# PRINSBANK
PRINSBURG, MN · FDIC certificate 10191 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $308.3M | |
| Deposits | $262.9M | |
| Loans and leases | $189.2M | |
| Total equity | $37.7M | |
| Loans / deposits | 68.02% (p22 of band) | 82.04% |
| Liquid assets / assets | 39.14% (p81 of band) | |
| Uninsured deposits / deposits | 29.05% (p63 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.99% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -0.03% (p96 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 2.99% (p98 of band) | 1.28% |
| Net interest margin | 4.42% (p78 of band) | 3.91% |
| Efficiency ratio | 56.23% (p34 of band) | |
| Noncurrent loans | 0.29% (p41 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 1871.58% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 12.70% (p17 of band) | |
| Auto loans | $505,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $494,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 43.7% | |
| Employees | 32 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 1 | capital falling | charge-offs p90 |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2019-06 | 1 | noncurrent p90 |  |
| 2019-09 | 0 |  | noncurrent p90 |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | charge-offs p90, deposits shrinking |  |
| 2023-03 | 0 |  | charge-offs p90, deposits shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | capital falling, charge-offs p90 |  |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 | noncurrent p90 | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | noncurrent p90 |
| 2025-03 | 1 | noncurrent p90 |  |
| 2025-06 | 0 |  | noncurrent p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2021-07-15 [Local bank is building small-town community in Champlin - hometownsource.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPNXVTOVlzbTVkeklRejdfeEJ4dWZGUG1KSk55RHFLOElDRXdUbXZqLUpqV2p1bV9YNlBJcElFTUxMZG1Kb1pNRWhMRmFwdmRyTnpIYXJlUW4zM1lXRDJfT0lSZTRHT2pYSlNMZHIyYWhHMmQ1ZlA4bTl3QTFvTE1laXFqcXdFaG1kNERPMW9QVTA3TlRHN2FSYzlfbzFOVjFYREtpMGFFM2NOUHAxZUlsNERYZFhwSlhIV2prOHM1WHd4cTJfVGdGNFJndVFpdDhYdlJUNmV2VUtLZnptUzFVTVlxbUpuaWwxNnl4QmZjaXk2ZDkxcWlsdg?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10191 (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/15.json (key "10191", 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