# BREMER BANK NATIONAL ASSN
SAINT PAUL, MN · FDIC certificate 12923 · asset band $10-100B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $16.41B | |
| Deposits | $13.32B | |
| Loans and leases | $11.78B | |
| Total equity | $1.36B | |
| Loans / deposits | 87.61% (p68 of band) | 83.21% |
| Liquid assets / assets | 24.28% (p53 of band) | |
| Uninsured deposits / deposits | 38.27% (p53 of band) | 37.96% |
| Brokered deposits | 7.82% | |
| Wholesale funding | 16.79% (p80 of band) | |
| FHLB advances / assets | 8.04% | |
| Tier 1 leverage | 9.46% (p34 of band) | 10.04% |
| Unrealized securities loss / equity | -39.03% (p7 of band) | -10.95% |
| AOCI / equity | 1.61% (p75 of band) | |
| ROA (annualized) | 0.85% (p42 of band) | 1.01% |
| Net interest margin | 2.95% (p31 of band) | 3.24% |
| Efficiency ratio | 65.54% (p82 of band) | |
| Noncurrent loans | 0.83% (p69 of band) | 0.62% |
| Net charge-offs (annualized) | 0.36% (p89 of band) | |
| Reserve coverage of noncurrent | 109.91% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 52.06% (p69 of band) | |
| Auto loans | $7.9M (0.07% of loans; DQ 0.69%, NCO 0.00%) | |
| Loans to nondepository financials | $165.4M (12% of equity) (p64 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 1413 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 1 | assets shrinking | capital falling |
| 2012-06 | 1 | uninsured deposits leaving | assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 0 |  | wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | brokered >10% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | brokered >10% |  |
| 2019-03 | 2 | wholesale funding >15% |  |
| 2019-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 2 | deposits shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 2 | wholesale funding >15% |  |
| 2025-03 | 2 |  |  |

## 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=12923 (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/59.json (key "12923", 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