# NATIONAL BANK OF HARVEY
HARVEY, ND · FDIC certificate 19337 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $52.0M | |
| Deposits | $45.5M | |
| Loans and leases | $17.9M | |
| Total equity | $6.2M | |
| Loans / deposits | 38.70% (p10 of band) | 71.50% |
| Liquid assets / assets | 61.60% (p89 of band) | |
| Uninsured deposits / deposits | 13.60% (p52 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.58% (p40 of band) | |
| FHLB advances / assets | 0.58% | |
| Tier 1 leverage | 11.47% (p66 of band) | 10.45% |
| Unrealized securities loss / equity | 6.10% (p92 of band) | 0.49% |
| AOCI / equity | 5.36% (p80 of band) | |
| ROA (annualized) | 0.98% (p62 of band) | 0.81% |
| Net interest margin | 2.68% (p10 of band) | 3.66% |
| Efficiency ratio | 75.17% (p53 of band) | |
| Noncurrent loans | 2.97% (p87 of band) | 0.76% |
| Net charge-offs (annualized) | -0.24% (p2 of band) | |
| Reserve coverage of noncurrent | 53.67% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 27.08% (p64 of band) | |
| Auto loans | $206,000 (1.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 4 | capital falling, losing money |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | losing money |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | capital falling, charge-offs p90 |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | capital falling | charge-offs p90 |
| 2014-06 | 0 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |

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

- 2026-03-03 [Allen Olson Obituary (1953 - 2025) - Bismarck, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTE1CUldaTzhWTFJVR3NHa25WSE44M1Q3YjFIdU9yN2wwVndibWJWLXFhdXRuaDFET1J3Z05RQ25HNEhaTU5NMThxYkJHUDZ0bktwWXNEb0JfZUhNTmtpa1I0TUZLUFBWOTVZOC04Z1M2MkNQUG9GdWh1d2RWVnZmb2tneVJodzFVQjEybkQ1clc2aFF0?oc=5) · legacy.com
- 2025-11-29 [A More Perfect Place: Flossmoor’s men of high tech - HF Chronicle](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRGFoUDlEMkgtaEM3M0dWYTYycUtLSDdHd1JyRkJCMnRqdFV2ekFfdmdIY2hCd09jamZybWxJdnJoQ0hRcHo3eDhSNFBmY0tOUEVwY0Z2OERMb2UtSVJIQkVMZG9VZ0ZsWDVRV2xmZFg0OUNjN2dFWmkxMkJfSmdZVDAwUEZQaVp5TTB4NDJuV1BwUQ?oc=5) · HF Chronicle
- 2010-02-15 [Catching the organic wave - Agweek](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9SWkdEVk10Q01aVU9XUXh3ZjB6bHoxc1VlQnFWSDZna2kyak5tUmRpeTNCa2otemY3Q3N3S081VWEwZDc1ZElWMHlER0RUa2RtX21yZGtmQ3REUXRSM29WVjU5a1ZIZy1n?oc=5) · Agweek
- 2011-11-04 [RUSSELL LANGENDERFER Obituary (2011) - Chicago, IL - Chicago Tribune - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOTW5pa3pGRERYRlQyZ1NVSFk4MEhXUWRxcTBfYjlJSEY0MkRSUVo4WWFFQThxOFpUUE9XVmxaNXBnV196Nk5fTHE1Q2oyVnVkVlcxdndta0E0c2VsQXctcFlMYzROdWgwNnNJNFJRQVJBbUdnUWlIb1NWaXducy1YV0tMVS1UcWs4WTAtRG5QdXhWR1ExeTV2ZFl4XzJhQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19337 (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/9.json (key "19337", 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