# BREMER BANK NATIONAL ASSN
GRAND FORKS, ND · FDIC certificate 2055 · asset band $1-10B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.01B | |
| Deposits | $678.9M | |
| Loans and leases | $854.2M | |
| Total equity | $106.8M | |
| Loans / deposits | 124.32% (p97 of band) | 84.58% |
| Liquid assets / assets | 11.76% (p8 of band) | |
| Uninsured deposits / deposits | 27.49% (p60 of band) | 23.46% |
| Brokered deposits | 0.50% | |
| Wholesale funding | 22.10% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p61 of band) | 9.78% |
| Unrealized securities loss / equity | 3.97% (p90 of band) | 0.41% |
| AOCI / equity | 0.68% (p38 of band) | |
| ROA (annualized) | 1.14% (p70 of band) | 0.93% |
| Net interest margin | 3.87% (p73 of band) | 3.52% |
| Efficiency ratio | 54.21% (p17 of band) | |
| Noncurrent loans | 0.63% (p35 of band) | 0.91% |
| Net charge-offs (annualized) | -0.03% (p7 of band) | |
| Reserve coverage of noncurrent | 190.52% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 44.38% (p65 of band) | |
| Auto loans | $14.4M (1.68% of loans; DQ 0.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -9.1% | |
| Employees | 109 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | loans exceed deposits, reserve under noncurrent |  |
| 2011-12 | 0 |  | wholesale funding >15%, loans exceed deposits, reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | loans exceed deposits |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 3 |  |  |

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

- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in Minnesota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONEVZdDF6MnpjeWpqd2NiNGdSU2U1LUxhZzRhU01NU19hUDBybnZackI0empPNGxIRlktTkNBVTJQajliR083MDRmMVhueWxCUDVka3ZTMHNSRHl0M2hCS1NtWmFhamk4VW5pM1pDbUFDcmVkcmJLNU8yNXU3cmZGamV5dVA2bHc3ekEyVnlGRXE?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in North Dakota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYXUzUzZzRE44MnVPT2FhSHFXc1B3bE1XTGt6dnBxSGx0ckloTUlfWUxsX2pnZzIwQkRhNkkyT040NjZfZ2FWYU9lcU5wZ29jUXB1R1JFeWJPNTlJUVk1LUY2bVJsY0l0dnEzYnA4R2YwNTRTU0pXc1hNMTJpamE0bi15d3NWSy1ZMlRTLUZnY0lDM29I?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2055 (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/7.json (key "2055", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide