# PINERIES BANK
STEVENS POINT, WI · FDIC certificate 9526 · asset band <$300M · 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 | $149.1M | |
| Deposits | $130.5M | |
| Loans and leases | $100.0M | |
| Total equity | $17.2M | |
| Loans / deposits | 76.17% (p55 of band) | 73.59% |
| Liquid assets / assets | 28.70% (p40 of band) | |
| Uninsured deposits / deposits | 14.47% (p29 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.34% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -0.24% (p86 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.52% (p68 of band) | 1.17% |
| Net interest margin | 3.43% (p26 of band) | 3.93% |
| Efficiency ratio | 55.90% (p24 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 62300.00% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 28.33% (p62 of band) | |
| Auto loans | $1.5M (1.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, construction >100% equity |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 3 | capital falling, reserve under noncurrent |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 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 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | NIM <2.5% |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | NIM <2.5% |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 1 | uninsured deposits leaving | deposits shrinking |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2024-09 | 0 |  |  |
| 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)

- 2023-06-30 [Mark O. Ilten Obituary - Stevens Point Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBSdWlQcnBxU0lTMkVQZ0FZQUsxOFZQajVoRHVJSVFraHpvSlJBclJKUVA4QmRjT1lYdThiVURqXzBfaXpZMUY1clBkQ095WUQwcDN0ZS1Rb2dQank0NGozT0IySTJaMXc?oc=5) · Stevens Point Journal
- 2025-01-17 [Portage County taxpayers reminded of Jan. 31 property tax deadline - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMilAFBVV95cUxOaUREcVdOZmlIOXI3Y3NWV2dUakhBdU5xMjMxZGx1YmJnMXlwWmM2MTBWOFg3TXJodERZdzNfblNHdU9RajRzQXl1a0tMSEthaTJjSW9leFotR1AzLUp4MWFfdzY2TWhnd0FxMjNBYjRzTGpYanFYZndLVVdrSjBtcFNWdFVUbmxzTlhiUnN6NGtMaFBp?oc=5) · Point/Plover Metro Wire
- 2007-02-06 [John B. Everman Obituary Feb 6, 2007 - Pisarski Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBMOGFfcXFHSjUxMjh2Q2EySDFuUlZ5aS11YUowNDFJSUp3T0h4VmZrUHlLb3V4VVNNQldzZFJzbjNYOHI5bEloc0VJTUVwRFpYSmY1RHczZG9zNUg1ZDN1andOeU9hMXZ6?oc=5) · Pisarski Funeral Homes
- 2025-07-15 [Final property tax payment due by July 31 in Portage County - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMijAFBVV95cUxONm1RSmZ4RnZycUE5b2FjM2xfSGR4Q2pySVJpMXZuUmM5NzVPdXdvcGJoYnl0dFdkQTMzb21FbTFkR0lod0lNUVhRbXhfZkVSNXo3TEVSZEVzLTg2RjRTaE82UHR0V2Z5aUhaWm1GTTZ3Mk1tR3VkajVBNG5uV1VvNkV4Ym9OTFFnLWNITg?oc=5) · Point/Plover Metro Wire
- 2017-05-31 [CAP Services launches capital campaign for new headquarters - Stevens Point Journal](https://news.google.com/rss/articles/CBMiygFBVV95cUxPOW85TXotWVlGYU54ZTZtTlJmMU9jWkVUR0pzemYtaDZDTG5KMEY4dUlsaWpVcGU0amxTR3R5dEUxWDFHcG84ZnNxd1BYY2FGOEc4cWhZLTZPczJILTRoNDhpZkE3eFczbVFxdU1nbENvYkcwbGRlQmVlYVVoNS1IMGsxa1BtYmtkejBROGhJcGsyQmY3MjB5c1JsYm9jNHNtUEhGazN2TXRUazZ4X09Gb0k4WkZWOHZORXRJUkY3LXNhMG5JdHFBVlpn?oc=5) · Stevens Point Journal
- 2016-06-09 [Orange Barrel Art project - Stevens Point Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxQS20wM0NTMTRSQjFTRWtDQVgyOGR4UElvUURaV1N3dXNzMmVTTVduWUprcXp5UU90SVdvOWlfNVRFRzVLeXp2Q0JOMEs0Um5vZlV4bmVUemVNZkx3SG9IUFE4Q2t4cHFudldWbGZsVUl1X1pDMzlFMklCY3dabS1KeXlaU1gzZFJlZ2xCbDRXeURsajU2THJGMUxFcThDZHMtbXpLSjhBbUxUYlVQdmc?oc=5) · Stevens Point Journal
- 2024-07-18 [County Treasurer: Final property tax installment due July 31 - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMijAFBVV95cUxPa2pieWxjdDA2cnR4X3ZsRE02clRaQUVXNVZLemtIQnhNUWp3VW5DNkV1aFk4NmxHUmJPRk9OM1hjbzJRZHR5SkwxZFVEWVpIZ2RzcEQySlJzWDV6M3A5MndOazRPNFUxLXlpRWVPUmgwMGtRalhxRDBOSzFtZ1pfSE5KaVNGRzVhYkxURA?oc=5) · Point/Plover Metro Wire
- 2026-07-21 [Portage County property tax deadline is July 31. Don't risk penalties. - Stevens Point Journal](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPWDJ5UGFBTFZFWTlxYmZ6c18zOERXNHFxY016aXc2THpWcWI3dy1oSHNEZkNXcU5ES2lvQzEwOXNwYTFtdXdpcWF5Z0UwOENHaDNnVmFlR2NUVEthTlk1N0hvbVM4a3hmRGdxRnFmTzROSUNWajdxUm9aX3dYZnp4dVd2UkNUbndHd1d3Zkc1cVo4T1M3OWxOZWdmRFpsdUdsZ2NMOWNXc0kzWjlrM3JSdi1TNUpuQmExUmx0OFdRVFl3RWFVR2NuZnJuOENESFVkTEFyR0hZbG5BcHRw?oc=5) · Stevens Point Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9526 (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/54.json (key "9526", 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