# PEOPLES BANK OF COMMERCE
CAMBRIDGE, MN · FDIC certificate 10192 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $301.7M | |
| Deposits | $263.4M | |
| Loans and leases | $167.7M | |
| Total equity | $34.3M | |
| Loans / deposits | 62.69% (p14 of band) | 85.45% |
| Liquid assets / assets | 42.50% (p86 of band) | |
| Uninsured deposits / deposits | 33.89% (p84 of band) | 21.11% |
| Brokered deposits | 0.50% | |
| Wholesale funding | 0.50% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.16% (p68 of band) | 10.27% |
| Unrealized securities loss / equity | 3.13% (p91 of band) | 0.09% |
| AOCI / equity | 3.35% (p91 of band) | |
| ROA (annualized) | 1.43% (p81 of band) | 0.96% |
| Net interest margin | 3.65% (p50 of band) | 3.65% |
| Efficiency ratio | 67.56% (p52 of band) | |
| Noncurrent loans | 1.65% (p86 of band) | 0.60% |
| Net charge-offs (annualized) | 0.32% (p94 of band) | |
| Reserve coverage of noncurrent | 93.76% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 20.68% (p28 of band) | |
| Auto loans | $180,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 3 | assets shrinking |  |
| 2013-03 | 2 |  | noncurrent p90 |
| 2013-06 | 2 | noncurrent p90 | assets shrinking |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | noncurrent p90, capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |

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

- 2019-04-04 [Peoples Bank of Commerce to merge with First Bank and Trust - hometownsource.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxQbTRGU00tSmxoMW5IeEFEYjVoWEpxWkZ6Y2E0UlJyblNsUDQ2c0RvNFJCN2dxQVhQRXhFdUhISHlwVmhzcE15RXhKRmJOdTlaRW4tbHJlQjRQSnUwMXo0UER4RWlScV9xMWNkUDEzVUJCeEJNMGczbTFPeER3RnVhZ2NfeFNVZTFZSUJfd3ZJV2M5RWtHaENHZkZXeUxtblVSd3FFUlRKVHdaWXhza3M0bnNiN3VtYndSeVNXVmR4NmhPRnJLQnVJNUxyNWhJLVJXUktOZDRWX2RrVHA1QzI3SGdOa3o4aWdSTHc3UW41TjhBN1VYMWdqUGlBVV9pRkZhVHlR?oc=5) · hometownsource.com
- 2019-06-20 [First Bank & Trust to buy Minnesota banks - SiouxFalls.Business](https://news.google.com/rss/articles/CBMid0FVX3lxTE5fWnV4QnZNa1BIWl8yRElhZ1p1SlFNOE40cEFzbHljN0N4V1VkSTN2OEtyYmZUMkxRNTFHeG1ISHRkTnYySjlKVlJsN1FseENVNzhkS3J5OHJjeWdGQUlnZmNqRlZOTUFEa2M3TkgtQXpjM2xDaWRj?oc=5) · SiouxFalls.Business
- 2017-08-03 [First Bank & Trust expands into Minnesota with planned acquisition of Duke Financial Group - Argus Leader](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOdDNQZFJmRHduMUdMTVNXTjZCSW9XOUlWMndteWZVSy04OEhNUURuMFZ0VUJ6bUdFcE5LUlJCQ0c3UW5QX2RrUFJqaERqdEdnTlZFamZZM3VKVW92ZUt1azlVN2lJeUhDRVR6NnVnaGdZSTkwZm00RnFUd2puNGFmeFBsbjMzMVdSTmVtelJrb2ozejZFRWxIdDlmekkteWo5OC0wV2NnRWFwNXhiRjZ1cTUxSURua2xxTTNnNnNhZDQtNXVVaGlUUHA4a2tILVAtVkRndVZjOFFFMkZCNTNlby1JR1A?oc=5) · Argus Leader
- 2025-11-24 [Bridgewater Bank Welcomes Jeff Bajek as SVP, Senior Credit Officer - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZmQ2LVFIZnBmVW9UV2VYUWR0SnFYaE9QU3k5RENJY241QlZXWnFTSnVybEo5OU1pNXBoaFg5TjlpcXZrbkNidGgzaFpMRERzSWhBUVU3X0dVVXlMNzVneFNVU19aRTg2Rl9XU1drZllEZkJUc0xZRjFIbndvX2FxVzFBQ0dVd3lTb3RzQWg2QVYxdldhdG5HRVJQX3hJVmppal9kMHdFV0ZyeUQ2TmZucVRPLUR1ajBWSFFZOUhPRQ?oc=5) · Business Wire
- 2025-01-15 [Remembering the life of Audrey L. Fredlund - Star Tribune](https://news.google.com/rss/articles/CBMifkFVX3lxTE93SzRPQV9RNjVNR2pwVDFMUFkyRU9fRXVWTXRMN3duZUhLMXlvaTQ1eUw4SGdIYjQ1U3JIVHdzYm5saDlMWmo3S0dIZ0lkaC1HbFZyMUJvdEx1RnRycU9OaWx4T1dUemxodnJKUnVVQjRGajZiZ1VnVkZsWDc0dw?oc=5) · Star Tribune
- 2012-03-21 [In Memory of Suzie Carlson - Strike Life Tributes](https://news.google.com/rss/articles/CBMiekFVX3lxTE5uVmVwQkZkMkxnTUVhQkhEUHZlRTF3UHR4QnpIZTlKOG10cjF4bG1mY3cyRGJDQVNlRnN3ZUtDcXpOSVdZRERjTHg3OGlqU0haMmZhRkZFSE9OT1J6dGRTRTB0SC1QNmVJMmttVkk3ZHFBNkRmRXluQUl3?oc=5) · Strike Life Tributes
- 2017-08-11 [Just Sold: Winners Chapel pays $6.4M for new location - Finance & Commerce](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQjR4cjlJS25jYWp6U3RxUl9XckdKemtNcFFoaWtSLTVfYzlhc0IxWlY3eF90ZnZGTVQxc1Q2elF4bE9raHFVc0ZXTXdwRGhEQm9ZWVViOFpYS0xvZWo3eEo0RzEwX3RGc0tkQjZ1S0hxSXBuVFNyV1Q4c3AwYWJNRy1KeU8zUVpJRUNTY2VQdElqM2M?oc=5) · Finance & Commerce
- 2017-10-16 [Dennis Troff honored for 50 years in banking - hometownsource.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNZFNNem9QelE4RVd5YnkwWFRTMjVPa3BxUkJQUTFhMld2RmhuSDRpQkswWU1fdmx1azUyNEZ4alhsTUZPN3F2TFJRRm42TmlITE5NOTEyc2VYdHM0WXZ2ZFo1VzhpLUtQSXE5NDNNMzktTnNzVXpqbm05TnAyU191a1JuZlFIZHQtcHlkRjNRZ3RCY29QNjQ3MGlKMnB5RjlIRVVGVGZTZlRQY3hyN0pla29sSVEycHBnRnBXVWR1SGx2UDJ1QWJ6WVJUdkdjOVdVd0d1RkN3dWR0Nkhuamd1aGNBdlNRTjdQZkpv?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10192 (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/16.json (key "10192", 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