) · Milwaukee Journal Sentinel
- 2007-05-11 [Bravo! Entrepreneur Award winners – 2007: Greg Kolton, Foundations Bank, Pewaukee - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMingFBVV95cUxOT0pNMWEzVzhxeVBvdUF6UlhwbENXM1NrdmxkRHdSZXU1X2VycU40RnU5WDhFLUhzTXpIVXhyaXhyWUVPYzk5eEowZWRVZDZocDlUUEVsVTJ0b0N4RnZvZENRbE9aYi1IcmRiQVJ3Z04zR2RtU0R5WDhNR3dmalU5M2hKR1N2MjdFNTc1d3ctMUY2dUYzLXVUbTRBU2k0UQ?oc=5) · BizTimes - Milwaukee Business News
- 2019-01-05 [Milwaukee PyraMax Bank branch sold to Town Bank - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMieEFVX3lxTE5idnRSUy1Wb3VOUy1NUTZHV3MyMDVmMUtfZFpNbUktSXVlblVKaDJ6MHViOHhRSzd1SWRRVVp4aXZJRS1YREFPVkF0blp4c1lJMU9nTk82QXM2b3pNeWstMW02dHZ3cEZ2ZEtmcWJMd1BlcEx0cWVuaQ?oc=5) · BizTimes - Milwaukee Business News
- 2009-04-17 [Personnel File - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9yWDlDbWU4NUp5SXFhMmw4QkhUeTJMdE9ibllabEk5MUF1cGxLQzJQRTZLVFVMeVkwc2hWNXBxeDd4Wm51RGlpU09lZVRNSmh3clE?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57972 (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/52.json (key "57972", 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