# STATE BANK OF NEW PRAGUE
NEW PRAGUE, MN · FDIC certificate 12921 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $111.5M | |
| Deposits | $95.5M | |
| Loans and leases | $40.1M | |
| Total equity | $14.5M | |
| Loans / deposits | 41.18% (p10 of band) | 76.19% |
| Liquid assets / assets | 57.95% (p88 of band) | |
| Uninsured deposits / deposits | 19.61% (p69 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.66% (p59 of band) | 11.02% |
| Unrealized securities loss / equity | 9.87% (p99 of band) | 0.02% |
| AOCI / equity | 2.04% (p73 of band) | |
| ROA (annualized) | 1.56% (p85 of band) | 0.90% |
| Net interest margin | 3.44% (p34 of band) | 3.71% |
| Efficiency ratio | 62.86% (p30 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 1.73% (p19 of band) | |
| Auto loans | $700,000 (1.75% of loans; DQ 2.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 3 | assets shrinking |  |
| 2013-03 | 3 | charge-offs p90, deposits shrinking | reserve under noncurrent, noncurrent p90 |
| 2013-06 | 1 |  | charge-offs p90, deposits shrinking |
| 2013-09 | 1 | capital falling | assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |

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

- 2019-06-20 [First Bank & Trust to buy Minnesota banks - SiouxFalls.Business](https://news.google.com/rss/articles/CBMid0FVX3lxTE5fWnV4QnZNa1BIWl8yRElhZ1p1SlFNOE40cEFzbHljN0N4V1VkSTN2OEtyYmZUMkxRNTFHeG1ISHRkTnYySjlKVlJsN1FseENVNzhkS3J5OHJjeWdGQUlnZmNqRlZOTUFEa2M3TkgtQXpjM2xDaWRj?oc=5) · SiouxFalls.Business
- 2017-08-03 [First Bank & Trust expands into Minnesota with planned acquisition of Duke Financial Group - Argus Leader](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOdDNQZFJmRHduMUdMTVNXTjZCSW9XOUlWMndteWZVSy04OEhNUURuMFZ0VUJ6bUdFcE5LUlJCQ0c3UW5QX2RrUFJqaERqdEdnTlZFamZZM3VKVW92ZUt1azlVN2lJeUhDRVR6NnVnaGdZSTkwZm00RnFUd2puNGFmeFBsbjMzMVdSTmVtelJrb2ozejZFRWxIdDlmekkteWo5OC0wV2NnRWFwNXhiRjZ1cTUxSURua2xxTTNnNnNhZDQtNXVVaGlUUHA4a2tILVAtVkRndVZjOFFFMkZCNTNlby1JR1A?oc=5) · Argus Leader
- 2019-04-04 [Peoples Bank of Commerce to merge with First Bank and Trust - hometownsource.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxQbTRGU00tSmxoMW5IeEFEYjVoWEpxWkZ6Y2E0UlJyblNsUDQ2c0RvNFJCN2dxQVhQRXhFdUhISHlwVmhzcE15RXhKRmJOdTlaRW4tbHJlQjRQSnUwMXo0UER4RWlScV9xMWNkUDEzVUJCeEJNMGczbTFPeER3RnVhZ2NfeFNVZTFZSUJfd3ZJV2M5RWtHaENHZkZXeUxtblVSd3FFUlRKVHdaWXhza3M0bnNiN3VtYndSeVNXVmR4NmhPRnJLQnVJNUxyNWhJLVJXUktOZDRWX2RrVHA1QzI3SGdOa3o4aWdSTHc3UW41TjhBN1VYMWdqUGlBVV9pRkZhVHlR?oc=5) · hometownsource.com
- 2016-01-07 [New Prague woman retires after 75 years working at same bank - Star Tribune](https://news.google.com/rss/articles/CBMinwFBVV95cUxOT2dLZnUtYUdMbU9nNjdrTHBHZ1d6amd6OF9sdWdET3RvRmlja1o2SXZ2T3dqQ3lud0NyMVVydmI5Vmk2Q0t5OG92MjZyS2ZQdzZ0MmhyZERSbmViX1Vxc1R3WklkaHF1cVpKRzVBdVBVdWZhZ1NsNnBNcU02cFgwaHpEeGxYY29WWTJ0OUsxem9OR2gwdl9rcGhBdXVsT0E?oc=5) · Star Tribune
- 2021-02-08 [Bell Bank promotes three in treasury management - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMiigFBVV95cUxPQWR1bTduSXpWaV9GNkJ2cTZOWENybHNKMlljREFuS09FYVFWaXVGWExEbE1rNUNlNTFPTHJ6U3RxRHc4VmJPT1g1TkhRY1o0WF92bnRaRjlpVVZ0Ni1pWFZfNlEzczE0RkpjMGp3TUpxd3dlVDFwTG0waTlPLURBTFFDRDVjUk5JckE?oc=5) · Detroit Lakes Tribune
- 2019-04-18 [Willard Anthony “Bink” Bender - The Monroe Times](https://news.google.com/rss/articles/CBMihgFBVV95cUxOR1JvNjNEb3JELUNPcFRIdUdpSGxneENnXzBtZHlsVEgwRjJOOHRwMUc0dXlFZVJfcUpyUGdrX0piaUJDS2FYYkNCOUdpbW1VZ1pMSUZHQlZSclZSSDkzaGxPN21fMDFKUVhfRHB0SmhpdDhXM2FMLVFSQ0V3YnAzMmFVaEdUdw?oc=5) · The Monroe Times
- 2025-02-19 [Lorraine Link Obituary (2025) - Shakopee, MN - McNearney - Schmidt Funeral and Cremation - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOcnowZm1JMVVyaEQtYXpKR0MtZ3k4Smd1MFJiSU1tam1KX1VFMURUS2h5OFQ1bTlxZnVIbktqdmZ0LVFocEppODBUWnBVckVMWDRDNjNmVVl5QjRhc1N2T3BOMHB2a04xUWFqV1hzUkwwMzhZSDZDLWNmY2NaVm5qV0dR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12921 (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/57.json (key "12921", 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