# KLEINBANK
CHASKA, MN · FDIC certificate 1414 · asset band $1-10B · latest filing 2018-09 · 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 | $1.96B | |
| Deposits | $1.72B | |
| Loans and leases | $1.09B | |
| Total equity | $197.7M | |
| Loans / deposits | 62.76% (p9 of band) | 90.76% |
| Liquid assets / assets | 38.89% (p89 of band) | |
| Uninsured deposits / deposits | 29.10% (p58 of band) | 26.76% |
| Brokered deposits | 0.37% | |
| Wholesale funding | 1.29% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.03% (p47 of band) | 10.18% |
| Unrealized securities loss / equity | -11.57% (p6 of band) | -3.35% |
| AOCI / equity | -9.33% (p1 of band) | |
| ROA (annualized) | 1.87% (p90 of band) | 1.18% |
| Net interest margin | 3.64% (p51 of band) | 3.63% |
| Efficiency ratio | 59.78% (p44 of band) | |
| Noncurrent loans | 0.49% (p50 of band) | 0.48% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 249.10% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 46.37% (p55 of band) | |
| Auto loans | $21.9M (2.00% of loans; DQ 0.96%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 348 | |

## 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 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | AOCI drag >20% of equity |  |
| 2014-03 | 1 | expense ratio p90 | AOCI drag >20% of equity |
| 2014-06 | 0 |  | expense ratio p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |

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

- 2018-05-10 [DOJ settles redlining lawsuit against KleinBank - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSzM1bk16VmxSOUc4MTg5N3o2Q2ZaV0FRX0o2aF9PUmxTRzJJbmx1U1hLVTJsTFVpc25wd3RHcWQ2OTl1VXVkLVVhR01LaDRMYV90VEE5Z0lSb0tzZzA3UG14WmdHam9aZDZUaFNfRmFFLWJ0bWtBUHA5MjRES19HNG1DRTh0bEZsaXd5YksxWGVvLVE4bk05VmRvX3NIbGM?oc=5) · Consumer Finance Monitor
- 2018-05-08 [Twin Cities bank at center of huge redlining case reaches settlement - MPR News](https://news.google.com/rss/articles/CBMirgFBVV95cUxNSUVaOWpwNXVxbHBPcF8tWjZ3dmQ3cGZFX1NuWEg4VGVYOTIzaVZlbVZVV0lkbFExQWZCTEpFWU96endYU0tHdWNRWWtqNVVoT2p5MkhGSGo2aVRUYVByVWpYYjM4S2xCY01qRkpXUFp0NUdicDhjSXF4ZlpKRnpnQ0NKMGhXekhqWHloWkpUaVAxeHY0UWFPTDJPR0pOcFVSdVBGbXBSUjAtYjk3WHc?oc=5) · MPR News
- 2018-06-21 [Old National making big leap in Minneapolis with KleinBank purchase - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxNQnJUdjBvUGhEQ2o4ZndsS3BGNlBoNl9OcXA1Q2ZJSVNrMjJLWjNPZHBuZzVhLTFaWVBjNkFZLUtpeWxYcXZvNjRuSjc5TG5rR1JsemVwSm9SZkRLWHhQT2VVSHp1dUcwVUdibURqSlAzelRORmtNc21WX2hWQ09tNVd0clR0WXRyT3gtVm51YkRNNHRPWDdBQWVSdUxHV2dPcDVGVnFR?oc=5) · American Banker
- 2018-06-21 [KleinBank Agrees to $434M Merger with Old National - Twin Cities Business](https://news.google.com/rss/articles/CBMieEFVX3lxTE5sYk1hd2FXbVB0MVlCNE1QdUpvUEhmNnJDYmQ5RU1fNno5eWhFc2NfekV3ajZmT0hxbEhkNGtEWF9UbUQxWlRWei1FeUNXMXpPLXVaRXFZT0JOVTFHNDlUQ0g2MU1sM0pIUVhZS0F5eTAwaWtoS0E5Zw?oc=5) · Twin Cities Business
- 2025-02-09 [New CEO/president at KleinBank - Pioneer Press](https://news.google.com/rss/articles/CBMie0FVX3lxTE1xZDd3SkdaR0VGSnlOdmloeGd1SDR1bDhqYjZTN0FyRjNtT1BIOUJBbHdPbXZHNGpFanlrUTNFWFp5aHRBTVNvS05RMEduZFZEaEd1dU15VEljXzJSbzdfeThLWTI5LUREMFpOaVpGX1E1S3BuTUVLaTV5SQ?oc=5) · Pioneer Press
- 2018-06-21 [KleinBank to be acquired by Old National Bancorp - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQQTJWbklwNGlaZG9rNnIwTzU0Tm01Z1hScGZ3SllpSmM5Y3FNOUxHeVd0aWNTdWx6VDV1VG1DX1U3S2NWWl9PUmVrbmQzdFRvRklJRVp6MnNUd1ZpRVVwNG1vUGRiaXlLSmRSQnVFWUtHb0phQ2RfSkpORzdiWUd5TU9ZbHZObVpUSWVIYUgxSFl6M3Niakd4WU80eVZhNVVCSWZUZWRvdFNxdm9V?oc=5) · The Business Journals
- 2025-02-08 [Matt Klein appointed president of KleinBank - Pioneer Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxPVjVldDlJa2hkNnlxX001c2E0c1Fud0ZmVFU3NjBHbXY5SjJ1OUo0MlVjMTZSYW5iV1FhOGRmUmFESUFXMzF5NnZKWnNyTDkwSjJlYTFZTkp2WVNVUC00N2FySUhVMGtKSmVaQ295a0pSczVkMGJsWThKcTctQ3dTMUpycGNNTUVtVkE?oc=5) · Pioneer Press
- 2018-06-26 [Old National Bank to be among largest Twin Cities banks after acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNNjExX2o2S1I5d1RYQ1hCYlAtRy1zbkJ2bmt3Tm13bWdza0doVWk1SXB2d0s0VUVtRHFSelVyV2trUjltWTdrYW12dzJNNnNIc2duZEI2LVZsLVo3ZWRNdllhWjkyMFN2cTIzWnRoZk9NLW9meFgtcWV2bmxqQjNIZWFXbEtWWllnMXpXNkdBZFRxbFBYZHVZQ21WRTJMYnJRYlNOaE5xS3RkZ2FPamc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1414 (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/6.json (key "1414", 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