# BRISTOL MORGAN BANK
OAKFIELD, WI · FDIC certificate 9523 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $191.2M | |
| Deposits | $157.1M | |
| Loans and leases | $154.7M | |
| Total equity | $19.8M | |
| Loans / deposits | 97.37% (p89 of band) | 73.59% |
| Liquid assets / assets | 16.33% (p14 of band) | |
| Uninsured deposits / deposits | 22.28% (p59 of band) | 19.81% |
| Brokered deposits | 6.76% | |
| Wholesale funding | 13.55% (p90 of band) | |
| FHLB advances / assets | 6.80% | |
| Tier 1 leverage | 10.25% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -1.73% (p71 of band) | -6.57% |
| AOCI / equity | -0.12% (p63 of band) | |
| ROA (annualized) | 0.91% (p35 of band) | 1.17% |
| Net interest margin | 4.23% (p65 of band) | 3.93% |
| Efficiency ratio | 72.66% (p66 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 265.11% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 101.52% (p94 of band) | |
| Auto loans | $360,000 (0.23% of loans; DQ 1.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.4% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2013-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2014-09 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 2 | capital falling, reserve under noncurrent |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2018-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | expense ratio p90 | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 2 | capital falling | charge-offs p90 |
| 2020-06 | 3 | wholesale funding >15%, construction >100% equity | expense ratio p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 3 | brokered >10% |  |
| 2021-06 | 4 | loans exceed deposits |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | capital falling |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 | reserve under noncurrent | capital falling |
| 2022-09 | 5 | noncurrent p90 | construction >100% equity |
| 2022-12 | 3 |  | brokered >10%, loans exceed deposits |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | loans exceed deposits, deposits shrinking |  |
| 2023-09 | 8 | brokered >10%, charge-offs p90, uninsured deposits leaving |  |
| 2023-12 | 9 | capital falling, losing money | loans exceed deposits |
| 2024-03 | 9 | loans exceed deposits, expense ratio p90, assets shrinking | charge-offs p90, capital falling, losing money |
| 2024-06 | 8 |  | expense ratio p90 |
| 2024-09 | 6 | expense ratio p90 | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2024-12 | 5 | capital falling, charge-offs p90 | reserve under noncurrent, noncurrent p90, expense ratio p90 |
| 2025-03 | 3 |  | capital falling, charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | uninsured deposits leaving | brokered >10% |
| 2025-12 | 2 |  | uninsured deposits leaving |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 1 | construction >100% equity | wholesale funding >15%, loans exceed deposits, capital falling |

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

- 2018-04-09 [Streetwise: Bank of Oakfield changes its name - fdlreporter.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOTGdjMzlpenhfYUR1LU5VY1N2QXhFY1hyODZ1STZYNkZiTlpUZTFaNEpxZk1RVW9rRXdFXzkyZUVSblAyd28wWERxRTk5SlVYNE14WXpkYTRScDF5ajc2em5BbGh6WEFkQlBaSDJGdXhKSFB2cDlfRGVJYjJUSHRENnZnN2NfWmRzM2UteGM5M05iOWJMa1EyV2JqSzRSeTBzcHUxcWtn?oc=5) · fdlreporter.com
- 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
- 2022-05-11 [This Green Bay fintech company wants to bring crypto technology to your community bank - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPOUhsZ3IxbWNxdlVYcEVBVjJkZFpEMWlROVdRbktDNzBBWlBaRXp5bGlxNWFkSTZNUTZlZG5zZWhqMUpfUnBiU3pHOVlXNDBUTHc5SkVnVkhrMjFkdEhMQjBjTG1wY3NMNnBDcE9sOGlQb2s1aUx2WEpvajhmdW9NWktQYzZTcmdDeEZSNU04c1NsUGE3bHNqdDdKbUpxODV3Y1RTbWVQUWp6MU1HdnJnbll2NGM4UU04Zmh2WUNSU3Z5M3U0Ni1iWEFjUWZsLTIyNWc?oc=5) · Green Bay Press-Gazette
- 2025-10-30 [FHLBank Chicago Awards $5.9 Million for Developer Program to Empower Emerging Leaders in Affordable Housing - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPUDZKMEcteXdmNXZ2NzNSOWhuaW5lOC1SV3Y5RjBDRjNmWERrYXVDLUJ1N1dCbWxiSnFWV3VXRmQtNEU2UVJ1bmhzMDZmenNBMUhkUlFPNURwcjhySHpTb2RSU1lUZHNZZFNDMmZ6a1NXcl92bVNTTzlPZjh4cEZkZi1hUnczUE16cVl3ZDd4UXFsQ2wyeHFvazFZdHlvVFRGcGdQdE1GN0oxblFCajI3YWotclBpejVpYmM4ZVFyS2RaWm5uYWZtZEN4N1JNLVJQVUxjRUpiNkRxaG8zZ0FpSWVuQWNpem5zZnEyWTd0X0FOYWpyMG9RNmF3?oc=5) · Business Wire
- 2020-10-27 [Russell Kamphuis Obituary (1947 - 2020) - Fond du Lac, WI - Fond du Lac Reporter - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdUp4YS1iM2tscFBQLU9PNTcxMVZ1QXpSY2gyZVdJVGswbXpWY3NiNFMxSURxV1FVdnRhUnJqMVpCaV9weFlPWVJ4eTNsZzlrLTZUM1dvR3NxNzhwUUF5Ylp4X1hGQ1pjeGZ3RlQtR3B1YUpsdzdMLW1naTVHZ3JzcjA5b1dnSk1ndGpaUnF1cC1ZSHQy?oc=5) · legacy.com
- 2025-05-15 [Former Fond du Lac resident wins the Samaritan Cash Raffle grand prize - KFIZ](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTlVMcGEwZzdlR01TSTZiTEVTVlFJTHktR0NialhWcUkxeTZLdUJ0bnlCQkhoWlNNQzFjZHVTckRuMmpkX1VhWWZmVVNaZDRIeFNxYnR3NGpFRXhhcEp5Xy1BeUI5MHU3UDhKZURUSHVHQjRiN01wSm5UZDljOUNRd0ZWaEdtRGdWeDBDUXZ6Z1haZw?oc=5) · KFIZ
- 2026-07-30 [Boys & Girls Club spelling bee raises more than $46K - fdlreporter.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQUE9pVTFPYWZ1S0oteE0yNUNyazdvWEpvYVBVa1c2cmpnYkg2blZxVzg1RVUyc2NmWnNOVkZpU1loWlRwZU8xTjExREdWcjkzUnhGbkg0Wk5HRHdaY1p4Y3BFdEoyMy1NaGxXY1RhX1NFcG1WSEJWbDl6ZUYzSFVoRVd6amJUQUJsYXN2UDZzRlVHMDd4T3pRYTZmSF9MRE43TE1mMFZhMHNfazZaczMzNTlOaVBQSGFrQ1NSeg?oc=5) · fdlreporter.com
- 2026-04-07 [Samaritan Cash Raffle tickets now available - KFIZ](https://news.google.com/rss/articles/CBMicEFVX3lxTE9kVWNTcTdVMFREUnlwaDM5cFo0cHc3a29kWXJLTlBjdWlIdU5LRUYtNm1nU2N4S2NYSktMM0d3eHNYQnBTSi1fUDVSU0ZXRElBWVQzNmNtSDZqVENwVHprcVN0S0ZKSWZVbVNObjlXQ2k?oc=5) · KFIZ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9523 (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/51.json (key "9523", 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