# PRODUCE STATE BANK HOLLANDALE, MN · FDIC certificate 10178 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. 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 | $107.2M | | | Deposits | $94.6M | | | Loans and leases | $59.9M | | | Total equity | $11.9M | | | Loans / deposits | 62.59% (p34 of band) | 73.59% | | Liquid assets / assets | 42.60% (p68 of band) | | | Uninsured deposits / deposits | 9.78% (p13 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 10.33% (p29 of band) | 11.76% | | Unrealized securities loss / equity | -2.27% (p69 of band) | -6.57% | | AOCI / equity | -2.02% (p12 of band) | | | ROA (annualized) | 1.31% (p59 of band) | 1.17% | | Net interest margin | 4.54% (p78 of band) | 3.93% | | Efficiency ratio | 63.72% (p44 of band) | | | Noncurrent loans | 1.26% (p75 of band) | 0.36% | | Net charge-offs (annualized) | -0.08% (p3 of band) | | | Reserve coverage of noncurrent | 85.17% | | | Real estate % of loans | 67% | | | Construction % of loans | 0.00% (p9 of band) | | | Auto loans | $2.5M (4.25% of loans; DQ 1.96%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 0.3% | | | Employees | 22 | | ## Flags firing in the latest filing - **reserve under noncurrent** (`aq_reserve`) ## 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 | 2 | capital falling | | | 2012-06 | 1 | | capital falling | | 2012-09 | 1 | | | | 2012-12 | 1 | | | | 2013-03 | 2 | capital falling | | | 2013-06 | 1 | | capital falling | | 2013-09 | 0 | | reserve under noncurrent | | 2013-12 | 1 | reserve under noncurrent | | | 2014-03 | 4 | capital falling, NIM <2.5%, charge-offs p90 | | | 2014-06 | 2 | | NIM <2.5%, charge-offs p90 | | 2014-09 | 1 | | capital falling | | 2014-12 | 1 | | | | 2015-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2015-06 | 4 | | | | 2015-09 | 1 | charge-offs p90 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | | 2015-12 | 0 | | charge-offs p90 | | 2016-03 | 1 | uninsured deposits leaving | | | 2016-06 | 0 | | uninsured deposits leaving | | 2016-09 | 1 | reserve under noncurrent | | | 2016-12 | 1 | | | | 2017-03 | 2 | charge-offs p90 | | | 2017-06 | 0 | | reserve under noncurrent, charge-offs p90 | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 1 | charge-offs p90 | | | 2018-09 | 1 | | | | 2018-12 | 1 | uninsured deposits leaving | charge-offs p90 | | 2019-03 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving | | 2019-06 | 4 | reserve under noncurrent, uninsured deposits leaving | | | 2019-09 | 2 | | reserve under noncurrent, uninsured deposits leaving | | 2019-12 | 2 | | | | 2020-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking | | 2020-06 | 1 | reserve under noncurrent | uninsured deposits leaving | | 2020-09 | 1 | | | | 2020-12 | 0 | | reserve under noncurrent | | 2021-03 | 1 | leverage <7% | | | 2021-06 | 2 | capital falling | | | 2021-09 | 2 | | | | 2021-12 | 2 | reserve under noncurrent | capital falling | | 2022-03 | 3 | NIM <2.5%, charge-offs p90 | reserve under noncurrent | | 2022-06 | 4 | reserve under noncurrent | | | 2022-09 | 2 | | NIM <2.5%, charge-offs p90 | | 2022-12 | 1 | | leverage <7% | | 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2023-06 | 5 | noncurrent p90 | | | 2023-09 | 5 | | | | 2023-12 | 3 | | uninsured deposits leaving, noncurrent p90 | | 2024-03 | 4 | uninsured deposits leaving | | | 2024-06 | 0 | | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | | 2024-09 | 2 | reserve under noncurrent, deposits shrinking | | | 2024-12 | 1 | | deposits shrinking | | 2025-03 | 1 | | | | 2025-06 | 1 | | | | 2025-09 | 1 | | | | 2025-12 | 1 | | | | 2026-03 | 1 | | | | 2026-06 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2022-02-03 [Paul Buley Obituary Feb 3, 2022 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1lSU1fbmM4bFd1YjhJRUZCbHN6TllLUlYwbzJ2cFo4dVlqNW5SZUxKYlFRek5rQ1FhQmlEZG5yQjR0SFgyTXN5TFliSXJ6Z09OQ2ZOdEN6N0VDcTBlRU05RlNPMS0?oc=5) · Bayview Freeborn Funeral Home - 2025-01-15 [Remembering the life of Joan Conlin - Star Tribune](https://news.google.com/rss/articles/CBMidEFVX3lxTE5WbTZiSGVnTEloQ240ODlNWWtOSFVLVzM2dkI1aG9XbjZ6YjhGbG9tcHV5d2hnZmRvUV92bHFlanAxZWRUTWR6UHl1MnRjbkU4SV9hZDF4VDItdjRjaTBRWjVKYk52enNDZXZpRm1MeGlmSlJU?oc=5) · Star Tribune - 2022-10-11 [Janet Kay Engebretson Obituary Oct 11, 2022 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMidkFVX3lxTE9aSGp0cXl2TGpKa3NuTnhnOE4wdDFHTzdCcGRueGdyeW9fakJYYjNySmNVWElzOG9ocktURmZpazZmMG11V1pYOTVNUVZwVVFrczVjYlZhb2daQ3J5M2tuOUJVbGo0ajJlZHpmWU5sQjBfTG5Ua2c?oc=5) · Bonnerup Funeral & Cremation Services - 2017-10-24 [John Walz Obituary October 24, 2017 - Lind Family Funeral & Cremation Services](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1VUFV0NzR1Q2FQdkUyQ3RzbXJUNV95cFJZNmx4bVRYcEYxRkRmcUhOZHdmMzBIWjF3Y2VQRVV0clpGaVJIMDBsQkU1aldyZzhzLWwxUmxDMi1QR0xrSnc?oc=5) · Lind Family Funeral & Cremation Services - 2023-05-31 [Craig Allen Hansen Obituary May 31, 2023 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE9FTktSd0N4dDFyMUVOb3BHdU1Wdmk3QjhJU0FlSTVRbjNCYWgyUE1sQzhZeXBtOFNtZUJzbTlzN3oyN1NYTFZLWVNjcVM2UFpDLVYtRjh3MDhqSjlkSG9kNmJfVThtc3RrbUJhM3RTOA?oc=5) · Bonnerup Funeral & Cremation Services - 2025-01-31 [Albert Lea Tribune wins 14 awards in annual newspaper contes... - Albert Lea Tribune](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOenRFQmRaTV84bGNDaTlHN0NOWkpNQTgxWTZ6NzBZZWViSk5FeHlhYnR6VllIWjlpZ25IWU0wLWlQeVUtMjVsVFZsbWxQc1pXYm9RUTJwWUJHNTdpWG5BTmpmMlRaR2VxQnJsTzZ3WXRhQ0k4eVlDOWpzaG0wQVE1SEFRZGVmR25lUGV2S2YxdldUSmpXbVFHSHpXa21EakNGRndmNGlzbEp2UQ?oc=5) · Albert Lea Tribune - 2005-12-02 [Fred Bowman Obituary Dec 2, 2005 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1ZZFJDQUpFaUtrTFpKUjRNWlcxWUM1c3hzWjYzNmd5NmQ5NXEyRnkweFQtcDN3c1RGTGN4T0YwbzNXbmxGcHVEVXRkV0ZHTU8wVnZ2SV9WcTNVa19xbjAtQ1R5OA?oc=5) · Bayview Freeborn Funeral Home - 2020-08-20 [Stanley Jensen Obituary Aug 20, 2020 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMickFVX3lxTE84Wk5Ia0M1UHRuLUQwX1dUZWxzTUUwNzYweWxTRkVBeVVEa0lkVEJfbmp0VVd6VmRMVGVfa1RtY0hBNk4xYjZBN2xza2ZIM2JEbEFMYWg3OTNPeXVBeXE2ak1BUHRXQlhVQjc0dEJIRmRuQQ?oc=5) · Bonnerup Funeral & Cremation Services ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=10178 (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/2.json (key "10178", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide