# STATE BANK OF BELLE PLAINE
BELLE PLAINE, MN · FDIC certificate 1383 · asset band <$300M · latest filing 2020-03 · 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 | $124.1M | |
| Deposits | $105.2M | |
| Loans and leases | $52.7M | |
| Total equity | $18.7M | |
| Loans / deposits | 50.05% (p16 of band) | 75.62% |
| Liquid assets / assets | 50.22% (p81 of band) | |
| Uninsured deposits / deposits | 19.76% (p64 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.69% (p39 of band) | 11.43% |
| Unrealized securities loss / equity | 3.99% (p87 of band) | 0.53% |
| AOCI / equity | 4.12% (p97 of band) | |
| ROA (annualized) | 1.34% (p74 of band) | 0.92% |
| Net interest margin | 3.29% (p29 of band) | 3.67% |
| Efficiency ratio | 52.35% (p9 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 31.00% (p67 of band) | |
| Auto loans | $1.0M (1.97% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 3 | capital falling, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | capital falling, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | capital falling, charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, NIM <2.5% |  |
| 2020-03 | 0 |  | capital falling, NIM <2.5% |

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

- 2020-06-26 [Gloria J. Graham Obituary Jun 26, 2020 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE1FRGd1bVhsUFF0Wm52WlZZN2pCNUhMbl92RU1mTTBaZXR5ZzZ4NzRVMGxtZTFhLWNXbHlSLUMwdHZrN2YtTWlZSmpwT21LSmhESGYzTVNva2M0NkZKaEJNNllvTnNNWkFnRkE?oc=5) · Kolden Funeral Services
- 2023-11-10 [Back Roads: The famous two-story five holer - TheLandOnline](https://news.google.com/rss/articles/CBMixgFBVV95cUxNbUVqODdkLWlta3ZnOFVKYnFtc2ZDQzlkQkxPQ2ZKX0Rwb2tzdkRjUWZMRUVRMHBUNFUydnBfalBoWFdZZnNHZmZMdVF2WG56TXFicU1lVmpJVkhvWE0wWjVsUTJ4ZWs1am1TejF2TTMyNElqcklTQU5OUjlYTHZkd1RxdjRDRnM3emJjcWNSTHozb1M1cUFxN1RNdnRnMHpZUEhhYVdhTXR6eURsaVBxOG5qSjl4cWNsX1JrT0lOckx3bU5TOXc?oc=5) · TheLandOnline
- 2022-06-16 [Ruth Ida Schmidt Obituary Jun 16, 2022 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5yd0U1RlNxQkFQRlNBOG5KM3dveFA5TXZrTEZUVzRvbG1rWDNJMlB3X2ZSSE9ZYWY0ZW5ITk1PclM2X2RwYnEwekhXMXZjdU5NUGFBYkpEWFF0aTlFUFl3OTl0M3ZDb1Vz?oc=5) · Kolden Funeral Services
- 2014-06-26 [Landslide crashes into country home near Henderson - Mankato Free Press](https://news.google.com/rss/articles/CBMi4wFBVV95cUxON2tuY2VVNjlZUWV3d0h3SENnQVJTMmpodm85NXBGMnpzYzN6VWJxbzc5TWs5c0dPOVdmUTZRUUtqcUVrOThuTlB2cTMtWjA0WktTcHV4Q0NGTGc3RGE1OUdmaGpXeHlvWmo2Nng1QlZfNXFRYmE1Mk5mR0NfcnhkYUtRWXc0VGRIT1lpZHVpWmRLMUxXdVRoYnpKV3pGYmZwTXJCM2IzN3Qwd1BMaEgzWE5kYkRMa3RKd21idUtoQy1sMGVyS3RHb2tWX2V0N3AtX3FIVnltWmZVVEp3VU10NFpWcw?oc=5) · Mankato Free Press
- 2021-04-10 [Robert "Bob" Gatz Obituary Apr 10, 2021 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBSWjdQeHBkVzRYeU5iS2N1cWt5SlFGNzdxd0lRQWJldVJ4WndqTjN6WXQ1NTY1enNZa3pFMnFaYnlDbllxd3dOTXpOdnJQRnoydThuTmRZTEtxa2JHUHU3RVpnN1BmT2M?oc=5) · Kolden Funeral Services
- 2019-12-28 [Tammy Jo (Fahey) Schultz Obituary Dec 28, 2019 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMickFVX3lxTE1Ua0MwamhLdGpKTVQ3UDFkVUp5eXFWMF9CWjZsQkxab3VzWnV5RkthaXAzSkZFUTFBTS0weW5tNm9wSV81SUZaMzhOUHJ5LUxwUEFGVG9EZ0RzMEo2aXhseG44WEVrWlBIVlhacDFtWm9yZw?oc=5) · Kolden Funeral Services
- 2020-12-15 [Bill Gatz Obituary Dec 15, 2020 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1uVTFmRWlxMklDeGR3X3lwT0dIemR6ekZ2Q20xQW4wZHRPdnVQZmQzdUVrSGV4S3NQTFpYTXBiUkhBSXRMZG4teURKYm9zUHBoWE56TUFUVW5HeWRucUZRWkxkMlc?oc=5) · Kolden Funeral Services
- 2025-09-20 [Josephine Dell Battcher Obituary Sep 20, 2025 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMicEFVX3lxTE5CSUNTUkdBRzdEZjhXNk0yRHdkdHotUFNDX0d4aC1uQWduZzVweDU3Q1FuNFNrZDJ6TEdTMC0taUMtMS1PY20weWplUDFtdjVRaWZPNGFtai1YM0RQc011UE1jVnN0d0FnUUFUaFJHblQ?oc=5) · Kolden Funeral Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1383 (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/39.json (key "1383", 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