# GOOSE RIVER BANK
MAYVILLE, ND · FDIC certificate 10236 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $173.4M | |
| Deposits | $147.3M | |
| Loans and leases | $130.4M | |
| Total equity | $19.7M | |
| Loans / deposits | 87.66% (p76 of band) | 73.59% |
| Liquid assets / assets | 20.50% (p23 of band) | |
| Uninsured deposits / deposits | 17.07% (p40 of band) | 19.81% |
| Brokered deposits | 5.77% | |
| Wholesale funding | 8.65% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.48% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -3.41% (p63 of band) | -6.57% |
| AOCI / equity | 0.03% (p86 of band) | |
| ROA (annualized) | 1.20% (p52 of band) | 1.17% |
| Net interest margin | 4.34% (p70 of band) | 3.93% |
| Efficiency ratio | 70.47% (p61 of band) | |
| Noncurrent loans | 1.71% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 56.42% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.8M (1.36% of loans; DQ 1.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | wholesale funding >15%, deposits shrinking |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2017-12 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 1 | capital falling | reserve under noncurrent |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2024-12 | 3 | reserve under noncurrent | wholesale funding >15% |
| 2025-03 | 2 | noncurrent p90 | brokered >10%, capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | noncurrent p90 |
| 2026-06 | 3 | capital falling, uninsured deposits leaving |  |

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

- 2006-05-26 [You could Bank on it - InForum](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8tTWQtMWRGQ3V6cHJFc3M0SHVFWnBiSDU4OGk1TUFYaFBzYmJfYmlKeG91WXNzZm51WnhuQ3g1Q25QbW5PTlllS2J4SG1jNVFMdmVaQk9DOVU0bU9qWkVfelVnQQ?oc=5) · InForum
- 2023-09-15 [Fund set up to support Hatton Northwood Thunder Volleyball team - Valley News Live](https://news.google.com/rss/articles/CBMipgFBVV95cUxQMVAxVWhyZ3g2eFQtYmZUZ1VlWVBvMDBMNFkyNmhUV2JnQXlnU0d4dnBLaUNvcXJBeDM3VW56OEhkb3dUQUZLV2VHeHZrR0g2Q3BrcWJkRnVOMTZBNDRQRHZWY1lrYlZjUGVLdGUwd1gyN2FSSUV3MENkUXJENHlvUGZDZ2R2Q1B3dDA5WlBuemhUOFl6MmwybTNFOUpaNHRZaURqMjJR0gG6AUFVX3lxTE82LXRVVXFiQ0J6TGcxQXZDWVlnOE10Z2ZHbFlTaEhERHdfUHdraC1lVFQ0OWJ4VFdmNGZYd0JfMUJmVldGSlpwaGRpR1pYUk5WZk9CYTkxaGZnVmVESzdWZ3kwT0hlUUN5N0NNb21IMnBSZ21GS19oemk0Z2xudWZNRURQM2hJQTdpWkV0N0s4c1hqeFlBR2FWWWs1MmV0VWN1RTQ3VmJITGdyMXZsVHl4MFgwaldIa3lSdw?oc=5) · Valley News Live
- 2015-10-14 [Shopko coming to Mayville - Grand Forks Herald](https://news.google.com/rss/articles/CBMidkFVX3lxTE1DdlFSc1UzRGpXcGUwdWJYazhGVG5VMnRBRDYtd2xsMzhUOXo0bGR2aWd0ZUhwV21VaG4zWHBYTkpKd1E0a1FFS0RZQU5tVW9SM19WalF2TjA3QnI3WkQ3Q1UzR2R1bXhGeGpfazZ5MEFtWVh4bVE?oc=5) · Grand Forks Herald
- 2022-05-20 [Jill Stranger Obituary May 20, 2022 - Tollefson Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9UbHNqOFB5eXdDTkwwOGNSTHl1aXltZldjTkJZWHo5YTh1V3haYTNvOEptWlY4M2ZiMDJ3VVF0Slh6VFpvdllJX3JHazdyZEVjcEJGR1p1bGVsbEpkNENqZVdrZWdpdmc4MHN0aERR?oc=5) · Tollefson Funeral Home
- 2025-03-17 [Ronald Frederick Braseth Obituary (2025) - Mayville, ND - Baker Funeral Home - Mayville - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxPSHphSFJSd2VDdzk0Y2dfLWJZNkxtTnBPRjBXLXZuMkNXQkFwMEhIVVpQMUhHYnhMd1hLRjVURVpHdGtFT3UyNDFabngtQnlxTkJIM3NLb3ZfYUVhNnpIaTVmMzFfLVZOYzNWVDhsTHFMZFNzbTZsS3FTdlZLUWFFa1ZqUQ?oc=5) · Legacy obituary
- 2006-02-17 [Goose River adds Coleman, Leinen - InForum](https://news.google.com/rss/articles/CBMib0FVX3lxTE5iNmEzMmhwcXVKQzdSR0RwRjg1aFgwSENxY3NITmgzcW9LcXpweGpmZnFrN1A2Y3N2NUZFdXJuQTdQNEhfdk5wQVBFRzl3WU01OVlFRmRicUF3V3VwazlaUGpvUlYtWWZBWVA2a09LTQ?oc=5) · InForum
- 2013-05-19 [Lloyd Kempf Obituary (2013) - Bismarck, ND - The Bismarck Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmlBblZMU2JqTk90M1VPVndqbWhuZ3NzTm5hZVVWTXdHbldmT25IejlMNlNwak5FcHY2Tkd1ZTIyRmZOYkR2bEtUaG9WZHRLWjdYM1c3ZnFGRkY0SS1hRERKQ3FNWWg2WDhaVWFHRk5nUWM5alViZjNqWVpfbFB0cHJfMDNXMHQ5bVBLNC1mSUFyRFVm?oc=5) · Legacy obituary
- 2012-12-09 [ENGAGEMENT: Hanson-Basgaard - Grand Forks Herald](https://news.google.com/rss/articles/CBMia0FVX3lxTE54YVlQU0hkT0R3eFEwQjJQcl9kS1N2RS1XcXNXeGNJZzJhSUZEcVJ5SC0yUmJqTEJiTmU4MDRVUnFjU3NKWXV5U0poRlNNVWtpZmZ6eTFzMjNiYXdvQTZXRkJMenJBeXlCSk9j?oc=5) · Grand Forks Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10236 (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/60.json (key "10236", 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