# MOUND CITY BANK
PLATTEVILLE, WI · FDIC certificate 9037 · 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 | $550.7M | |
| Deposits | $468.0M | |
| Loans and leases | $434.2M | |
| Total equity | $69.1M | |
| Loans / deposits | 91.52% (p74 of band) | 82.04% |
| Liquid assets / assets | 17.25% (p22 of band) | |
| Uninsured deposits / deposits | 15.73% (p14 of band) | 25.97% |
| Brokered deposits | 2.78% | |
| Wholesale funding | 4.60% (p56 of band) | |
| FHLB advances / assets | 1.82% | |
| Tier 1 leverage | 13.07% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -5.57% (p60 of band) | -8.10% |
| AOCI / equity | -0.85% (p27 of band) | |
| ROA (annualized) | 1.67% (p74 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 54.61% (p29 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 1252.78% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 53.89% (p60 of band) | |
| Auto loans | $1.5M (0.35% of loans; DQ 1.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 75 | |

## 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 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | wholesale funding >15% |  |
| 2016-12 | 0 |  | wholesale funding >15% |
| 2017-03 | 1 | wholesale funding >15% |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 2 | loans exceed deposits | capital falling |
| 2018-09 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | charge-offs p90, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2013-08-28 [Mound City hires Timmerman - SWNews4U](https://news.google.com/rss/articles/CBMidkFVX3lxTE9YYW92bHpvVkZQb1FvQW54S3h3MzF6VW5DdEQ2b0lPQ3JpQVhHM1I5TThBMVptS1BUUjdsa2ZLLWlOdmRfRXluaVA1bGxmVWhiajNpMFNXSmRnRHQ3OW5wZTN2V2djbHhWUERxZFFHSGRwQ21paGc?oc=5) · SWNews4U
- 2022-06-21 [Racine Banker, Alvaro Araque, to Serve as Officer on Bankers Association Board - Urban Milwaukee](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPcGstZWhTNGtVSEluZDJYajl6NVJKcWEyc0tZTWpiNkItbW1IMElrUUNqZHVfcjEyYlN0RVNHcG44X0lmSHhITXRMWENVeFpvN2FuUUpMUWJrS3h4U1lsWmtxaHFFSzdVT1huM2k4NzJQeFZZTm1CVTlJdTQtdGxkd1lpSHFPOUZtazVUZXE1S2FQdzVCQk5RbGJMMkpRc1hlSDA4cW1ZZDlzM0xVc1Z3T09QZXBhb196?oc=5) · Urban Milwaukee
- 2024-07-27 [Obituary | Judy Kay Steinhoff of Dubuque, Iowa - Haudenshield Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5lRE9qNzFsQUZJX19NYzN6MDV1WG5fVlAxUll4OHdkb0o2NVhDalNFZWtwVXR3VGRIQnM3TFR0N2lxQjkwYkNIcTJYMGxDbC1kRG55YWE1bU5QOFZGVTFDOG82dm1YRFBUT1MyTzRvOVg?oc=5) · Haudenshield Funeral Home
- 2019-08-24 [Jean E. Sieger - Daniel Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1yc0xqcWxleTJzQ2dZdHB4eENDekN6NGx1OXhxVjE4dU51MURicnRRblp2Z3AzeUd3TG52dHZLbWdyRWZiRFhxSFNtY3BFYVJyVWJQbUxBSHZWSWQ1UThLWnBObw?oc=5) · Daniel Funeral Home & Cremation Service
- 2019-07-19 [Richard McWilliams's Memorial Wall - melbyfh.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9KNzlVblhaS1Y5YXZHSUxtbzBBTDlKeGRiVG5XWFVydjhDVXpUSFljeWp4ZGhkWGVtbTB3MDNZbWQ1WlplNFBXRy1MV1FtOGxkTlZUSHpGdVhCQTRQUEU5Z1JfV3M0ZnNVQkE?oc=5) · melbyfh.com
- 2018-06-08 [Park Bank's Werner elected chairman of Wisconsin Bankers Association board - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOSFdvMHdja3Rrc082YzJIcy0zUmlwU3QxaEtHSGtZZ0lHVzdydE1tMWZmaE1EYUJSTmpHQUM1V0xIY3l3TDZUMWh2VUZoMzdvRDdGQ2k4NExud3pLdTRleW1GSHlGTTFXN0pOYWcxNHVPOW1sRDhGbzFULWtLOXlwVURxMXBOcEV1dE9jQWhuSk9iYzRSWmZjTWw1REx2b1BZU3QtR1ZnVk5KWkhMWDBSWU80UzlhV2ExNU04Q0Q3MVNnX29sX05aUDhESVJ4TUMyOHVVLWM5a2UzVWJpMzJScmJWYkMwUQ?oc=5) · Milwaukee Journal Sentinel
- 2011-06-20 [Robert J. Beinborn Obituary Jun 20, 2011 - caseymcnett.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBKdUFwbzRST2puZ1BNVklxcXFNNUxSRTRwbDhfLXFVOEpMNGM4UFM1VkpJeTJhVGQ0dEYyT0lMZmpyWDFUQk82Qm12MHVXN1RRQnFPMTkyREh3cERmSXZSNXl3TnpWekk?oc=5) · caseymcnett.com
- 2013-03-19 [Mound City promotes two to VPs - SWNews4U](https://news.google.com/rss/articles/CBMie0FVX3lxTE05Yng5OTd3UlFTakdTOUl2a1BlcmNvc2JxQlZveHlIOUwweG9DX1lQckg0UVB6b1AzamNGcEdKOGE0c2JiUTMwbTdwemI3N0hZbnRJVGhEU0lCem1fNV9vNExER0dyUHdodU9pOHFPZDhtbFJmVnVQc0tGVQ?oc=5) · SWNews4U

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9037 (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/13.json (key "9037", 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