# NEW MARKET BANK
ELKO NEW MARKET, MN · FDIC certificate 1931 · asset band <$300M · latest filing 2026-06 · live

**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 | $196.0M | |
| Deposits | $177.5M | |
| Loans and leases | $118.0M | |
| Total equity | $17.1M | |
| Loans / deposits | 65.63% (p38 of band) | 73.59% |
| Liquid assets / assets | 36.43% (p57 of band) | |
| Uninsured deposits / deposits | 19.78% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.11% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -4.63% (p59 of band) | -6.57% |
| AOCI / equity | -1.57% (p17 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 4.41% (p73 of band) | 3.93% |
| Efficiency ratio | 67.62% (p55 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 16.73% (p49 of band) | |
| Auto loans | $402,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2017-11-01 [New Market Bank - Twin Cities Business](https://news.google.com/rss/articles/CBMiVEFVX3lxTE8zTFFxX3RId2FUM3ZjZnFYNDd6cXZ3ei1tYWFIR0FucjJrX1lSY3ZSQzcyN1BYbWp4a2ZVZk5pSFlycHh6ZW82NC1qWVVIenYtT2tuUw?oc=5) · Twin Cities Business
- 2021-12-21 [Deputies search for suspect in Elko New Market bank robbery - FOX 9 Minneapolis-St. Paul](https://news.google.com/rss/articles/CBMimwFBVV95cUxQZ3gxaDRyaDZnVGVjUlk2T19xeFVmNXIxYUpyV1p2TmtFc29tdkV4My1ucWFvMXlyY1ZvNFAySzl5V1NnUlQtaGFrVmNiTUZHY2FINjhXaFhzS1lOV1VadFVteUpKbXlOT2NveXRCVEtyX2NmZHJuQ3p1RG02bHZYeERLQkdPdEZuN2YwS25zUHFXalNaRGVKZUJQaw?oc=5) · FOX 9 Minneapolis-St. Paul
- 2020-06-22 [New Market Bank adds fifth-generation family member to team - hometownsource.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxORkpWa1ZmeGQ1dEI2VDVEMGYtUUpiR3FBOGE2SGpxdHFYZDlHc3hzWkMtREdVeWZSX0RPcFZqOFBYdE9WejBsOS1zRG5DX3Z6TjlmLW9MbEd2QzJDV1RIbEk4a1VoNzZjdlBiX09QX0NBMUt5NHVOeHdSV3V0UzR6ZnFFb3hhbXJxXzJMXzMzWDVhYld0Wld2NUxsTDdFLW1CYWFkZFM2RkZSak9mOTlNOGdDWjdhb0JVakhNVVBwSm9uWVVrdnZxM3B2YmdGSjZHS2Z0dy1UR2VETm8yUEhnQ2dOZ2t6bDFNa3NENXBzcw?oc=5) · hometownsource.com
- 2021-12-19 [Business People: Historical Society appoints new executive council members - Pioneer Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxPTnFxMDF2ZGt5WDB0N3VWOEhYY3RZQm40VkJ0a2NUc3NhcnhmbTZtNFdaRkdJTEdpMUQ4dnlIX3ZFeW5pcURMTnk2N28yMGU5ZElkcmNxUDc1RlBNUnhCUmRGbFlIczBrN3ZRYWxTZE43NU1GQnN4VUx5UkpsSnRqemdMT3JBcFB6cEkyemJuQ1hDVFZpNDZRM29ub0M0eHAyX0Z6SEFrcDB4SnRNaDhjWkxn?oc=5) · Pioneer Press
- 2025-02-22 [Elko New Market is forecast to boom in coming decades. Is that long-awaited growth real this time? - startribune.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOQ1FjWGdvX2YwTjNUcmlzbHZuM1VFMUpxeERaU3JpS1AtVTFHTngxWERibDJZY18zYko1c1RIaXpLTUxpWnRHeXRxZW5rTV9YcFZTMU5nOV9IOVR6UUhrbXN1TWlIcmtQWW5IWDRtRGNPeDdvN3R1M0NYMkJWMUVKcHc0eFZsS2Uy?oc=5) · startribune.com
- 2023-03-03 [CFPB Announces Appointments of New Advisory Committee Members - newswire.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbUd3Wk1EZTlRNGxjV19qcktDeDRhVHJEM09hUDB5OTBwLXpjLTNPOUtZb3JXQTN6aDRlc2FWSzNlbGNvRGpaZVZBLXc4eXdrdzBoR1B3aFlVWnBoVGEzOE1JM3FLckxnZ05jUE9DV0FpUWVZVS1TRDRTbFJKMDlpbnhnRTZmOTJvbXhnVHFVc2FmcDlhRElRVHJPTlM4bnlTWlE?oc=5) · newswire.com
- 2025-06-25 [Alleged Hortman killer worked at U of M eye bank until day before shootings - MPR News](https://news.google.com/rss/articles/CBMingFBVV95cUxNTEVGTHhETnVPX1NQbTBTN3dINl9VT0hwc3BQNE4yRnlEVThfSWgzYmhVc1lBUjhlXzhGVk1OS1FJQ1J0NnRiM0d6eldWNHI1d3QtSmxac3ZEbnlocTIxeFBuQXZ4dWJ1NEJVWGxEbjF5ZTR4ejJHbkxnTG9mS0hmMnlwQ2w2Z0QySGxhQlBIVmZYVmd1QmFUTXduVjZhdw?oc=5) · MPR News
- 2021-11-20 [New Market Bank’s Drentlaw named one of BankBeat’s ‘Outstanding Women in Banking’ - hometownsource.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxQSFoyZEU3LVgwTmVaYVJUWVhrcUhPbUZXV25NT2JhdmlVdG1uT3JoSTY0MkhPZnRSM09kTlNLREVtZEQyRXE3Qmp5UHd5TGZFcVYtNHNVOFVZYVhNVmRaNU9qa0VwUWJWMVZhdnhLZkw4N1lrdFZxQTV3RUdLUWp5WlRMUGx5aUxkOGRWQ3RCS0ZQanVlQS1IZ0hMY1ZOWXFQbGYzMlBQbGpWQndGTHctejJTRmFDekhGbWVxcjFFSl9NQU1ZQkpvcFNPQ3VTaFZobFktcXZKVnl0LVhEc2RxckVjU1lSRkNvbFdXbEVYX01Ga3k3VV9TSG9UQ0docHlvS2JZQjJydFNWZw?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1931 (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/11.json (key "1931", 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