# ROOT RIVER STATE BANK CHATFIELD, MN · FDIC certificate 1098 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *run candidate*. 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 | $86.8M | | | Deposits | $80.4M | | | Loans and leases | $28.3M | | | Total equity | $6.2M | | | Loans / deposits | 34.83% (p9 of band) | 73.59% | | Liquid assets / assets | 62.32% (p89 of band) | | | Uninsured deposits / deposits | 18.00% (p43 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 9.73% (p20 of band) | 11.76% | | Unrealized securities loss / equity | -60.13% (p4 of band) | -6.57% | | AOCI / equity | -2.78% (p7 of band) | | | ROA (annualized) | 0.14% (p8 of band) | 1.17% | | Net interest margin | 2.21% (p3 of band) | 3.93% | | Efficiency ratio | 94.42% (p93 of band) | | | Noncurrent loans | 0.00% (p12 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p38 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | 69% | | | Construction % of loans | 4.06% (p27 of band) | | | Auto loans | $51,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 4.6% | | | Employees | 8 | | ## Flags firing in the latest filing - **securities losses >30% of equity** (`cap_secloss`) - **expense ratio p90** (`earn_efficiency`) - **NIM <2.5%** (`earn_nim`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 1 | reserve under noncurrent | | | 2011-09 | 1 | capital falling | reserve under noncurrent | | 2011-12 | 1 | | | | 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling | | 2012-06 | 1 | | uninsured deposits leaving | | 2012-09 | 1 | capital falling | reserve under noncurrent | | 2012-12 | 2 | reserve under noncurrent | | | 2013-03 | 2 | | | | 2013-06 | 0 | | capital falling, reserve under noncurrent | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 1 | capital falling | | | 2018-12 | 0 | | capital falling | | 2019-03 | 0 | | | | 2019-06 | 0 | | | | 2019-09 | 1 | capital falling | | | 2019-12 | 1 | | | | 2020-03 | 2 | uninsured deposits leaving | | | 2020-06 | 1 | | uninsured deposits leaving | | 2020-09 | 1 | | | | 2020-12 | 1 | | | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 0 | | capital falling | | 2021-12 | 1 | NIM <2.5% | | | 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 | | | 2022-06 | 4 | | expense ratio p90 | | 2022-09 | 3 | | capital falling | | 2022-12 | 3 | | | | 2023-03 | 1 | | NIM <2.5%, AOCI drag >20% of equity | | 2023-06 | 3 | capital falling, NIM <2.5% | | | 2023-09 | 2 | | capital falling | | 2023-12 | 2 | | | | 2024-03 | 3 | expense ratio p90 | | | 2024-06 | 3 | | | | 2024-09 | 5 | deposits shrinking, uninsured deposits leaving | | | 2024-12 | 4 | | deposits shrinking | | 2025-03 | 4 | | | | 2025-06 | 5 | capital falling | | | 2025-09 | 4 | | capital falling | | 2025-12 | 3 | | uninsured deposits leaving | | 2026-03 | 4 | capital falling | | | 2026-06 | 3 | | capital falling | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-03-09 [First National Bank to Acquire First State Bank of Fountain and Root River State Bank - Fillmore County Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxPWEJfbFhOemgyV1FNU25XUk9VbDNVWEM2WkN0Z016c1lXLU1kN1kxVTJiUkVWUXR1UW5IRk1rWmJLa29aOG9FeWdoZUloNlNJNEh0UEUzX2pDS19CaEM0Vzd1VFVXbWxfbWh0N2ZNWFVjVjV3RjlucDNJR0w3RGJmZXowem1URE03YU5WNVBYSTZwYXltNnhOeUhUNDZoeWo3Ml9JU1lqcy1NQ0o3Sk45QmRNdTI1WW1TY0RrRw?oc=5) · Fillmore County Journal - 2016-11-21 [Family-owned bank celebrates 160 years in business - Fillmore County Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxPczZQSXg2YWVnS2Y4Qkc0b2xJbVN6YnBlUTJHUW9Oa2l4QTZKLXMtc2xRa1NfRnowV1JleFNDaFFGeWpxbjVpdXBnYXdOZllfTmJXT1lyRUQ3UHYtQVFRMkc5M050ZlU2a2hCQ2xnak9Cc1psQnh6MEV2aERELV9CcEpuSm5mLWY3ZVZ0ajF3?oc=5) · Fillmore County Journal - 2022-04-15 [Patricia Genevieve Johnson Obituary Apr 15, 2022 - Macken Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMibkFVX3lxTE5fTVNaQ3hlbm14VDRpNVZURVRoRVdzUmZ0dW5sRWpDbjBBY1hUb2hpejZnc0JVXzN6YjhrNDNmLUdWXzJsOUlPNU1BTDZvMXFzbUo4OW5qakpJWHprdWlEZjN2b1RIdXh5Vmg5ekp3?oc=5) · Macken Funeral Home & Cremation Services - 2024-06-21 [Charlotte Ryan Obituary Jun 21, 2024 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9ua0JzaWNHdmNtdDNvVzltWDF1eVR4Mjg4THVfNTNGaDJXN0hOZGV6c21oVHVkcGNDVnE4dXJybUJ5QjZ1cGluczlLbkxSb2dRSzhicTMydWtFLVhOanVWLUpBMA?oc=5) · Hoff Funeral & Cremation Service - 2024-10-15 [Obituary for Verna M. Thieke - Griffin-Gray Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBjejB2VS00dFcxTTEtVVZ3bENyQkJ1T1dHV1dFV3N6bGppNjREZWtjaU1uMXZDdVQtbkY1T1k2SkI2aFVOUF9xZUJTY29tbS1pRE1RWjViM1ZFd1E2bkswQllB?oc=5) · Griffin-Gray Funeral Home - 2026-03-02 [Arleen Amundson Obituary (2026) - Chatfield, MN - Riley Funeral Home - Chatfield - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVDZCSnZ4R3RkNzNTNDdHNGZ4R3drSjQzUkVRZ3p6WVJaNmpNVlZLdWM4ckJMcVFtTW9Hc0VIQi1TVUZ2T0dLRUNKeTFJQUVlS2FnbjV1cDNJMnVuaXlGam0xOWlraTUwSERfamw1UzZhc01UbnVvZGZBeWdXbU4yd04xalA?oc=5) · legacy.com - 2025-01-26 [Madge Alta Danielson Obituary Jan 26, 2025 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTFB4OHlXWm1WODJBMXBVMEJiT1lncWhOVGRkdFc3SFh6R08tM0Z5bkxvZkN2VnVKWUJhcFlvbFdnTGVCaFRYcDlLQ1V5aXJrYlNLbmVfREFyd3dEM2lQOVpfeWQzY0M?oc=5) · Hoff Funeral & Cremation Service - 2008-10-08 [Gerald C. ‘Jerry’ Danielson — Chatfield - Post Bulletin](https://news.google.com/rss/articles/CBMid0FVX3lxTFBIUlV6VFA0ZzNTTXdaMW55ZTRRSW9tejlveFAwNlNhYkppMWl1TlZzZEtxdlZXYWZ5cmFWdU9meUxKb0NVYXp5cjZoMTUyUlNMY3B1U2w3VmNQVzhwZkt0QV9Da0d6R1F2aGtWY1lMVVdzcEEzNHNR?oc=5) · Post Bulletin ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=1098 (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/10.json (key "1098", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide