# GRAND TIMBER BANK
MCGREGOR, MN · FDIC certificate 18719 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $64.5M | |
| Deposits | $53.9M | |
| Loans and leases | $55.6M | |
| Total equity | $8.2M | |
| Loans / deposits | 102.05% (p93 of band) | 73.59% |
| Liquid assets / assets | 9.57% (p3 of band) | |
| Uninsured deposits / deposits | 9.97% (p14 of band) | 19.81% |
| Brokered deposits | 0.32% | |
| Wholesale funding | 3.03% (p65 of band) | |
| FHLB advances / assets | 2.71% | |
| Tier 1 leverage | 10.68% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | -1.03% (p77 of band) | -6.57% |
| AOCI / equity | -0.01% (p70 of band) | |
| ROA (annualized) | 1.26% (p56 of band) | 1.17% |
| Net interest margin | 5.96% (p98 of band) | 3.93% |
| Efficiency ratio | 66.20% (p51 of band) | |
| Noncurrent loans | 2.81% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | 0.65% (p98 of band) | |
| Reserve coverage of noncurrent | 39.77% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 38.64% (p71 of band) | |
| Auto loans | $2.4M (4.29% of loans; DQ 1.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 3 | capital falling | reserve under noncurrent |
| 2011-12 | 3 | reserve under noncurrent | capital falling |
| 2012-03 | 2 |  | losing money |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | deposits shrinking |  |
| 2013-03 | 3 | noncurrent p90, charge-offs p90 | deposits shrinking |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 1 | uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2013-12 | 1 | deposits shrinking | uninsured deposits leaving |
| 2014-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 1 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | noncurrent p90 |  |
| 2016-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 | capital falling | charge-offs p90 |
| 2016-09 | 4 | uninsured deposits leaving |  |
| 2016-12 | 2 | charge-offs p90 | reserve under noncurrent, capital falling, uninsured deposits leaving |
| 2017-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 4 | reserve under noncurrent, assets shrinking |  |
| 2017-09 | 2 |  | uninsured deposits leaving, assets shrinking |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | uninsured deposits leaving |  |
| 2018-09 | 2 |  | uninsured deposits leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 2 |  | charge-offs p90, capital falling |
| 2021-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | NIM <2.5%, reserve under noncurrent | capital falling |
| 2022-03 | 2 | noncurrent p90 | NIM <2.5% |
| 2022-06 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | uninsured deposits leaving |
| 2023-03 | 0 |  | reserve under noncurrent |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2024-09 | 3 |  | uninsured deposits leaving |
| 2024-12 | 5 | liquid assets <10%, uninsured deposits leaving |  |
| 2025-03 | 6 | charge-offs p90 |  |
| 2025-06 | 5 |  | uninsured deposits leaving |
| 2025-09 | 4 |  | liquid assets <10% |
| 2025-12 | 5 | liquid assets <10% |  |
| 2026-03 | 3 |  | noncurrent p90, liquid assets <10% |
| 2026-06 | 5 | liquid assets <10%, noncurrent p90 |  |

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

- 2025-09-11 [36th Grand Timber Bank Auto Show - A palette of Americana - MessageMedia.co](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQQlNVVVpUTGpFVW5MRHFoRWlGRGVwQnRldXpYVnlPRTYyemdyUXlxM1A5OXl2a29YcW44YVpscGZuSFl4bHMwempnQk1TY0M4MWhndkMtd1JoN0xubTdCLVNEWUpyS1RsUHJSVi1TbVlYTkVSUURwa2RySDJ5SXRDX1ZDNXpCcDFxS3ZnWHc0WnNEdDM4eXVRWThYLVNRZk52djhQTlF1a0hTQ2lNX2lUVGtyQVJ0QWRnb2JlLXJ4bGlCTDZJeDNmdjBnckhtbmx6OVBmaFViT0NadWhUaGN1ZEhKSHFNbllJQ1d0SjV0c3QzcHJwdW9z?oc=5) · MessageMedia.co
- 2017-09-21 [29th annual auto show at Grand Timber Bank a hit - MessageMedia.co](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOMDhTdEZSaEUtTUtkb1prQWZyMHM1dnFkZ1phZHJyRy1XdEtyVXh3OW5DeGFud1hsWnRFM01xcDNUV25OMnh2eTZvUHlBeDlsaks5VGlDajhSNHRST0IzczhJeks2LTlZQmRYNTktcEF2YTRLd29mdE5tNGZtektGX2RkVzFaSjJ6cTU2czV3N1pEU1hHWDJHX3Vsa2hKdF9sLW1ia0xNd0d5TWZsSnNiZ2JJdXpYYTI3QTNKcU5pNTM0UF9EQmtpT1dJVWtfaEh2UHNCVmlBVGU3U3hyaEVUS3g0MWc5TlRTd19j?oc=5) · MessageMedia.co
- 2018-10-30 [Wild Rice Days: There’s history in every car - MessageMedia.co](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQX01NczVVdjZDRE45TERkWm9WajNwUUpqeWJDTTdyOFdhajNFdHlRUVo4S1o2SE4tVjlkWEpvdUg1WF9EOXVQZHhtRTdHRTlRSVVPU3pIVkVzYXFWTFZtX2FvLXpvRXlyWFBXd0xLN1hzM1FxUGZmMFIwNlF5NXVLTmJBcTRTSTFsb3dBQTBmanlWWG5UMGl5LXZNSWZ5NXMta0FYLWpqdGt2dkVRWDhYSmlkQjE1SmhIZGh6YkVidW5rd3JzRTVMbHQ2VzExTU1PRHpiU0tjX084XzJ6UFNzcFZsUWs?oc=5) · MessageMedia.co
- 2019-03-19 [Golf on Ice supports McGregor scholars - MessageMedia.co](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPWk5DRmh5cnhyMnpNa2F1WTNfZFB2S19mdTNLMllFVnV1RS1UZFdJaWZiZHNhZUsxY1FicnFfMEpTeWIwMlBpMGthVDNSVHJnRzBTak9CeHRzbERIdFZLVTNyQVNMZzlJMkZnbENEdWFZZld1UVFURV9qeW1VYjhUa05XUFdQemtDbnVaT0t5akR0NTZva3dGT1Z1RzhXUU9lYm51eUZ5SllrTDRMTVhIZDBkdDA1NHJfdGtDYzY1Qm1oVTFFemNpVUtYT3I1azNUTEJZTzVlQmJBTzlBRXc?oc=5) · MessageMedia.co

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18719 (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/31.json (key "18719", 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