# AVON STATE BANK
AVON, MN · FDIC certificate 10171 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $108.9M | |
| Deposits | $93.8M | |
| Loans and leases | $37.8M | |
| Total equity | $14.6M | |
| Loans / deposits | 40.34% (p9 of band) | 75.51% |
| Liquid assets / assets | 58.64% (p88 of band) | |
| Uninsured deposits / deposits | 6.40% (p14 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.54% (p10 of band) | 10.91% |
| Unrealized securities loss / equity | 0.81% (p68 of band) | 0.10% |
| AOCI / equity | 2.26% (p73 of band) | |
| ROA (annualized) | 0.73% (p40 of band) | 0.87% |
| Net interest margin | 2.67% (p8 of band) | 3.67% |
| Efficiency ratio | 51.88% (p9 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 4.63% (p29 of band) | |
| Auto loans | $952,000 (2.52% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 | capital falling | uninsured deposits leaving |
| 2012-12 | 1 | reserve under noncurrent | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | AOCI drag >20% of equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 1 | charge-offs p90 | capital falling |
| 2015-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 2 | NIM <2.5% |  |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 2 |  | NIM <2.5% |
| 2017-06 | 1 |  | capital falling |

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

- 2016-12-08 [American Heritage National Bank buys Avon State Bank - St. Cloud Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxPWXF3eVRQMlFqWngwbk1ENHNlUE1halNoZ3NoLWtCTEktUExzQmJTLXNhdGpVZDJ0anJhb1NoX1oyTWl1U0tnOHRianVxcTh5OVRRTkJ1STRSUlBHazVWUDlsZFZIbjRoWVVJSEV4YjRTYldZT3FrSFlic3lKT1hLLXplQUIxdHVJWE1FTjNLb19QSmV5TURvUDBjSGs0dHJPZHVtTkJBSFc0SjVybGc?oc=5) · St. Cloud Times
- 2017-03-07 [Collegeville credit union plans merger with CMCU - St. Cloud Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxQa2pKbGpTb2hRWlI2dURoeFNVbDNRWmtKVmx4S3lUNGNGT1NzNkVKYTBVc2lhSW5hMU5NZ2IxX2xhSlVWTnhlSmNmVnBwTHMzMnYzVGV3X2luYVRoMktScHJ1d2VLX2xHdVZDX0s3d1Zfb1JEV2NTY1hqbWFDd2ZWOXo2Qm5ycnlWXzhPZXAwenBnc1llOHgxdVRUQ2o2Y0tlRXc?oc=5) · St. Cloud Times
- 2022-08-26 [The City of Avon Has Gorgeous Stained Glass Lining Its Main Street - 98.1 - Minnesota's New Country](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWWJDYXU1ZjRHY3JtbmRzWU12MVItbUFRVUU0VXY2aFl6R0xVWHJSRTU5Q2F6NUF2c051QnU5Y3dQdzV6czduZUpiOVZPQ0RjZTgwSDNlT1piSlJveVdwbHk1MlR3alVQVDJ1NWNkUDdKVlRJRmMzZ2ZMZHJMeGxCdVJjb3JObHlQMzNmRlZMNjVWTDVCdEg2U2Nva1hsOGlNNnc?oc=5) · 98.1 - Minnesota's New Country

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10171 (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/59.json (key "10171", 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