# STATE BANK OF LUCAN
LUCAN, MN · FDIC certificate 15890 · asset band <$300M · latest filing 2011-09 · 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 | $41.1M | |
| Deposits | $36.1M | |
| Loans and leases | $20.2M | |
| Total equity | $4.4M | |
| Loans / deposits | 55.31% (p22 of band) | 71.39% |
| Liquid assets / assets | 47.41% (p77 of band) | |
| Uninsured deposits / deposits | 1.87% (p11 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.31% (p55 of band) | 9.99% |
| Unrealized securities loss / equity | 6.51% (p68 of band) | 3.72% |
| AOCI / equity | 4.48% (p76 of band) | |
| ROA (annualized) | 0.85% (p58 of band) | 0.72% |
| Net interest margin | 3.50% (p29 of band) | 3.86% |
| Efficiency ratio | 74.62% (p54 of band) | |
| Noncurrent loans | 0.31% (p21 of band) | 1.48% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 398.41% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 4.50% (p27 of band) | |
| Auto loans | $352,000 (1.74% of loans; DQ 7.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |

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

- 2025-11-19 [Delores Mae Hogen - - Marshall Independent](https://news.google.com/rss/articles/CBMifkFVX3lxTE90U2dXa0poaFV5anNDckhMUnlVVEtsdVBkZHZ5MkVydXhyemUtcFN2M2RXTnlJTmw0Um9OX3JwQkRzMzdobmlvbmJiSWNBTzJKaUFFd3FFMnhmaFhEQ3pnUGE4MG9wMnJWMWVKMUkxNzlzRFJRS0tpODdlT0VjUQ?oc=5) · Marshall Independent

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15890 (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/18.json (key "15890", 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