# BREMER BANK NATIONAL ASSN
BRAINERD, MN · FDIC certificate 12917 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $364.7M | |
| Deposits | $245.8M | |
| Loans and leases | $276.2M | |
| Total equity | $37.6M | |
| Loans / deposits | 110.36% (p97 of band) | 80.43% |
| Liquid assets / assets | 21.46% (p34 of band) | |
| Uninsured deposits / deposits | 24.09% (p69 of band) | 18.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 21.88% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.62% (p39 of band) | 10.05% |
| Unrealized securities loss / equity | 7.68% (p97 of band) | 0.40% |
| AOCI / equity | 2.00% (p63 of band) | |
| ROA (annualized) | 1.36% (p80 of band) | 0.88% |
| Net interest margin | 3.99% (p73 of band) | 3.62% |
| Efficiency ratio | 58.74% (p22 of band) | |
| Noncurrent loans | 0.84% (p44 of band) | 0.96% |
| Net charge-offs (annualized) | -0.04% (p7 of band) | |
| Reserve coverage of noncurrent | 216.55% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 46.85% (p64 of band) | |
| Auto loans | $4.7M (1.69% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 | reserve under noncurrent | wholesale funding >15%, uninsured deposits leaving, capital falling |
| 2013-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2014-06 | 3 | loans exceed deposits, deposits shrinking |  |
| 2014-09 | 3 |  |  |

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

- 2025-04-08 [Best Banks and Credit Unions in Minnesota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONEVZdDF6MnpjeWpqd2NiNGdSU2U1LUxhZzRhU01NU19hUDBybnZackI0empPNGxIRlktTkNBVTJQajliR083MDRmMVhueWxCUDVka3ZTMHNSRHl0M2hCS1NtWmFhamk4VW5pM1pDbUFDcmVkcmJLNU8yNXU3cmZGamV5dVA2bHc3ekEyVnlGRXE?oc=5) · Newsweek Rankings
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in North Dakota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYXUzUzZzRE44MnVPT2FhSHFXc1B3bE1XTGt6dnBxSGx0ckloTUlfWUxsX2pnZzIwQkRhNkkyT040NjZfZ2FWYU9lcU5wZ29jUXB1R1JFeWJPNTlJUVk1LUY2bVJsY0l0dnEzYnA4R2YwNTRTU0pXc1hNMTJpamE0bi15d3NWSy1ZMlRTLUZnY0lDM29I?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12917 (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/53.json (key "12917", 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