# PLAZA PARK STATE BANK
WAITE PARK, MN · FDIC certificate 12186 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $209.9M | |
| Deposits | $186.0M | |
| Loans and leases | $146.0M | |
| Total equity | $21.2M | |
| Loans / deposits | 77.48% (p55 of band) | 75.02% |
| Liquid assets / assets | 26.63% (p40 of band) | |
| Uninsured deposits / deposits | 10.78% (p30 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.35% (p39 of band) | 11.04% |
| Unrealized securities loss / equity | -0.11% (p83 of band) | -2.21% |
| AOCI / equity | -0.08% (p81 of band) | |
| ROA (annualized) | 2.04% (p93 of band) | 0.95% |
| Net interest margin | 3.76% (p52 of band) | 3.73% |
| Efficiency ratio | 57.11% (p17 of band) | |
| Noncurrent loans | 1.21% (p70 of band) | 0.60% |
| Net charge-offs (annualized) | -0.16% (p3 of band) | |
| Reserve coverage of noncurrent | 107.34% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 39.41% (p73 of band) | |
| Auto loans | $1.7M (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent, capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |

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

- 2017-11-10 [A century of family-owned banking at Plaza Park State Bank - St. Cloud Times](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNMm9faV8zU3BMUVQzc3ZBV0x6aEM0YU9YNHR2YVRFQmFKeHN1MnkzYVgwTkN6TkFkdVRKZjhGYzgyRVJzbk91cWFPUEpvekFfT19CQmlDSkZINE5uaVRZOUVWV0hTcGhCdnJFek9KM2hmUnBoNGRxQWMxZnFxSjktTFhZcDFPTWg1Z1cyZTlFeEE0SXFDV3lQREx6TGcybjJrdmMwX2FOcjVwM2VaRnpjbWdWaFRzcXBWOE9Ud3padV9wUjUtdGFFX29xUjZCWmVlZG1zOQ?oc=5) · St. Cloud Times
- 2026-05-18 [Biz Buzz: Deerwood Bank's 'nice and simple' model fuels rapid growth across Minnesota - St. Cloud Live](https://news.google.com/rss/articles/CBMiugFBVV95cUxPTk15SlNXcEZJN0g4a0pJY2pqNmtlaVBnTU12STV2cVEwbXBQN0N0eVpDbHRkTV9WOWNzMGZLNTRHTXVNWFFoQ2RkaDh4WFpQeGhCSjJTaXkyZzVjaVFaYnZXcERRcnMyZGZlZVh3TGNELTBUR2ZOelh1RjhNQmpBOGpaU1ZmV0xPRWlFNjFIM1lzZlBha1AxZGxzQTJQTVhiTEQ4cVp4S1BoX0RsYjFiZWszSlNhOEdIc0E?oc=5) · St. Cloud Live
- 2017-11-09 [Plaza Park Bank sold to small Minnesota bank chain - St. Cloud Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZnhIUzA2M0JDV1RVcUZqR0VMNDJTcjFkQmlSOVhxdjEzRDdIdDduOEhTUnp4UnMzZGNKV3VqMU5oQkFONjh0RVZkSXAwNE9LMktIY2I4NU9ROUc2dXpTVXQ4V2IzWmpON19ISHFKcU8tRnFFTUQ4LWVKeUQwQktKa0dQRl92cmZJRzZJZGpKdy1ZTi1Oa0JNVC0tRGlDZ1o1YTAyMlJWUVVKWHRnZ25J?oc=5) · St. Cloud Times
- 2025-01-29 [Ruth Heisick Obituary (1942 - 2025) - Bowlus, MN - Morrison County Record - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNN0E5VU1hRWg0SWNPRU1GY0NLVnRJeXJIWWg3WDZQd1VtUTdiYkZ2UnozNTdFcHBxeHFOQTBjQ1N5SVhiZ0hUWTJWcTZRNFZSNmNXSkhtaC0xSHk5cXFYbEhhS05jZjVRbEJYcW44cjlPTUhpNTB0WThETnQ5TlV4WXQ3QkFPTWpieEJBb293M2lZWW5HQjkxN1dfT1ZISVE?oc=5) · legacy.com
- 2017-11-10 [Rockville bank building where Plaza Park started is a 'gem' - St. Cloud Times](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcWphS0FuRmRCZzg4OFI3RDlJaXNrTkZYMFlhTXNRc1oyU09KblhRWlBYc255SGpUSFNUN3JMYlJEbkl4TFNHbUlzVHlDU0ViMVR2ekNZTHIwc1ZET3M3c2lZcGNxSmxGNkxZNlN2cDcwaEhSUW1VWDlmamNMVmRSVVlNemJKTUNwMzNjV05HNUdkbl9kM05wOS1aUXJjams1QWEybXhVejFLdTgxWlROZzBILWQwQQ?oc=5) · St. Cloud Times
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-03-12 [Rose Theisen Obituary (2024) - Cold Spring, MN - Wenner Funeral Home - Cold Spring - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdmI1SlFpUXI0N1NFNU1xU3duanZSY21VeGcxbnNvcUxMMy1hRzcwWUFabXRDOE1QUWtQNmlzbDdPVWxLOUwyem44N0lKZjRKYWw2Rm91OTNXVFZEVmw5U2lmNlI5ZlVsX1BoNVFYWjhqQVpMY1Bra2RSNGY3LWQ1cw?oc=5) · legacy.com
- 2017-10-02 [St. Cloud church, city settle lawsuit over tiny house - St. Cloud Times](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOUTdTd0stTWltbDUxZHV5TWRGZ3ZmWkY1TkNsSWdXSGVmZEthT2NjalhMSGh0VmZzNVJTS25SaFlfbGNJN2J1UUZPUzdIUTlWZlNBcE9qN2ZXSXVHTHRDcmZFMDA5SzZzUG8zRl9FOUdRQmFMZTJsYnR5b1Y5Y2M0Yy1MOXYtOElwaTV0UHRrSklhc2pBWmpFT05aXzJJOE9BWXBuUGxIR1hVVXJvMUxtN3hJZFJqc3VzYW5seHNRRlFjbWhBdnJ2M1AtR3RsT1Z0VTQwRll4U3FmbVpvODNXYWVPaVMxSm1YQWVDUWUyZnFIRnl2anc?oc=5) · St. Cloud Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12186 (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/26.json (key "12186", 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