# SUPERIOR BANK
SUPERIOR, WI · FDIC certificate 6192 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $32.7M | |
| Deposits | $28.5M | |
| Loans and leases | $17.3M | |
| Total equity | $4.1M | |
| Loans / deposits | 59.67% (p32 of band) | 69.17% |
| Liquid assets / assets | 44.54% (p69 of band) | |
| Uninsured deposits / deposits | 2.53% (p13 of band) | 8.28% |
| Brokered deposits | 3.06% | |
| Wholesale funding | 3.06% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.25% (p76 of band) | 10.02% |
| Unrealized securities loss / equity | 0.07% (p12 of band) | 3.21% |
| AOCI / equity | -1.77% (p3 of band) | |
| ROA (annualized) | 0.02% (p13 of band) | 0.78% |
| Net interest margin | 3.28% (p24 of band) | 3.76% |
| Efficiency ratio | 110.47% (p94 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.31% |
| Net charge-offs (annualized) | -0.24% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $428,000 (2.47% of loans; DQ 1.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 2 |  | capital falling |

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

- 2017-01-19 [OCC Enforcement Actions and Terminations for January 2017 - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTE05MEdGcE1MQzY1a21iM3BjblUzX1VHTmxzdWdKT25aTERONmM2QTY5eDNGdjkwdUNhZWdPd3BfMXBXVGpCT1VrUDliOU1EdjA1bEM3cXVTeU1hYzNCOGZldkZWTmVtUzJKV0JGOTBsTE1zZFNIWWZzOENuRHpzQQ?oc=5) · occ.gov
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-06-19 [Chippewa Valley finds opportunity in Superior - Superior Telegram](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRVFKZnZpNURTek9UR3RpQl8ySFgzbUF1YWVfbVNHMjlzX05QS2tIcXhDb05tUXluNndFM212T3VENzFMc25QSm9KMjNLYkltRDRyNTZwOFRRTlNIemVOWlR6WU54MzZoNHNfU1VDVnRpM2hhemlqMWttTWZOcEFoTnJDbzlhV09neFlz?oc=5) · Superior Telegram
- 2023-07-25 [Raja Khalaf – Cadence Bank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE8wSWZZMlJMY2kzZ3o3Y25SeGZubUdkRjh1MXM1cDJ3QXJaY1k2ZlR0czBXSzRfcDYyM3poSUJ5NVAySlF4V0FfZmI3YlNaM0F5cW91VnluTDJzcHc1TW8zMFBMUFRkcktuN2lnVnpveXlnUy1UQm5IRw?oc=5) · Vanguard Law Magazine
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2016-08-30 [Dawn Staples named Superior Savings Bank’s new president - BusinessNorth](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPM0JweFpSZExUbUVrS2RRZWJLOWN5VU5Xb3l1d1pZMHJXcmxTTXJoYThjTFl0LW4xdmRvZ3dCUWludmdZSGIwOGZoWlJWc1I1LW1VemlyRXZqc1FGQUZ2WldWR0laSlJiNHh3a1YxNS10RTR2enN4RVloVGFXbURsZlNSeF9zYVRjZi1BbWlLV2NHWmtlN0tBUXVldjc5UEtFRE1zdmxWYjI0c09HUkJqYURPN1FMQlVNd3l3ZFUtNEtRRDJrWlhLOG5mWUQ0ZEVlTVVQT3VURVlEcnMzMTZNalBzVmRVUQ?oc=5) · BusinessNorth
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2026-06-24 [Deal would merge 2 banks in Michigan's Upper Peninsula - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPQzhxYkV6d0VOdTh0d0p6SUZMQ1hCQXliYWhZMG5pVS1QR1ZSNnhpQlJNTjBleGxkMG9rTFpXTllFX0pUODRObkFaTXdPcHBRM3o1UFRGYXNwbFZhazB6ZXV2bnNTbklUNEtiTzd5bG03Tk5STTF3S3VmRjlQMmdnX1hkVmJMYXZqTHhYS2U4SDd6M2RKb0E?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6192 (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/48.json (key "6192", 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