# SPRING BANK
BROOKFIELD, WI · FDIC certificate 58780 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $440.7M | |
| Deposits | $332.3M | |
| Loans and leases | $369.3M | |
| Total equity | $49.5M | |
| Loans / deposits | 109.67% (p97 of band) | 82.04% |
| Liquid assets / assets | 13.85% (p14 of band) | |
| Uninsured deposits / deposits | 25.83% (p49 of band) | 25.97% |
| Brokered deposits | 4.11% | |
| Wholesale funding | 16.64% (p89 of band) | |
| FHLB advances / assets | 9.12% | |
| Tier 1 leverage | 11.57% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -5.40% (p60 of band) | -8.10% |
| AOCI / equity | -0.44% (p45 of band) | |
| ROA (annualized) | 1.54% (p66 of band) | 1.28% |
| Net interest margin | 3.67% (p36 of band) | 3.91% |
| Efficiency ratio | 47.15% (p13 of band) | |
| Noncurrent loans | 2.70% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 48.75% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 108.01% (p89 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | capital falling | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 1 |  | charge-offs p90, capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | loans exceed deposits | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | loans exceed deposits, capital falling |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | loans exceed deposits |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | charge-offs p90 |  |
| 2022-12 | 1 | loans exceed deposits | charge-offs p90 |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | loans exceed deposits |
| 2023-06 | 3 | wholesale funding >15% |  |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 3 | loans exceed deposits, deposits shrinking |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 5 | noncurrent p90, reserve under noncurrent, construction >100% equity | capital falling |
| 2025-03 | 4 |  | construction >100% equity |
| 2025-06 | 5 | construction >100% equity |  |
| 2025-09 | 6 | capital falling |  |
| 2025-12 | 5 |  | capital falling |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

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

- 2026-02-23 [FHLBank Chicago and Spring Bank Award Grants to Strengthen Affordable Housing Talent Pipeline in Milwaukee and Increase Housing Supply - Business Wire](https://news.google.com/rss/articles/CBMimwJBVV95cUxQeW5oaEs1Z0FnTTRaNXRJYkZuRENJdVl4Q0xaOFhPeHFUY2QyN2k1bW42QkI1LWpHbERpeGhESmU0YUQxOFAwZDNWX3BHS3VzT0ZZV3B6eFJSN3VjWnJFd2Z3bWVCY3M4TVg3TGs2dlhLVXFhMkRHa3JWOTlOaXl2Yk04cFd3ZVkyWjNVZWpmbk10U0g4Y3JnVnJuam53S1FoTS1hLUpXNnRxUklPT1hfb3ZwanU1S1RUMTBtenFwdDJHdzlBTG90bVVsWU1fNUo3SzQ5NE1STEd4UENCWUxXdEFHTWFxYnF2ZGZ5emNGb3p1dHVDQWp6T0JCZUxwYmRiNG5wNVpLMVQ3LWdkdnZtV2hOOFFJZE1FOFhJ?oc=5) · Business Wire
- 2008-09-08 [Wisconsin Banking News - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5xcGk4NFdxT09DYUVpeUR3YUppVmZUNTZzWHlFWC1PWjdPeEpsWE9ReVN4MXkydHdWNHhwem5oLWVuTTdVTTJRTmNoSFdtbnJEeHIxeUlhemtCV0E?oc=5) · BizTimes - Milwaukee Business News
- 2025-09-23 [Wisconsin’s 31 Most Influential Latino Leaders for 2025, Part 2 - Madison365](https://news.google.com/rss/articles/CBMijgFBVV95cUxQX0tOekhkZ3VWZlh4T0lVOHh5ekpZd1BWVTBzNGhHa1E1QkVjQjN6NmJpdi1XQ0Z2LUJOV1NYR3RiVFFscDg2QVhZbDlUUTVoa1cxWUhBNDRZcUdKUHVPeXY5WGt3UW9zQUxsUXN4Y3BtR1ZBRXBsdkppaXlVYVFQOGdVX1ZraG42eVFkYk13?oc=5) · Madison365
- 2023-04-13 [Heather Nelson fosters business growth at Spring Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbzZlajBBZVZiRDBvRzYxekFOVGpOUDNuYjVCSnBkakpJQkhTQ1djVkFIM2xBQ3dla1hVYlVJbHRCVHdibEtOMkFtQk1ZSGZvWHBSRk0xYmlVWDdOX3Z0YnltUGdKMXhERWN6b0dEZnZtRDdKUHdtclpsX1ZIbmt0eGRrMFp2LXdkS29ZZjBLOUtYMEI5MGtCOThhYjZkc1NtaGhtM0xYMA?oc=5) · The Business Journals
- 2023-05-24 [@TheTable: With bank failures nationally, what does it mean for your money locally? - TMJ4 News](https://news.google.com/rss/articles/CBMisgFBVV95cUxPRXQyNjY3UzNoV3VLQi1SRVBGOWpwcmZZODdjbjNyYll5R1VrV2NuT09GaDZTQTI3V0NMTHhtYnd4ejhVOGFNcnA3TVRibkRTNGp4OUJRbV9kOEFib2JZdUZxU3c1TXhOVzJvUHJlbXVCNzZZdUVQS3J4Wk1iTWpqcFNveFFDQmQ5ZTdZdzNiYkFGTHZMal9iNTZNZnpPb3pFemhxakx5OExGV2NvaGVndC1B?oc=5) · TMJ4 News
- 2016-09-10 [Brookfield banker has NFL side job - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiowFBVV95cUxOeE9VR2xvRWNkTmNlNHVJRHhySElvd1dJYUVaT25JbldFRFpsVWZqcm9mOEtMTFZOZHY5TDRwcGowMENIaGVjWmM1M2RLU0lESWlQWkJOSmpiRGhsbHBNWEZBcWU1VGhucXhTNGliRzVvMVlXa25CX3UySlo0V281LUNaNlN6SExHc3RZNDE2QXJOTEpWdnNBSUcwYUV2Z2F0emlV?oc=5) · Milwaukee Journal Sentinel
- 2026-02-23 [$500,000 Grant Will Train Affordable Housing Developers - Urban Milwaukee](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVGRLb3ZMOVpsby1GbW9WWHIxQlR3VXBKUlRlS3NsZU9uTnBPTXRCOTJwTWIxTzFrdnRfMzJZTTJZQ0ZiWTFXRlFqWkUxTEJRT1BBdXdvVXFBWW5UMG9aUml3ZURCWXBoeEFiZlpnVTA4b2t1S2FoQTA5czlOUndTOVhVSmQ2TF9KS0p5ZDdpcGswdkdYNHU0?oc=5) · Urban Milwaukee
- 2011-12-01 [Monks' once-flourishing business abruptly ends - Deseret News](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWHg5Zk9YbHJIeDRSVmcycXJ0RjFLZmJ3b2FmX0dOYTN5N2kxc0IzbzlpdUdiRUdjX01KazBvdkR4LVRRNldiWXFlb3JTdHdhVm9xV19tZWhHdEtpNTBzN0ZmS2g0YVZpRE5qQzVhbXM4ZHVVMFpjUHczSzZiYk9MR3RJWDh1M1JWaU41eUFIczV4cFE?oc=5) · Deseret News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58780 (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/28.json (key "58780", 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