# ARLINGTON STATE BANK
ARLINGTON, MN · FDIC certificate 1391 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $56.7M | |
| Deposits | $52.7M | |
| Loans and leases | $20.0M | |
| Total equity | $3.5M | |
| Loans / deposits | 37.51% (p10 of band) | 73.59% |
| Liquid assets / assets | 61.33% (p88 of band) | |
| Uninsured deposits / deposits | 17.02% (p39 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.13% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -70.29% (p3 of band) | -6.57% |
| AOCI / equity | -0.64% (p39 of band) | |
| ROA (annualized) | 0.14% (p8 of band) | 1.17% |
| Net interest margin | 2.77% (p8 of band) | 3.93% |
| Efficiency ratio | 94.99% (p93 of band) | |
| Noncurrent loans | 2.12% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p74 of band) | |
| Reserve coverage of noncurrent | 48.46% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $227,000 (1.14% of loans; DQ 22.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 0 |  | reserve under noncurrent, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2015-12 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2017-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 2 |  | charge-offs p90, capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 2 | deposits shrinking, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 5 | charge-offs p90 |  |
| 2021-12 | 4 |  | capital falling |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 | construction >100% equity | NIM <2.5% |
| 2022-12 | 5 | assets shrinking | construction >100% equity |
| 2023-03 | 5 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 7 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 4 | uninsured deposits leaving | assets shrinking, deposits shrinking, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 3 | NIM <2.5% |  |
| 2024-09 | 4 | deposits shrinking |  |
| 2024-12 | 3 | assets shrinking | uninsured deposits leaving, NIM <2.5% |
| 2025-03 | 4 | expense ratio p90 |  |
| 2025-06 | 3 |  | assets shrinking |
| 2025-09 | 4 | assets shrinking |  |
| 2025-12 | 3 |  | assets shrinking |
| 2026-03 | 2 |  | deposits shrinking |
| 2026-06 | 4 | capital falling, reserve under noncurrent |  |

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

- 2020-05-11 [Sandy Kurtzweg Obituary May 11, 2020 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMia0FVX3lxTFAzbGxfR2twbU9aZE1PZzdaRzFYejh4RUM3WS1RUkJuMzF4UFhSb3BWUGhpRlVBRW9HZXo2eFZjeTZPeXZ1NkZYRTBKRGhrMUJNaS1ucEhaOXA2LVVYamtuWlJ4cVJLZFhlcnZZ?oc=5) · Kolden Funeral Services
- 2025-08-06 [With major payouts on the line, action at Arlington sizzled alongside the Sibley County Fair - southernminn.com](https://news.google.com/rss/articles/CBMipAJBVV95cUxNV2ZKeWZTclBGd3BaOTEtbllhUXU1ai13M0xwOGMxdkgzRTVMSnVNcUVFZzIzS04zS09DVjZYOXVjbTVEODhqXzEtQ1ZRSDNoaW5ubEhYTF9HMUtqZHppczFpaWE0dTJYRWNlSkl4WDZFdW5OX0JIWFRCYUd4c2ZKOTBjclJHMXpGVHdnVlFuOTZwa0pVc3JOdnNnRHpTUEFqOHV2cGxtV0w5Y1JZLUR1TTlMVWtWZy1ycWkxeUhsdmZTVEpIb21JblE3RWFmdnRjT3RsSnkzamcwQVdWbDgwNjhDeWM1QkFzMjdlX1BvN1RhQ3ZscEowUUNMNzdfQk1uN1ppakJWZXJMSl9UMllIZWVMOV9zd2ZHb3NJOEp5M0xZTHJm?oc=5) · southernminn.com
- 2025-02-07 [Obituary for Wayne W. Neubarth - Pioneer Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE5hckl5WnVzT2V3YUQ5Z3V0MHZQYkRPeFVVbWZFTE9fZlRPb3FXaVY5dkg2Q1VVM1RnclUwY3hOdTU3RXVJTzBzWm1NQzRnQ25Sd3lpQVdTWjNYV0p0dnBtVHRkSmdIWXZzcm55RVRhN0hiaWgyaEZ3?oc=5) · Pioneer Press
- 2025-12-16 [Shirley Bethke Obituary Feb 14, 2025 - Kolden Funeral Services](https://news.google.com/rss/articles/CBMia0FVX3lxTE52c3VDOTBEdGlMQzdhcExORzN6bnJhZ2Q1UmxPNl83RV9nbGpHSElzQ3lBVW5kei1CQlFHeWhDcFRwSl9VSUxWZm5KMDJsT20zd2laTzVRTTREWnlTZGhobzFIQWJWWHo1WmdV?oc=5) · Kolden Funeral Services
- 2025-07-29 [Drivers overcome fierce competition and collisions at Arlington Raceway - southernminn.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxPanVHckpTZHV6UFhLbXM2bE1rT0IzbDgzQkdKM2IzbnBkN2IxMU5QbkVkVnhpZTVUeEJNMXk3MnY4R0xQMkpSRERYclRyMkxzOENYRFkxNUpfcW81dVhLaElVZ2FrVlFsTU91RHdreVc5cHI4Z1JBcWUxX3diM0lDYm4wMDBXU2dneWNSVjJVNk9JWE5JaUxfbEt3TmNlMHhud2Zua3l2RmtwbzRzQVRNdjJaNmoyMlc5WW1qTVo5aGlGQ2xtNV9zRGc3RVdST3V2MnBfUzByUTd6RlpQSFBZeEJtbC1mMkhwSlZueHY0dUZyWFZuRnZZSGp3a1NLS25xeEhB?oc=5) · southernminn.com
- 2015-03-05 [Robert Monke Obituary (2015) - Fremont, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOSWEzNmN4NEtQaUYwVDVKUHZfeWtHdDNOcFd3S3pWY05OdVJSV0syZ19HNW84dWJlbXRuY3BUMFNYdTlQd1dReWtITjJma0dZX3V2VXpOLXdfUVBaUTllT1ZqSkJJQ1B1STdNR2o0SVBTZ2NiVW5hUUlQbzlUd2xPbTNjeElKZFBhcEVTMl9hbVdqWGpk?oc=5) · legacy.com
- 2023-07-25 [Eckblad picks up victory at Arlington during Minnesota Farmfest Night - southernminn.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOUEgwVGlnbUJmbkQ4dEpiaVlGRDFubk9pTWlCd3dRY2d6SlE2dmEzS2ZxamJfQUZmbC1vZWEycjhLZTdvcllNenFXQ1FVeGd3Q1NFbjNieW1pamxqeTJETjRweUJVT0RSamVCX0g3SFd1dG9yaEFMbEhxRldkZVFMYzB6NkFrSmI5dVpPQl9BQTJHQUVhZ2VUR1c0a1dHUGVEamsxZnVfbHQ2Mmw4SkgzaTV3d2E3QkROSnN3ZXd6dWZxNlFaNVBjRXZ3YjhjeXpTYm4wc09NNnJkczVsLUxJRW1zSjNSRDAyVXBJMGoybnZCNl83aVNsOWNDVjd0WTh0?oc=5) · southernminn.com
- 2025-10-01 [Arlington raceway caps off another great season of racing - southernminn.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQVThOVkQ1aDBXbER3bjFHQ01sRU53VDlQQ2RxbFh4YnlQMTJQT2pKcU1GaHhVc0xWUTg5SDA5NU1mQTZ5OGdqT0I1T29FcGxlNGlSb3NzVldVWld6ODBNQW44Zm9GUE9UVml1ZWFzU0EwYTF1aWtqRlpvRzhwcnZBR05ka0VsRVlnNlRGRUNsZmFwTG9lXzdtWlJLeGw3T3hTMkZpdkJoeWVCRm95dmYxYklsT05Qb3NxVEd2Tk5kTEZ1dVVPN2FPOG1DTFFrczNGcjU0cHpZVjJTSTM5Tld4TmhvOGIyclNOUlBaQTVhcGo?oc=5) · southernminn.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1391 (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/47.json (key "1391", 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