# LIVINGSTON STATE BANK
LIVINGSTON, WI · FDIC certificate 6185 · asset band <$300M · latest filing 2016-09 · 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 | $163.6M | |
| Deposits | $133.2M | |
| Loans and leases | $125.0M | |
| Total equity | $22.2M | |
| Loans / deposits | 93.72% (p83 of band) | 75.30% |
| Liquid assets / assets | 16.11% (p16 of band) | |
| Uninsured deposits / deposits | 10.05% (p30 of band) | 14.23% |
| Brokered deposits | 4.38% | |
| Wholesale funding | 8.96% (p80 of band) | |
| FHLB advances / assets | 4.58% | |
| Tier 1 leverage | 10.04% (p36 of band) | 10.87% |
| Unrealized securities loss / equity | 0.87% (p37 of band) | 1.65% |
| AOCI / equity | 0.41% (p39 of band) | |
| ROA (annualized) | 0.36% (p17 of band) | 0.88% |
| Net interest margin | 3.96% (p68 of band) | 3.67% |
| Efficiency ratio | 59.79% (p21 of band) | |
| Noncurrent loans | 1.16% (p65 of band) | 0.69% |
| Net charge-offs (annualized) | -0.03% (p11 of band) | |
| Reserve coverage of noncurrent | 10.98% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 12.84% (p45 of band) | |
| Auto loans | $773,000 (0.62% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 1 |  | deposits shrinking |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | losing money, uninsured deposits leaving |  |
| 2016-09 | 1 |  | losing money, uninsured deposits leaving |

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

- 2016-03-02 [Livingston State Bank merging with Community First Bank - SWNews4U](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNE9zM2FLVzJHZXRUY2gwa2szaDcxSm83WmhmY082azgzSDhNVHI2dldtaFFseVVIdWhlNE5YN3ZFY0JWLTFMMDg3SHd0dUxHei1IbUJRTXM5NmZ2bVd6UE9hQ1FaY3AzZmZnR1NEQW9MNFAwT3ZzVXI1Wm1EZExmbWVmYnpORVlaek5HYzdkU0FVYnBweF9JdXVlMzE?oc=5) · SWNews4U
- 2016-05-11 [Bruce Erickson | Obituaries - Idaho Mountain Express Newspaper](https://news.google.com/rss/articles/CBMiowFBVV95cUxPNllYdnFHVkxZTktrWnlkS1pZVlpnZ04xQU1GeVpmV0MtYWZaYzdrUGZucTBDc1lKMHdBeDR3Z2REbzRMVVFEUWdoR0JLcHJTTTNrenZaa21sX3lHVWhwN0Jkci1Xcm5OZUxzRGRKS25CT2ZBd3VKeVMzbDJjT1lvRGtvWFpDOG8xNXZmTVdOcHJfekRhTDdlWE1MTzd5SVNpQjg4?oc=5) · Idaho Mountain Express Newspaper
- 2020-08-16 [Dennis Carr Obituary (1930 - 2020) - Montfort, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZGhuVVY3Qk5HVUxRZVJEa0RUcFI0T1lTSjRlU3hUYU1yeXFCUktuNXhPU1pjMTNyQlVaeXF0QV9INk1zeEE0UHpZNmRpbXJZTzJUSTdtYWxBOXFGMi1hV1IzTVZBYzZidXJVZVpnT3M2NWd3cjRfb0dla28ta1RrYU1sY2dPN1BuUWc?oc=5) · legacy.com
- 2013-11-13 [IowaGrant history book now available - SWNews4U](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNkR6NHM1RmhKZWk0azJuMTdoNV9GLWRnSFZEMm1iODdkaGZsT05WTmUzSnUyaDZZSFQxcWxGbHlvcG80QkJjRXl2T2FlZUNDVzJINmxFelF4NjYzVi1lbHNQc3NPRzlwcFA5VzgtQW5yWlhaUzIwdW9XaDJub0VySk1EOC0?oc=5) · SWNews4U
- 2012-07-24 [Jon-Dee Acres WGLR Farm Family of the Year - SWNews4U](https://news.google.com/rss/articles/CBMif0FVX3lxTFBMV1VFZF9DTkxON0V5aVB2N2ppRmVWa1VtczdIWmxTbHBQaTJVRkpXQ0NCNEl2Rjd6V1pfalE5LXpnNENDNVBGb1hIUUFMaDZfZnM2cm4zZlQwVEd4WDR6QjRta2R3am1ZdHFYb3pwSDBnVzB5dGZBc0VpZ1oxMGc?oc=5) · SWNews4U
- 2014-06-25 [A week of recovery - SWNews4U](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9RMzlaSmRETGdzLUNuNmwwZkN0T05kVWt1djhLMGhLT2JVODYxZktpSUg2a1dMRzRIQVE5T1pITm9nak1qOEpTSkhPUU9HUE1Hbm1ZYmllX21mTGxKbXRN?oc=5) · SWNews4U
- 2015-10-21 [The workers behind the Moving Platteville Outdoors trail project - SWNews4U](https://news.google.com/rss/articles/CBMirwFBVV95cUxPemU4eDZVQTIxdlo0STRPTGJ2MmFLWEdrVjBqSVM4WTQyUmhlc29iS25wLVphbklDRTBlQkhBVGFDQ2pnanlDSzc1ci1NVm1TT280VVdFYmlRczlIOG9FbTE5NUpZMmlKR3hRXzAyUHBRbm5oV1JiTmx5Vm1XNVNUY1l2SnNpZFNmS3RkOVZNUG10UkVzeGpaOGEtejZIVUxSWWpIeVlWUElJc3lkbkhz?oc=5) · SWNews4U

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6185 (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/41.json (key "6185", 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