# STATE BANK OF NEWBURG
NEWBURG, WI · FDIC certificate 9529 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $328.1M | |
| Deposits | $260.1M | |
| Loans and leases | $283.7M | |
| Total equity | $56.4M | |
| Loans / deposits | 108.17% (p96 of band) | 82.04% |
| Liquid assets / assets | 8.76% (p3 of band) | |
| Uninsured deposits / deposits | 17.00% (p19 of band) | 25.97% |
| Brokered deposits | 4.80% | |
| Wholesale funding | 7.54% (p69 of band) | |
| FHLB advances / assets | 2.74% | |
| Tier 1 leverage | 17.27% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -0.87% (p87 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.14% (p90 of band) | 1.28% |
| Net interest margin | 4.27% (p71 of band) | 3.91% |
| Efficiency ratio | 39.69% (p5 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 32.19% (p39 of band) | |
| Auto loans | $816,000 (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 4 | capital falling, noncurrent p90, uninsured deposits leaving |  |
| 2017-03 | 2 |  | noncurrent p90, uninsured deposits leaving |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | loans exceed deposits |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | brokered >10% |  |
| 2018-12 | 1 |  | reserve under noncurrent, brokered >10% |
| 2019-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2019-06 | 2 |  | wholesale funding >15% |
| 2019-09 | 1 |  | brokered >10% |
| 2019-12 | 1 | capital falling | loans exceed deposits |
| 2020-03 | 1 | loans exceed deposits | capital falling |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | loans exceed deposits |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | liquid assets <10% | capital falling |
| 2025-09 | 1 |  | liquid assets <10% |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 2 | liquid assets <10% |  |

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

- 2025-02-08 [Third-generation banker Isselmann opens State Bank of Newburg branch in West Bend: ‘We help a lot of people that wouldn’t get helped’ - GMToday.com](https://news.google.com/rss/articles/CBMikAJBVV95cUxQRXBOY3YwUkYyZjhRNVp5b3lZRXVEa1hkc2x1TUxENzhfQTZTOUsySlAzODFtOGl0Vll1dzlxRVF0a0NTazZRRUtOVXBGbTQ5Z2U1UDZ0SnMwNVNjZktJUzB1ZzE3Sm5Mci1WcllDY0ItYVpWQm1DUDlRWFk1dHdLYjVDTlE4QzFsZ1lvaEdoajIxWFRSMkdNRjBSd1ZRZ3RIUndza1JHT3hHWFQxOW5feENLbGZCdW43MGNZTE9nSUE4c1Z4Rk9SdHdWOVZDbUVVUEJUTHhjbUdCQ05EMnZpekgyWmVLYVcydjJaY1lvd0tJVzNDa1dsdXNTV2lxOHQ4OFVkZkZlMlBVYWcxZ0gybA?oc=5) · GMToday.com
- 2022-09-18 [REAL ESTATE | Sale price released as State Bank of Newburg plans second location in Washington County, WI - Washington County Insider](https://news.google.com/rss/articles/CBMidkFVX3lxTE16U3BhQUI0OG5wZEp6dWdvQUc1RE5valcxbWZfdEdiNVQ4WTRsU3lpeExPZkVPdnhIVFZGUE1oUGd4eDVvU3pPNEJIYVJDci0xWmtXZE1HMndURjNkamJmWHV2S3F2eURaNXlzTWFfdmxrYmFfSGc?oc=5) · Washington County Insider
- 2021-04-06 [North Shore Bank Announces Veteran Wisconsin Commercial Lender as New Vice President of Business Banking - Urban Milwaukee](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOclNYeWwxNnhfUEFlYkZ0b2tadHVpeHp4MXFKa2lLcGZETUZxRWhLUnBpV1pweWlRdUt5cmpOOGxBYlViTlpwc2o4ZE5JSDJ5VnVzSlYwcGFWeG40M29vdl9KSlpkQnBhZllmTHN5RzdHa29LY0ZVcHlOZmxyWS1tN2oydEhwVW5rUGRmX213S2J3YVZuRm9jUmh5VUJ3UTlOUnhhNzh6RDBrVjctV19leko2Rzk4TkM0bUpEYnBVUHg4OThacE94YzNDZDdJUnZQMmdBSms4WF9Hd2VFdGc?oc=5) · Urban Milwaukee
- 2008-04-07 [Financial Services Industry People in the News - biztimes.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBqQzRjYl9wZXh3eEo4Z0RFWnlJb0FmTXB6akZSbDdveERTT1gwQ1F5YnVYZ090dW1zLUxwVVRnamU0bHJsRkZ1UHRkWDBqNVpNbWZ2ZnlXN2J6Y0J4b29MckNHQ2FwNE9jQzNXMTNjYzJlQi1TUEdzSjY1SQ?oc=5) · biztimes.com
- 2025-04-16 [Glenn Grothman Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMikwFBVV95cUxNV2l2Q1Qzc2FQODRBcmdsTF9KS2todUNReWtzbEk4RzFpRTdMLVdKU1c0UlkyVk1XOTcyOVJQWFIxbUFmN2pPYnZmYU04MDRmYnl6UDlYNUkzN3pZSVNQUzN0Y01McFJFU0JkcEw1alNyaWZwWEdNZmNmOVBsMF9NS01IdnJaX2JZM3NWS08wOVBWaVE?oc=5) · Quiver Quantitative
- 2024-03-05 [Priddy joins Waukesha State Bank as assistant vice president - GMToday.com](https://news.google.com/rss/articles/CBMijgJBVV95cUxOZ29qenF0MkZsVkhTb1F5QXBDSkJEWHNsWHZSUjJRVXljODVla2pUeC1SdzNOUnVQYVZFUDZqZld4ZjBfbXBIbkVnOFFuYWc0bzJtU0N4elEyS3A1WWhVZUFVWFFmZnZzTno1NV9xbUhrMVdfLXg3LTE4Tlk0ZVRwTEdVVXk0T1p4NG1EcmhLeGdJTDQza3lLZkNiQmVJUkhOWE9uZmhJQkRXTllrRjJRZzNZMDhZQ1pHV2dHRnlCSzBZeVhxVzFpaHVaLVhIelIzRFRFTk9LN09wMU94dTNkdjU3dWRreWpLYlJEX2pRU0k0QTFPckhhckdzQklvQzJSZXdxbUVjamNDb2NnWFE?oc=5) · GMToday.com
- 2021-06-23 [Funeral today for Carol Mayer (nee Biertzer), 70, of Newburg - Washington County Insider](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1SbFJ1Q2xFSW5GREs1WEpybnRMeWpXb21RYWpwZFcxNFpjTmxQejFQQjBHaGlLaW51Qk9RV3Nnd014NTNTLW8xQW96X1RRNTU0bEYyWmNEbWdtOHUtN0xYWnBsVlM?oc=5) · Washington County Insider
- 2022-01-13 [Principal at Holy Angels School in West Bend, WI announces her resignation - Washington County Insider](https://news.google.com/rss/articles/CBMifEFVX3lxTE4xWS1JV2E4OEVvekt1VkZuMVNGbklIT0hxNEJ4cmhTWnpuNXROVWtzT19uNHJoTzR6WHZON3UwMjFGSUxNM001MDNnWWh5aFQ1LUVfUTVUVkpWa1ZoVWc2Z0l0WWJTSnZET3otSUdWaHczT0Ffa0NTa0JRUUg?oc=5) · Washington County Insider

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9529 (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/57.json (key "9529", 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