# RANDALL STATE BANK
RANDALL, MN · FDIC certificate 10969 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $76.4M | |
| Deposits | $63.2M | |
| Loans and leases | $61.7M | |
| Total equity | $13.0M | |
| Loans / deposits | 96.58% (p88 of band) | 73.59% |
| Liquid assets / assets | 10.94% (p5 of band) | |
| Uninsured deposits / deposits | 15.37% (p33 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.73% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | -0.11% (p89 of band) | -6.57% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 1.50% (p68 of band) | 1.17% |
| Net interest margin | 6.04% (p98 of band) | 3.93% |
| Efficiency ratio | 62.37% (p41 of band) | |
| Noncurrent loans | 2.30% (p88 of band) | 0.36% |
| Net charge-offs (annualized) | 0.63% (p98 of band) | |
| Reserve coverage of noncurrent | 45.29% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 60.00% (p84 of band) | |
| Auto loans | $1.1M (1.72% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.7% | |
| Employees | 15 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 3 | noncurrent p90 |  |
| 2018-12 | 3 | charge-offs p90 | capital falling |
| 2019-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 1 | uninsured deposits leaving | capital falling |
| 2022-09 | 0 |  | uninsured deposits leaving |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 0 |  | uninsured deposits leaving |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | reserve under noncurrent |  |
| 2023-12 | 2 | noncurrent p90 |  |
| 2024-03 | 1 |  | noncurrent p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | reserve under noncurrent |
| 2024-12 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2025-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 | NIM <2.5% | noncurrent p90 |
| 2025-12 | 3 | noncurrent p90 |  |
| 2026-03 | 2 |  | NIM <2.5% |
| 2026-06 | 2 | charge-offs p90 | noncurrent p90 |

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

- 2025-10-15 [BankIn Minnesota taps Randall State Bank CEO Rich Jones as new leader - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcVFiMEMyZ0RBc2wwTlR5WkNJbGdZbnVBb3FBdm4wTWdmcjdFZXV6YmR0OUk4Nlg5N1JDYXhjdzVzVFo0dDdhY1JrMFotdEVHZkh5LVJvdkw5RVc0c3dsZ0tXQWFuaENJV1BNRE41c1djMWxiQ1NLdWFtOXVmZVVrbjc1MFBVb01WTHdxeEtPMFFPVnRsVWlJemtxNjk3b3M3cmdIcDZ2a3laZEJr?oc=5) · The Business Journals
- 2019-05-22 [Area Golf News: Randall State Bank lands top spot at Cragun's - Brainerd Dispatch](https://news.google.com/rss/articles/CBMioAFBVV95cUxNckRFLWN2RGEwY1EwRzVTRW1EeU5MUWNzdHphcWtnRFU4SzFzOHdkcEVCelNUSzBMZXBPejBjSHowamNNclNjY2p1bVNVMTl1VzVIYlBVRDhFcXI1aU9ubEdGenBINWh1LUM4ZTJsa196V3lfNUx4RjE0YnJ6NWlWSFR4ZE1pRlVLUHJBQ0xRTmx2WFY2ZjY0QndEOFVpdVpO?oc=5) · Brainerd Dispatch
- 2024-08-30 [Sale of Minnesota electrical business crumbles into tangled tale of alleged deceit - startribune.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOVFpKT0MwTzRQVGp4aGxRdVA2UEZEQWdjTmctdUxRME1MWjY5aDNVbXRoMzFWUEJKZzh2UG5WMVJQTHBvRUJkbmxWc3pTcnBVQmRXMk51N3E2Nm5EUVBfb0RreURXVHVITkdvUGpycUVzQ0RCWHp5SHktYmg4NkkxdVowTHVZeGt6RVpsZXNhSk83ZU8tSlVUYXRUOGpEUk5NM1ZPdEllWTdFc1cxbnpuTEtJbFRMelhwV3V2ag?oc=5) · startribune.com
- 2022-02-04 [Elizabeth Weidenbach Obituary Feb 4, 2022 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMidkFVX3lxTE9HTjNtRUY5b1BJZUZHVDRlOFhKT0pYdFlNN0JqUFlQX3JWOVdUR0VVWDJ0ZjBDVjl0djVsV0tmcGl5TWxGRWcwVmtSTmZfRVUzQm5sbUJqSWttYlJiNnhSVkxGSUVIRi1ydzFWOVlqaU9qWGJiQ0E?oc=5) · Emblom Brenny Funeral Service
- 2026-07-04 [Swanville Mid-Summer Carnival set for July 10-12 - hometownsource.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNaWdnWEwwR0RMSWpYRjVUMm11WlFaakpjNnFFSGh3LVdvemRrQWZxQTZtX1JjMnFxS0N6Q093UUJFR2xHeU5KVjFhVmt3THNhT2UyRVVDajBncjk4djZqcjNuN3RGY2oyaVFjZG02TTVIVXFfREtCTFN2eGRLR3Rta0NJakFFalp0b1VUb0ZmY3lCV1ZyOUVQNWc1ZFdERHNIM2Z6dTlMd0g2OEZ5SEhxNExWOVVWUGdndzhVT2Z6aUJ2N3JmRW5OWkhkMlNSV0dZMzZkeFJZdVF1MTdrZnc5UEVLMldTYV9DcURpRGhxbENTRVht?oc=5) · hometownsource.com
- 2020-07-03 [BLACF’S response fund gets boost from financial institutions - Brainerd Dispatch](https://news.google.com/rss/articles/CBMingFBVV95cUxNWlZ6dVFaR3ZrWjI4RUFCOWZTdTg1NzRycGl5UEFTaWZCaWFaVThnYV9wMl9kdjh1WlBTdHBZUHFrb2J1RDFOeXhYNExVZGR1R3hFUllzcFVtOFFENU9jRnEzWlhnWjVpeWppeXByeGdsTVJIUDllWnFtRHBfOUM2UUY3aWs5aTNiWFI0enJ5TklzVDF6dHU2dzROd3Jpdw?oc=5) · Brainerd Dispatch
- 2019-06-18 [Area Golf News: Von Hanson's takes 1st half top honors - Brainerd Dispatch](https://news.google.com/rss/articles/CBMilwFBVV95cUxNWXB0N2I4dHVxdVY5bFlFWGRxN3FQLU5Ncm9iV0piczZ1MUxRbkhHNGpVeTQ5YldnUWdudlUtUGI3MHRtWWhnTFJxNW13TkpoZDFvUklNWS1sUmprMnc2cEZ3ZXYweXpNbWZ1d1NzUVhtbzdNT3hnMno3ZUhXQS05cksyekdqREpzakJSdnpkYXNkcFlUNHpV?oc=5) · Brainerd Dispatch
- 2016-07-26 [Area Golf News: Reichert still in drivers seat - Brainerd Dispatch](https://news.google.com/rss/articles/CBMijgFBVV95cUxPbmczekNTd253NU55NmluMnp6RklzR1JOMmFxMnJSMFFIdGFreE9kaGp5b2JfcTBTUjktRE5sY1lZMTFiOTQxZllZUGhlNjhDbEFFa29CSG9XLUtqUmFwaHk4UmFMSDVSbkhPWTM2bUM2ZldIQ0haamJtdXp4Q2xFZ3ROU1IzTzFYY1ZZak9n?oc=5) · Brainerd Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10969 (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/25.json (key "10969", 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