# BANK OF ZUMBROTA
ZUMBROTA, MN · FDIC certificate 13654 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $201.8M | |
| Deposits | $163.0M | |
| Loans and leases | $112.4M | |
| Total equity | $28.9M | |
| Loans / deposits | 68.81% (p59 of band) | 63.45% |
| Liquid assets / assets | 34.58% (p39 of band) | |
| Uninsured deposits / deposits | 20.19% (p49 of band) | 20.44% |
| Brokered deposits | 0.52% | |
| Wholesale funding | 4.90% (p76 of band) | |
| FHLB advances / assets | 4.38% | |
| Tier 1 leverage | 9.97% (p38 of band) | 10.74% |
| Unrealized securities loss / equity | -11.39% (p70 of band) | -26.93% |
| AOCI / equity | -11.30% (p61 of band) | |
| ROA (annualized) | 1.05% (p63 of band) | 0.89% |
| Net interest margin | 3.10% (p43 of band) | 3.22% |
| Efficiency ratio | 58.48% (p21 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 62% | |
| Construction % of loans | 15.35% (p43 of band) | |
| Auto loans | $2.1M (1.90% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 30 | |

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2022-03 | 1 |  | NIM <2.5% |
| 2022-06 | 0 |  | reserve under noncurrent |
| 2022-09 | 0 |  |  |

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

- 2021-09-30 [Frandsen Financial Corporation To Acquire Bank of Zumbrota and Pine Island Bank - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRDVqd3VIZUlpamFKbVRnaFY5a2RGVnE4MUZ3ZXFqelFxUXd5SlpFV3pLaS1xYktTNHVJaTRpMXA0cU5xS2MyTW5uMjFVU1Qxa0JaM2pQTTZOY1RsQWkwcDFvcHhhMG9DQlpMLXdIcXpUbTdkWllsU05vNTcyTVY1OVhkdkRzYzh4QlB3LWpGRy1SUQ?oc=5) · The Business Journals
- 2026-04-28 [Zumbrota time capsule brought memories from 65 years ago - Post Bulletin](https://news.google.com/rss/articles/CBMinAFBVV95cUxOT1M2OUEydXJvQzJxQUJodFJOa19IWGF3R0M0YWU0cjhPRTlwanFWaWhqUWVXa3ZwdnU0MlMxdEtZMUNYQ3BuQzNwOEFWUEp1WEF3eGo0eU1XcWVqLUlVbGlMM0JaUHBVWmtLSkg4YzFGWnBLTjNWb2swRjBraXdIWWpHSkdIT3JLeGZqUTlRYzg3M0doNVE4emFxY3E?oc=5) · Post Bulletin
- 2024-06-22 [Christopher `Chris` Zamenski Obituary Jan 18, 2007 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5zaVVNX1dQMUhhOEtFNGdxci13enVvbUItVndrdHZfaFpGdnI2cmF5WXA5U01maXN4TzlaSkhSWVUxZ2RZclpURFFrMlBxSmg5aFF3UUZaZTIwQWtVZEd4SmhHakRrYjFKNUZIWF91OTVlQXB4U205Sg?oc=5) · mahnfamilyfuneralhome.com
- 2018-11-08 [Carol Theresa Zwart Obituary Nov 8, 2018 - Macken Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5VcGVsckJaWlVPQnZYbEtGaGZDbWxhTDNCQzJFdkY4ZnBncXJKSU9SelVmWWQxYndUNE9TQU1FOFF2MTRPdms0cTVnMTBLd3FnYUt0MVh2dUljbWtfSk5Nd2h6RElVQ0E?oc=5) · Macken Funeral Home &amp; Cremation Services
- 2008-09-27 [Jamie O'Reilly Obituary Sep 27, 2008 - Lundberg Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1MWjJHeERYTmR2MFRheUp1TXlIc0M4NThSQ2pUWFhCWG42NU1nSk56eUt1WWlpR09mMTZSTGNJZ3Z3TjJNVFFmU0lTNDhHQlRmcmRCd0gxV2pCYWZmZTJvc3JKa01hMmM?oc=5) · Lundberg Funeral Home
- 2020-02-27 [John A. Perra Obituary Feb 27, 2020 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9aN25qZ01aQkFEX0g3Y0UwUXBPYzJuNzExajUtMFhmSElMTG9oYkpyT3ZwWFlfTzVFQ1FuR3ZncHpPOVQxX1VtWDNiYWxKekN0WWY4YlhvaVVCeXV1R21hZGJjMUhOdFYzX3VJ?oc=5) · mahnfamilyfuneralhome.com
- 2008-10-29 [LaVaughn Stockman Obituary (2008) - Zumbrota, MN - Johnson-McBride Funeral Chapel - Glencoe - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQWWtvMHVjOGpPVkxoY2R0MlNYZEJNU3hXOGloVkVRX05NSXNZNXVSY3hudGhwNWNfNTRXd1FVU1ZwTm03cDJrWmFSNlR1YU9SN0Yya2dPR0o1Y0lMMTI4ekRSRU11S2pGLTBJUUZ2ajBuSTQzRjFDMWZ5M3lqcm1RaUNvX0dCS3c?oc=5) · legacy.com
- 2025-06-28 [Ethel Florence Jaspers Obituary Jun 28, 2025 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE01aklpMEx2andIaU5mai1ZUWtQRmJ5aTBjSUVsTTVnR1pZVzBDQkU5OUFkT29OamRMamdnODhxaGR4d29ZVUtVclhvblF0Z1Fydk1DOXBOOXFmdndXTGtsTEJFMldEWEhtTjlxQTZMUQ?oc=5) · mahnfamilyfuneralhome.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13654 (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/22.json (key "13654", 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