Bank Of Lake Mills

Summary

Headline KPIs

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

• ×

  Critical· Cliff Drop Alert

  Efficiency Ratio dropped 70 percentile points vs prior quarter

  Now ranks at the 3th percentile of peers (was 73th).
• ×

  Critical· Peer Outlier Alert

  FHLB Advances / Liabilities QoQ change is 6.1σ from peer-group average

  Moved from 5.41% to 14.34%; peers averaged a -0.29% change.
• ×

  Critical· Cliff Drop Alert

  Pre-tax NOI / Avg Assets dropped 77 percentile points vs prior quarter

  Now ranks at the 4th percentile of peers (was 81th).
• ×

  Critical· Cliff Drop Alert

  Return on Assets dropped 81 percentile points vs prior quarter

  Now ranks at the 4th percentile of peers (was 86th).
• ×

  Critical· Cliff Drop Alert

  Return on Equity dropped 78 percentile points vs prior quarter

  Now ranks at the 4th percentile of peers (was 82th).
• !

  Warning· Cliff Drop Alert

  FHLB Advances / Liabilities dropped 23 percentile points vs prior quarter

  Now ranks at the 4th percentile of peers (was 27th).
• !

  Warning· Threshold Crossing Alert

  Loans-to-deposits exceeded 100% (now 114.3%)

  Loans-to-deposits >100% means the bank relies on non-deposit funding. Bank is at 114.26%.
• !

  Warning· Peer Outlier Alert

  Loans / Deposits QoQ change is 2.6σ from peer-group average

  Moved from 104.45% to 114.26%; peers averaged a -0.47% change.
• !

  Warning· Cliff Drop Alert

  Net Charge-Offs / Avg Loans dropped 25 percentile points vs prior quarter

  Now ranks at the 63th percentile of peers (was 88th).
• !

  Warning· Peer Outlier Alert

  Pre-tax NOI / Avg Assets QoQ change is -2.4σ from peer-group average

  Moved from 1.96% to 0.08%; peers averaged a 0.07% change.
• !

  Warning· Peer Outlier Alert

  Return on Assets QoQ change is -2.5σ from peer-group average

  Moved from 1.79% to 0.08%; peers averaged a 0.05% change.
• !

  Warning· Peer Outlier Alert

  Return on Equity QoQ change is -2.0σ from peer-group average

  Moved from 17.25% to 0.74%; peers averaged a 0.32% change.
• i

  Info· Peer Outlier Alert

  Net Interest Margin QoQ change is 5.9σ from peer-group average

  Moved from 5.04% to 6.83%; peers averaged a -0.08% change.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Methodology

Health Score (0-100)

Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.

Peer group

Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.

Cliff Drop Alert

Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.

Peer Outlier Alert

Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.

Threshold Crossing Alert

Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.

Source

FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 17:06:36 UTC