# CITIZENS STATE BANK OF LOYAL LOYAL, WI · FDIC certificate 6186 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. 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 | $311.5M | | | Deposits | $250.3M | | | Loans and leases | $181.9M | | | Total equity | $31.8M | | | Loans / deposits | 71.89% (p29 of band) | 82.04% | | Liquid assets / assets | 36.62% (p78 of band) | | | Uninsured deposits / deposits | 21.29% (p34 of band) | 25.97% | | Brokered deposits | 0.00% | | | Wholesale funding | 8.02% (p70 of band) | | | FHLB advances / assets | 8.02% | | | Tier 1 leverage | 11.48% (p62 of band) | 10.81% | | Unrealized securities loss / equity | -18.45% (p25 of band) | -8.10% | | AOCI / equity | 0.43% (p91 of band) | | | ROA (annualized) | 1.16% (p43 of band) | 1.28% | | Net interest margin | 3.36% (p22 of band) | 3.91% | | Efficiency ratio | 61.89% (p51 of band) | | | Noncurrent loans | 0.00% (p9 of band) | 0.43% | | Net charge-offs (annualized) | 0.00% (p45 of band) | | | Reserve coverage of noncurrent | 65866.67% | | | Real estate % of loans | 77% | | | Construction % of loans | 26.59% (p33 of band) | | | Auto loans | $123,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $9.1M (29% of equity) (p99 of band) | | | Deposits YoY | -1.8% | | | Employees | 41 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | wholesale funding >15% | | | 2011-06 | 3 | charge-offs p90, reserve under noncurrent | | | 2011-09 | 2 | | wholesale funding >15% | | 2011-12 | 1 | | charge-offs p90 | | 2012-03 | 1 | | | | 2012-06 | 1 | | | | 2012-09 | 0 | | reserve under noncurrent | | 2012-12 | 0 | | | | 2013-03 | 1 | reserve under noncurrent | | | 2013-06 | 1 | | | | 2013-09 | 1 | | | | 2013-12 | 1 | | | | 2014-03 | 1 | | | | 2014-06 | 1 | | | | 2014-09 | 1 | | | | 2014-12 | 1 | | | | 2015-03 | 2 | capital falling | | | 2015-06 | 1 | | capital falling | | 2015-09 | 1 | | | | 2015-12 | 1 | | | | 2016-03 | 1 | | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 0 | | reserve under noncurrent | | 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 | 0 | | | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 0 | | capital falling | | 2021-12 | 0 | | | | 2022-03 | 1 | capital falling | | | 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling | | 2022-09 | 3 | assets shrinking | | | 2022-12 | 5 | deposits shrinking, uninsured deposits leaving | | | 2023-03 | 3 | | AOCI drag >20% of equity, assets shrinking | | 2023-06 | 3 | | | | 2023-09 | 2 | capital falling | deposits shrinking, uninsured deposits leaving | | 2023-12 | 2 | | | | 2024-03 | 3 | NIM <2.5%, charge-offs p90 | capital falling | | 2024-06 | 2 | | NIM <2.5% | | 2024-09 | 0 | | securities losses >30% of equity, charge-offs p90 | | 2024-12 | 2 | capital falling, securities losses >30% of equity | | | 2025-03 | 1 | | capital falling | | 2025-06 | 0 | | securities losses >30% of equity | | 2025-09 | 0 | | | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-07-22 [Redlin-Ertz Funeral Home - Redlin-Ertz Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxOU2wtaElvYjQ4NDRFNG4tbkJab2dYRzJxNWdwSVlaeWQ4aFhCMDJjZk5UeFpRT0xMa1pBY0xnTWdHdVhreEtXX2RxOVA0S2FhU2p6WlpTVmpDai1PdmFNeFF5M3I2elpoVDM5YmdyWFdVUXdTVHROQTBXakd0SGtQbA?oc=5) · Redlin-Ertz Funeral Home - 2025-09-14 [Burgess is new Citizens State Bank of Loyal executive VP/chief lending officer - Hub City Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNS3BkRm4xTmM0am4zUVZ5RTZKWXZVdUEyYV95VXpCc3dZVGJYWFAwSnF6RnB4T3RHZS1VMkZCX0ZMWnA4RkJBMnFQekJJZGlROUEwbUtCby10ZlJKZTctNlpDbG81b3hlZEdXNHFBbFBja1FkUXBXQzktNk5QaTcxQzlWMjhXcVh3OURiaUVFSDhoRUx2clA5dGd3ejR0SnVObDZsa0Y1a2t5RDduSFdNcmprUmxCLUNh?oc=5) · Hub City Times - 2026-01-14 [Central WI banks warn of 'recovery scams' targeting fraud victims - Stevens Point Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQTUNOUklwUmFNNjFnV2phVHRiUnh5clUzX2FCWFE2aXhoNUl0bkM0ZnhSU09OOTNFYXZMaXpQU0ZtNkttTGJNZk9SQW5VNVd6UUVZNlowVkdyU1Y4a05kdmxVc0dGdk9jT3pSeExmRHN2dTBUSHQ3dzhUQ01EbmFTX2p0UmlfSmdJMS1vUVVlOVFDeHN3MVZYb0lfSFVEamFpakdoa24tbVpSSGRKWGF0TWh4WmJ0RUk5UktfX29yVHVWWkJhQ3ByUU1wVUV1N0I0TnNyLXdjU2liSXpNdEdrX3ZpSGh1cTkxTzdFN1ZtSVJqUQ?oc=5) · Stevens Point Journal - 2026-01-18 [Robert R. "Bob" Meyer Obituary - Marshfield News-Herald](https://news.google.com/rss/articles/CBMia0FVX3lxTE5Cd0ZqYWpDMkV3OTJKSExjTV9lYWF4enZVQ3ltY2JnSkFVa2xTcWY1MXRyR1IwdmIzYVNCUzN5NVI5eDZ0LTIwMjZObTlsaDdCRC1Dd3F0NzVpdXZhVUdfWjhuY0h6M1EzUlow?oc=5) · Marshfield News-Herald - 2015-03-28 [Barbara Ann Knutson Obituary Mar 28, 2015 - Gesche Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5ld1BvSEh1b2dyMWZRRUk2akpTTEdGb0tpYWUwUTQwQjA3UkZBeW1fMURlclg3b0VZNF94RGFhdmdLWFcyYzFDOFlscmxabDlWRllhM3Z3?oc=5) · Gesche Funeral Home & Cremation Service - 2024-03-26 [Langfeldt named Loyal Citizen of the Year - centralwinews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPN0ZlZUR1aVVGd2JIazdZc0lJbVZPeGZIZUNkTGhMT2s1c19CTVE4TlJIZFZZcE5vcFhzQ2xZdnppaUpJUjZqeFVJX0htUDlqQlVBbExOOGRkM3d4U1A5alhNU2lkYkdXcVVIbnBuUnlwLTUzdTdfNkxERTZEM1NkMndBSnNFZ0U0NWpENkFJSHJDS1dBSENFZjRXSXF6a1lpN3Bna1FNTVk5dl9EcFE3ZEcydFBweGxHOG5KYUFWMTJZdw?oc=5) · centralwinews.com - 2024-09-13 ['Everyone in Loyal is devastated': Overnight fire displaces 3 families and destroys 3 downtown buildings - Marshfield News-Herald](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNV0Zxd3lOVGVSdXdKei1HQVBaT3UzNkQteEJyTXUtWlczRGNDMHJna3Y4MlNLQlMzbWdhVENGdS1PV2MtU3ZSVGptNnNxVG4wYWZQVk1pRFZnV2o3QmJOMFRJSS1LNW1NUGdFeDdic2o2VEhneGNCWjJLUGR3VTVxVDBWX1JCeWZkY3RWMHpCc2JNdHFhM2djUU1TMXBHM2ZFN1pra1FmNnAxTWFsa1MtR1FvelNXUU9CNFpZNVVraXNWZUFXVjQ3RE03UDNvdWtGRm40UjhpOXhzVTNsX2t4eVd6UE1JdXZqWUpnRXpkTjJaMW1h?oc=5) · Marshfield News-Herald - 2024-04-09 [County highway dept. moves into Loyal facility - centralwinews.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPazZVc0F3d29FYU1DbGRzNktaRVhaUXZNOW5udHNxY2M4Rk5MVnltSWZLUXNDOTFZYWpaRnlLQkVqcUZLbnFXc3pRQXZLUEp3WkMxdzNDUi11TWd0d0RpbGlsTlhVbE1ncXFoN1U3SXVUMzZLbVRVM0RYREN0LU8tRjlIUDRtcm9QenF2MnN2Vk42NVo5TXVWSVB0c2h1RlhucE5nQ29IQUZqVVlIbDFGVm1oNnZGbFBlRzNIZzhKYUxUbXg2bmtR?oc=5) · centralwinews.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=6186 (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/42.json (key "6186", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide