# PROFINIUM INC
TRUMAN, MN · FDIC certificate 1905 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $533.1M | |
| Deposits | $455.1M | |
| Loans and leases | $393.9M | |
| Total equity | $49.6M | |
| Loans / deposits | 85.46% (p60 of band) | 82.04% |
| Liquid assets / assets | 21.57% (p37 of band) | |
| Uninsured deposits / deposits | 16.55% (p17 of band) | 25.97% |
| Brokered deposits | 1.56% | |
| Wholesale funding | 6.44% (p65 of band) | |
| FHLB advances / assets | 4.87% | |
| Tier 1 leverage | 10.17% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -26.07% (p15 of band) | -8.10% |
| AOCI / equity | -0.27% (p55 of band) | |
| ROA (annualized) | 0.92% (p28 of band) | 1.28% |
| Net interest margin | 3.47% (p26 of band) | 3.91% |
| Efficiency ratio | 66.36% (p65 of band) | |
| Noncurrent loans | 0.13% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 961.95% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 33.14% (p40 of band) | |
| Auto loans | $1.0M (0.26% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-12 | 1 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | deposits shrinking, assets shrinking |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 | charge-offs p90, uninsured deposits leaving | assets shrinking |
| 2022-12 | 5 | brokered >10%, capital falling | deposits shrinking, uninsured deposits leaving |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90, brokered >10%, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | capital falling, deposits shrinking |  |
| 2024-03 | 4 | losing money, expense ratio p90 | deposits shrinking |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | expense ratio p90 |
| 2025-06 | 2 | uninsured deposits leaving |  |
| 2025-09 | 1 |  | uninsured deposits leaving |
| 2025-12 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2021-11-24 [Profinium elects new talent to board of directors - southernminn.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQZlh6bGVkeEM4dHR6S0ZXMXpGUVdjT1RzWE8xY0dZTkUtZlJNeThZTE5BSjNUVzV2TlFSWTNZS0N1REM1ejJkVHZIN3RkdnQwSEZQZmJabXpzM1Z3WEp1NkM1MjBVNkRiSmw1NXpkT1FQalo4RURpc1k3YW40RVRRUFNDandZZU82N3NZNXhMNUtscmZMT0ZiS1dPMVBNTWV1dFVVZmxEOUlENFJtX2tPV0JYVTRUbmxPajk3NHEyOHNJZHFhYk5uWGFPa0I0cFFyR2RJdWlyb1ZIUWRPa0JXdXpJWWZkSEUyUkxKT0RLV2VaeU0?oc=5) · southernminn.com
- 2024-08-05 [Proven banking leader Staehling takes reins at Profinium - Mankato Free Press](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQRDVERkJYYXp3Um1TUFVTeVRaU1dMNWlJWE5SdDVSU1h3VmFJN1VZZTVpWkJWQXZwZWFzZVBWRFdhRGhMbXNjSDY3cHFITUNhX1NHajhGZUVIcEtfeXBUYzI3RUdUTjhweldZQ3VSQmlXYVpVWktPbXF2aTRXOWJYaVZuVGtXbEhVeVBWZUc3WEF1WmhCY2t0MGl2Y0xrR3ZtbGhRcDNSM2FUbjJiejdVeHBMbjh2M1FQQXRydm04aUI0NTF3ZmdaYmltVWx5dms0Y0xTUG9RSGpmbTAwakJ4dXM5UnF1MHdT?oc=5) · Mankato Free Press
- 2017-01-26 [Profinium, Inc., appoints Taylor Herman Vice President, Personal Banking - southernminn.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxQWGZrQzRvLWtDYUs4dUtlZTYxQk9wb3F1MWNxd0NSMkV3NWZjcDhoNnZYYjJSOGwyVUktNmt2SHVoeVdrVTVfMGtJRXhFblVlT19VbE5EWmE2QnB0Y0hwczJkWE55dXdkVEZiclhQbExTd0dtQThUOEZyVlkybmd5TGxOUkZyZ1BBX01SX0tobURFZFp5MUFWUnltclZyUE1WT0NGaDAwMTRYdFNtN1BVQ2hoNnoydjZ4bG4zUW1EeFlrUWI0Si1kXzlmd3llQ05rQ3BLSVVFTjZ0dHhlSlFUZ3YwN0NoUFBuaG5Da0M3ejUyNlZfUmhPOEozNWJJUFJwZEFMSFZ5cng2Yzlf?oc=5) · southernminn.com
- 2015-06-03 [Profinium opens in new tower - Mankato Free Press](https://news.google.com/rss/articles/CBMitwFBVV95cUxQbXBQRTUtUGd1SUF1UkZUZkM4bENpQU9KczZIekNXSzU0MGlENGFKNTh3dG1WWEcxX1lsdWs0UDZWcTEwRmZaME4ycm5hdTR0ZGh3OWdqWnh0U3pfM3lNSUhWRGU3N0ZjVlpteHJWbDZpVnVQZm81bXplcmF5c0h1ZHh4ZW5rc0ZWZDZEaThhN0NvaFdrb2premV1SHFCeE54V3BsSVhlRnpVVzlUVU9lZVdMRktmNVU?oc=5) · Mankato Free Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1905 (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/49.json (key "1905", 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