# THE RIVERBANK
WYOMING, MN · FDIC certificate 10216 · asset band $300M-1B · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $419.7M | |
| Deposits | $384.1M | |
| Loans and leases | $294.5M | |
| Total equity | $4.8M | |
| Loans / deposits | 73.54% (p40 of band) | 77.91% |
| Liquid assets / assets | 19.25% (p21 of band) | |
| Uninsured deposits / deposits | 3.33% (p8 of band) | 12.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.99% (p50 of band) | |
| FHLB advances / assets | 6.67% | |
| Tier 1 leverage | 0.81% (p1 of band) | 9.49% |
| Unrealized securities loss / equity | 19.92% (p93 of band) | 4.04% |
| AOCI / equity | 4.62% (p78 of band) | |
| ROA (annualized) | -3.27% (p2 of band) | 0.70% |
| Net interest margin | 3.71% (p47 of band) | 3.76% |
| Efficiency ratio | 148.17% (p99 of band) | |
| Noncurrent loans | 13.52% (p97 of band) | 2.16% |
| Net charge-offs (annualized) | 0.76% (p75 of band) | |
| Reserve coverage of noncurrent | 30.27% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 692.82% (p100 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 112 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | expense ratio p90 |  |
| 2011-09 | 9 | capital falling |  |

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

- 2026-06-23 [Stearns County Bloodhound Tracks Down Missing Man Stuck On Sauk River Bank - KNSI](https://news.google.com/rss/articles/CBMirAFBVV95cUxPMmNEb2k2SWRDZVVsOERUd08ySC1LVmx6M08xSUVyUTh0VTBQZmFKeHA0SDNGMGJObHg5c3hzMU9CZlRndjFtTlFqT28zXzUtZGM1ZUU4TEQ5VG1od1V3RHNKT2xuZzcteDRpUmlhRjhLbTBSaEZ0WFZ6Rjg3VFVqZ0hJZjI0OWpmeE5FaGxlUmtMdTJFZE1ZU3ZpOEJJRDZyMWRJdFFSaU03UVBo?oc=5) · KNSI
- 2025-11-06 [Socioeconomic impacts and migration dynamics of riverbank erosion - nature.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE0wakxUS1VGTk5KQlFWRDBaRHVnMDJSYUZ0a01hQTh0aFlyc29xTHpOWFVtV0N2eC1Pb1NsVzhFcUxzTVhINkV2OTFUcmxzUWN2U1lmM2tDTk1vOGt1bVFV?oc=5) · nature.com
- 2026-04-24 [8 Best Small Towns To Retire In Minnesota - WorldAtlas](https://news.google.com/rss/articles/CBMihwFBVV95cUxNd2VpZFVOSEVZQnk0SG13S0lrWTItMFhqTFctb0h4MzlDTE1XaEdqTVotdGdneEhMeFB5ZXBQNC1tbktlSE8wWXIwdWhqUG4tU2RSNi1nblVkSmZUUlh0czYzVnFzMTRWT0d0aGRiVERYTlpyOUctQm00MVFjLXM3aDZTblR2MVU?oc=5) · WorldAtlas
- 2025-10-13 [Man rescued after falling down steep river bank near University of Minnesota - Bring Me The News](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeUYtY3ZRVFBXR3Z4NHd1M2ZLeFRBT0VhZ1FlXy1OTVVBTUdONXJLZHVMUm80cWdXVC1IVVJueHM5S3owdmpqR1NvM3lyRmh1LWxPSUY4S19yYlRSaUFjbUJReW5vTk95bzR1SGJqRkpKYXZEVEtSMkRDeEFtQ25HR3ZXTXVyY2tPY1BSR2o2QkdhOXZaR0JHVThGa1NoUFFqSmVLX0hnd1lJb1kydm5Xa3l2NWJqZ1p3a2c?oc=5) · Bring Me The News
- 2026-02-27 [Community at odds with state over cleanup of St. Paul Ford plant site - startribune.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNThmbkVaMXp1azlycjJuT19hYWVRTFBHVWphWTdNM3NJZGJBaE4wTDU4cWhEOVhhd002ZnlIRXI1aC0wb0FSODJmNk8xbFpQMDl3eFFGSm93ckpHY0VKWmk3NURIU2lPMHkwcHVLNUtNbE1sVFZWZF9pY25kLVMxaXcydkJnN3o1N0c0bjBVYjVVTHZHcEZWN2hWN0U5SHNPMVBUZVN2RXpYdw?oc=5) · startribune.com
- 2022-02-01 [$7.2M riverbank project still on tap for '22 construction - Mankato Free Press](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOREkzUXhTd0hYdnl2bk5RS3FneGhYUXhPbEVud0NnZW5VWmRlNF9BSXFSX1I3UTJGcWY1LXRoSUthb3NaalFoNVZLMHF6QXJ3aDYwZUtOSVFvaWZZTURUY1ZhWnE0WFk0MXRQZkhKeXdHeWtDUlZ1LW1YUmNpZzZxVkw5VWdQRG5YYkxGRUk0RUdvTll6M2ZCZmUzZGRtUkd6dDMzaGNpMWo4WlR0TVdQN3BqRmRXYzd0cEh5MUszS1pMV0tEd3ptSmRfQjA3OGNrY2NTWGI0WHVmM2pZTFhZNTlQZnBaOXZHUWc?oc=5) · Mankato Free Press
- 2025-10-15 [Part of a 4,200-Year-Old Human Skull Is Found Along an Indiana Riverbank - The New York Times](https://news.google.com/rss/articles/CBMiekFVX3lxTE92V0E0Rm5pV1VQb0JhcC1rLVIwaVZQeWdoTEF6RS1PeWprWUlRMl9jTTRJV250WXpDTndDUHF2VzRLbWEwTVRyMVFoNEswRnhrUkdJMnhXVlR2Q0JaWmlSSDBTbE15ZGFicUpWVVY1T0pFRjI0eXVOVTlB?oc=5) · The New York Times
- 2026-08-13 [Watch: Singapore-Flagged Ship Suffers Steering Failure, Rams Into Hooghly River Bank - NDTV Profit](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQcm45VW5hbXpHM1pIVEhLT1JFX1dXbHZnMWJuXzdQMFhST2Z2TnMxTGJ5RXl3SkFJRVZTWFhEUUlTU2JJV0ZfTDhzc01GU1pVVFhsMHhnUU1YejZIbDY5WWktWHFFU1hnWEZtaDlXMUVkbjlZZ1k4Mk9LTXpNcFRHN2VnSklyMjlSTVR0SXdLWVNwekpEQmt2Y3dTWXE5TVlKUmY5ZjNvbVQ5eVl4SUE1WTFuZk5oY21kdUZpaTB6UGFhd9IBygFBVV95cUxOemlGQUQzMGUzbTkzdXlWNng0TGFZcWk4RExKQWNhcHU1NmN2d2xhTGRRNkZNSTFSb1d1NXBnR0tUSERFbHczWTNVSXdmVktKOG9WeEpzekc5aG8wNm5iUHZsdlhydktmelQtLXRaaThkYlVlNWhJamN3TVkwXzc2QmRtMTQtblYwUFYwckVPdW9JTXNPbUtDMjkzeG5NajhFUWpscWhPYXNSSGx6Y0ZHRWg2TkZFMk5VRHVIc1RBUjNpVmxXQjMxYVJB?oc=5) · NDTV Profit

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10216 (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/40.json (key "10216", 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