# BORDER BANK
FARGO, ND · FDIC certificate 20776 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.06B | |
| Deposits | $922.6M | |
| Loans and leases | $901.5M | |
| Total equity | $96.0M | |
| Loans / deposits | 96.28% (p78 of band) | 87.10% |
| Liquid assets / assets | 11.20% (p8 of band) | |
| Uninsured deposits / deposits | 32.06% (p54 of band) | 30.76% |
| Brokered deposits | 5.90% | |
| Wholesale funding | 8.74% (p60 of band) | |
| FHLB advances / assets | 2.83% | |
| Tier 1 leverage | 9.07% (p14 of band) | 10.50% |
| Unrealized securities loss / equity | -8.51% (p46 of band) | -7.75% |
| AOCI / equity | -0.67% (p27 of band) | |
| ROA (annualized) | 1.31% (p55 of band) | 1.26% |
| Net interest margin | 4.00% (p68 of band) | 3.70% |
| Efficiency ratio | 63.05% (p63 of band) | |
| Noncurrent loans | 1.07% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.09% (p74 of band) | |
| Reserve coverage of noncurrent | 137.50% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 28.40% (p28 of band) | |
| Auto loans | $10.8M (1.19% of loans; DQ 1.02%, NCO 0.00%) | |
| Loans to nondepository financials | $6.1M (6% of equity) (p85 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 143 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | liquid assets <10% |  |
| 2012-06 | 1 |  | liquid assets <10% |
| 2012-09 | 2 | liquid assets <10% |  |
| 2012-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | uninsured deposits leaving |
| 2014-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2017-09 | 1 | loans exceed deposits |  |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 3 | capital falling, NIM <2.5%, reserve under noncurrent | expense ratio p90 |
| 2019-03 | 1 |  | capital falling, NIM <2.5% |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 | reserve under noncurrent | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 0 |  | reserve under noncurrent, noncurrent p90 |

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

- 2026-07-31 [Statistical release: BIS international banking statistics and global liquidity indicators at end-March 2026 - Bank for International Settlements](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9faHNOSjNmcUp3SEg2T1FCN0duck5ZWGRnV1RtT3dhb0JOWmkzWHlEeVkwdWprZ2RManI0dGlNWWdaUnJIZXV6dWRLYzVtRnBnb1hCajR3?oc=5) · Bank for International Settlements
- 2026-05-14 [Don't you (forget about me): global bank lending to EMDEs is in retreat - ODI: Think change](https://news.google.com/rss/articles/CBMinAFBVV95cUxQaXN2WDJOMEtvUTRKMFJSYzF5SHhqREhNWW5GYzNwRnNmbkpCVGNVbDhMQm1ncDBkSFBOcGNDTUxyNG1ydkJVc2t0ZkFjTkQxdV9oN0Z6NFhCellvNWZ2RktQWTdVYVh1U08zLTZSb09JcEpIeGZIdVU5NDVLclpEUEo3QkRkWlVkaTVFbTZ3TWtPb28zSHN6TjZlUWY?oc=5) · ODI: Think change
- 2020-12-11 [Border Bank expands into North Dakota - Grand Forks Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxOT3ZwWFNyRWprVDZPNXotYXk3cHlXMC15ZjdrU1ItTDJCempsXzNIbzkta2ZuZzVvUHlzMVpkYXBPcGZyRHJ3b29KS2F1YlEybV9wMnB2VjlaTDBBbkJodnFPU2lOSVV6d1ZjdHdELWl2NXQ5b3p1eE9BMTB1RE1ST25FUWc1RDZuZXRIcG9DV0I?oc=5) · Grand Forks Herald
- 2025-04-02 [Minnesota’s Border Bank revamps tech infrastructure with Jack Henry - fintechfutures.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQZ09TWFYzLWdUay1nM28xaFc0eS02SmZoNy1LallMdTcwNl9SU0E5V3VhSi13NEpOdUhmb1RFdmUwNG4zN1IxVUNqNzQ3VGhwOXp6eFJBTkQxbnhQdkhtd1N6N1JJN3RKUWc3aGhCTzNxWUhjQ2pSbm9kQWxhYUtuVGpwY0Z2UlZEWmFETVBJTWlHdzd5U0IxMmo4aUlJbk5jY0hSOTFyTjAyZDVpWm1JQ3Jtc0EzenRTbnV6VUJNaw?oc=5) · fintechfutures.com
- 2026-06-03 [Standard Chartered signs MOUs with Development Bank of Kazakhstan and Hangzhou CIEC - FX News Group](https://news.google.com/rss/articles/CBMizgFBVV95cUxQZ05UYkFRandpNjRQSW5xWjNPSFlWMEJzb3VnQ1lOTGdNRk5lUWxVRTBSTzd6YmxzTE9pMjVnMEM5bXRCVmZ0b0V1dE5qOVJKZUVsXzZHWlpRNDY4bk83bTh0RlBJTmRNdkpKZkpPbmVLT0h2aW4yY0g2amk0TUZtbFVuakFFZElDVjBRVlgtU182RFNXalVBNE9Xdzd0RXZqSjREUlM4TXo2R1ZWYXpKZm1TNGl4YjN6U2s3ZXFjcWN3Vnl2b2hqVEtZN0Ixdw?oc=5) · FX News Group
- 2024-06-18 [Intra-euro area cross-border bank lending: a boost to banking market integration? - European Central Bank](https://news.google.com/rss/articles/CBMifEFVX3lxTFA0d0Z0VU16blAyVU1MZzBmUHRhOHUwaUVDZ3l5NkNTZmNkdWw0WjdjdFJUbVR6WHBveHphSVNlX0EwSXBTREJpZW9xVklRYmU1S3d6c3J0Zy0zTUQ2SE9rQzJNMTYwbUlDZ0E2MzR4dmFkeGhKbXRkT3AyckQ?oc=5) · European Central Bank
- 2021-06-23 [Community banks rush to meet customer demand for bitcoin - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWVdpbGo4VUF4VC1oYl94OFpwczFORHlWTUR5MzZDbk0tcHhfWlA0Slh2eG5ORFpOSEF1NVVzVWw5TENiYnkyQzlORGJGNjVuLXA1OVM4ODNxMVlXS1dpeGJJRHhxX0NnelRmTm9GWW4wQnNOQ1VLVXdkQTBFWFpBbllFTVVhaXpTNzJON215UzhLY3RwWjdB?oc=5) · American Banker
- 2023-03-04 [Dan Doeden Joins Border Bank - InForum](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNV0VPNkZyT3hwUEt1V3B0M2ZSMjI4NGR0YTFCN3g4YWsxMzJrOW9zSE1PWEtSci15RnR6YjRpNWtra1Q4aDB0X2NFRGcxZGcxeGlmMDNUNmN5MTMwNlRBNVlmMkJXQnlIRnFwWHRrbmQtZ1NrU2l6X2tPY0xBMzUxdThxaEdUcVo4YndhdmVCWk5idGdhR2lRRkhOWHU5SWxkY0NQZlIyLWlZRjFwa0dPdzl5TGtoRF90TXVVaEl1dGFET2c?oc=5) · InForum

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20776 (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/40.json (key "20776", 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