# LAYTON STATE BANK
WEST ALLIS, WI · FDIC certificate 6191 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**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 | $120.7M | |
| Deposits | $107.5M | |
| Loans and leases | $86.8M | |
| Total equity | $12.3M | |
| Loans / deposits | 79.83% (p58 of band) | 75.30% |
| Liquid assets / assets | 19.56% (p23 of band) | |
| Uninsured deposits / deposits | 5.83% (p13 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.21% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.03% (p18 of band) | 10.87% |
| Unrealized securities loss / equity | 1.94% (p54 of band) | 1.65% |
| AOCI / equity | 0.38% (p38 of band) | |
| ROA (annualized) | -0.16% (p4 of band) | 0.88% |
| Net interest margin | 3.94% (p67 of band) | 3.67% |
| Efficiency ratio | 106.84% (p97 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.69% |
| Net charge-offs (annualized) | 0.03% (p60 of band) | |
| Reserve coverage of noncurrent | 1950.98% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 13.64% (p46 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 | losing money, charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | capital falling, noncurrent p90 |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | losing money, expense ratio p90 | capital falling |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | noncurrent p90 |
| 2013-12 | 6 | capital falling, noncurrent p90, assets shrinking |  |
| 2014-03 | 7 | charge-offs p90, deposits shrinking, uninsured deposits leaving | capital falling, noncurrent p90 |
| 2014-06 | 7 |  |  |
| 2014-09 | 5 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 6 | uninsured deposits leaving |  |
| 2015-03 | 4 |  | losing money, charge-offs p90 |
| 2015-06 | 3 |  | expense ratio p90 |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 | capital falling | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2016-03 | 2 | losing money, expense ratio p90 | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 5 | capital falling, deposits shrinking, assets shrinking |  |

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

- 2016-07-01 [North Shore Bank to acquire Layton State Bank parent - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMif0FVX3lxTFBPWXFOVGM2NkE3a014MXJnLU13ZUJ5dDRyWGtPSEo4cW5pRjlVcmZET3hiVEJfT09sdWFLNEw5cTJ5X1VjdXNGM1hPZFgtaVhrQTZZRmMweGphX3NBRUhlem9mRlF4Y29aSXppSzctZ2lQbko2VGJON2JvTmtqV2c?oc=5) · BizTimes - Milwaukee Business News
- 2016-10-31 [North Shore Bank Acquisition of Layton Park Financial Group, Inc. and Layton State Bank Finalized - Urban Milwaukee](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNQlVqZEtYS1kxU04yWEJwNWU5MzlsYjhrdVVLUDRWZXVDSFhBTldHWW5HcWw5RjgtOXJUUlY4Sm9mUFdRNXp1RkFZMjZwZ1EtR1kwZlhQc3IzYmpIbS1fUDVxSGFBNGZvTm9fUTI3SjRiZXkzbGlrU0xpME5YdDR6aFY3U2wxS2ZJZ0RTaGlETmJtOEUxTWRnb3BxTTBHVDVkR2FVanRhNmR5TTdlTUtzSFhVOHYxZEZ1T1dVdS1DUjRHZWRKbHFhWVJMSXVSY2UzM3c?oc=5) · Urban Milwaukee
- 2026-06-23 [Wisconsin mutual agrees to buy stock-traded rival - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOWY5bXhwRUw4Qkh0cHpKOWZ4V01Ic1JPRThuRXdqbFRCSzVzWXl5MndvMWROMzRLZHY5T3FEUlJJNXJLbHFBNEMta2x1VGtYa0ozTGNYYjRpNFptdENBSnNMOGdNTTBGRXVqMXViWG1rV1VnSTJ0dHlZNnJZby1ZTVlLVGdxczlsUHZXZU9B?oc=5) · American Banker
- 2016-07-13 [North Shore Bank building new Shorewood branch - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMid0FVX3lxTFBxYnJtWE05UzBiUUdGWE91Y0Y2SVBhTWpnVGE2TmpZQ2RUWFNfNUZwWTk2b25Bb2c4VHFGT0xNSE85cjVKd3loTDFLWU5CTzc5TlR0Z3dKMVZJQTdvYWJmQ1VIcFcyZ3JkbU5xLXdaVmxCYS1pMmJv?oc=5) · BizTimes - Milwaukee Business News
- 2016-02-26 [Lodge and Door Country Welcome New Marketing Advisor - Door County Pulse](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPVVlTOWQ1Um9yR0dCaGNodkpqQ1d0OUZoMF9jVWVzc3czcE9uWEtxVzNtVndscS1oa3lUQkNNM3laSlpFTjBuanZFMnNaQ0JZWTVPYjlWX3lPQnRvY21rbVQ4UzJ1eXdpS3RCV25CdGlhWW9NV0hNN1Y4SzJzdG9nS3Jja0dTMTVY?oc=5) · Door County Pulse
- 2019-04-02 [Nancy Priscilla Luckmann - Heritage Funeral Homes Milwaukee, WI](https://news.google.com/rss/articles/CBMidEFVX3lxTFBkdFExRnNDN1p6bVpaeTlVLU9VcjFSa0dpY0F6S2NlWmpyZE9Gay1EZkcyaWwzTm9fYVdCckN3bWV0YVNaemhnU01GZ2hhOUlDbXZ0WU1IamRWZlV2aG44OHdOWlVmbzFaazl1TFQyR0FtZU1r?oc=5) · Heritage Funeral Homes Milwaukee, WI
- 2021-01-03 [Obituary | Robert J. Stanfield, 92, of West Bend - Washington County Insider](https://news.google.com/rss/articles/CBMib0FVX3lxTE9oczJiZXNqWjB4a3RlN1hTU0VQQXhFbFdTLUlNLTQ3ZkpZa21KZDMyR2ZhNTFIRU5ITFhPY2hObndrM0UtejE4SW91OWk1NzB3S2tJX0d3eEx5c1JVRzN5azBLNEVvMjk0VHNDNVRTMA?oc=5) · Washington County Insider
- 2021-07-01 [Peter Thom Obituary (2006) - Milwaukee, WI - Milwaukee Journal Sentinel - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZGkyVEprLUpBcEtEdFExWlNxQlJGRG5qRHNvd3RiZXNvbmVMYkVkV0JJX2NFQVdlUk14WDFZUVhqUFh5eUpGc0w2LTdXVWpqTWlZNFZSSEhObGYwR2V3YVlRSFNZZm5BVWFCSWVlc1hmbGpMQjdzRVJKZjZqTlN2ODBZQUJGRnpZ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6191 (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/47.json (key "6191", 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