# NORTHERN SKY BANK
CROOKSTON, MN · FDIC certificate 10196 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**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 | $90.6M | |
| Deposits | $77.3M | |
| Loans and leases | $44.2M | |
| Total equity | $12.8M | |
| Loans / deposits | 56.58% (p31 of band) | 68.14% |
| Liquid assets / assets | 44.50% (p63 of band) | |
| Uninsured deposits / deposits | 20.70% (p61 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.08% (p41 of band) | 10.68% |
| Unrealized securities loss / equity | 1.34% (p38 of band) | 2.41% |
| AOCI / equity | 1.07% (p47 of band) | |
| ROA (annualized) | 1.61% (p87 of band) | 0.92% |
| Net interest margin | 3.70% (p61 of band) | 3.52% |
| Efficiency ratio | 47.77% (p5 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 66% | |
| Construction % of loans | 13.14% (p49 of band) | |
| Auto loans | $1.2M (2.76% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## 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 | capital falling |  |
| 2012-09 | 1 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | NIM <2.5% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | NIM <2.5%, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |

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

- 2020-02-05 [James Ingeman Obituary Feb 5, 2020 - Stenshoel-Houske Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5tYy0wV3ZvOUl4aTMtRHpVQ0k1TzVKRzNySy1kSjVSdHFtbFMyYl9oWnZkTUZxTDRuVG9ZWWdEZmZSLUszeVJrUncxTFBKQlNmYWNPSjdaa0Jkc2tuSy0tUzgtcXdoR0E?oc=5) · Stenshoel-Houske Funeral &amp; Cremation Service
- 2023-01-12 [BRIAN AND CHRISSA FRISK JOIN AMERICAN FEDERAL BANK - KROX](https://news.google.com/rss/articles/CBMiekFVX3lxTE0zTEpweFE0VllyLUludFpKbF8zLWxyRzlHU0FLa2FLVUM3dGlic1drR0ZIXzRNazIxVGh4TWJqaXZ3ZDlnb3hfTmpvVE9rUmNDQ1BKcGNra0U0SWhaMFY4SXR5eExsdmd3eWtnb1Uzbmk1MTJoNVEzVW9n?oc=5) · KROX
- 2020-02-18 [James Ingeman, 69 - kittsonarea.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE11Z2ctbXdpQzd1ZDFkWTI1aDF0YlF2X2ljVUhTZmNaVUhDSnktMjVhUWhBOXVIbmxLY2wxZlVGbHJBcTVWckVNMlpVdW5hYnpHV2RVdEx4b1RjSVVyNzV4cHRJdVJXUmM?oc=5) · kittsonarea.com
- 2017-09-13 [Villa St. Vincent/The SUMMIT Foundation - 6th Glow Golf Tournament held at Minakwa - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVGZGRHU5LWtMWDhKdm1pWC16bHZIVWNseWRNOFNnYWp6NVZGZWFVTjIyemRmQ3AxSW5mZDBpdUFMeGdmZG44dTVRMC16eW5Ua1VLSlg1ZndXTTRVWElJUllkSDlMeWxCYWVyMmgyT043T3pHMTNOSktkTXk1dlMyUkNQR0hLbmlWclNfQWhnRk1pVUVBTFl0SnBhVU1PX3pveG93?oc=5) · Galesburg Register Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10196 (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/20.json (key "10196", 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