# AMERICAN BANK OF ST PAUL
SAINT PAUL, MN · FDIC certificate 20843 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**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 | $312.0M | |
| Deposits | $275.1M | |
| Loans and leases | $170.6M | |
| Total equity | $29.7M | |
| Loans / deposits | 58.86% (p16 of band) | 79.82% |
| Liquid assets / assets | 43.30% (p82 of band) | |
| Uninsured deposits / deposits | 17.58% (p44 of band) | 19.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.33% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.90% (p45 of band) | 10.09% |
| Unrealized securities loss / equity | -1.14% (p3 of band) | 1.83% |
| AOCI / equity | 3.59% (p99 of band) | |
| ROA (annualized) | 1.97% (p93 of band) | 0.88% |
| Net interest margin | 3.22% (p28 of band) | 3.54% |
| Efficiency ratio | 80.30% (p78 of band) | |
| Noncurrent loans | 0.28% (p20 of band) | 0.85% |
| Net charge-offs (annualized) | -0.09% (p6 of band) | |
| Reserve coverage of noncurrent | 1821.10% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 35.56% (p53 of band) | |
| Auto loans | $15,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.3M (8% of equity) (p95 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 158 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | charge-offs p90 |
| 2012-03 | 8 | leverage <5%, capital falling, charge-offs p90, deposits shrinking, assets shrinking | expense ratio p90 |
| 2012-06 | 8 | expense ratio p90, noncurrent p90, loans-to-lenders >50% equity | leverage <5%, capital falling |
| 2012-09 | 9 | leverage <5% | charge-offs p90 |
| 2012-12 | 10 | charge-offs p90 |  |
| 2013-03 | 8 |  | losing money, loans-to-lenders >50% equity |
| 2013-06 | 4 |  | expense ratio p90, leverage <5%, charge-offs p90 |
| 2013-09 | 5 | charge-offs p90 |  |
| 2013-12 | 4 | expense ratio p90 | leverage <7%, charge-offs p90 |
| 2014-03 | 2 |  | noncurrent p90, expense ratio p90 |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 2 | assets shrinking |  |
| 2014-12 | 1 |  | assets shrinking |
| 2015-03 | 0 |  | deposits shrinking |

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

- 2026-05-18 [Biz Buzz: Deerwood Bank's 'nice and simple' model fuels rapid growth across Minnesota - St. Cloud Live](https://news.google.com/rss/articles/CBMiugFBVV95cUxPTk15SlNXcEZJN0g4a0pJY2pqNmtlaVBnTU12STV2cVEwbXBQN0N0eVpDbHRkTV9WOWNzMGZLNTRHTXVNWFFoQ2RkaDh4WFpQeGhCSjJTaXkyZzVjaVFaYnZXcERRcnMyZGZlZVh3TGNELTBUR2ZOelh1RjhNQmpBOGpaU1ZmV0xPRWlFNjFIM1lzZlBha1AxZGxzQTJQTVhiTEQ4cVp4S1BoX0RsYjFiZWszSlNhOEdIc0E?oc=5) · St. Cloud Live
- 2015-07-28 [American Bank of St. Paul's troubled tale comes to a close - The Business Journals](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWTJRZ2RtSmRxQldDZjF2X3hJRFlCYUtaVVlDMmotenJrWXdNSFJXV2tjRUhtLTkwNDNFRE1mMVZycW1MNlA2QWVXS3dwaXBZajN0aFF6RW1qazdXVmxvZlg1aUZBTFllSGFEWTljV0M0SDF6WnlONEtCRHJjdnRPRGxOZmtXbDN2bUV0dFdQdlJyZF9vNDdNSS1HWkY1QldOc2NLclk5QkV1cVlqZVZpZ1Mwd1M?oc=5) · The Business Journals
- 2011-12-02 [Upbeat end to bank loan fiasco - startribune.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9SdTY4MVFOenZ3MEg3cHBQSnFTVnJCaDV6SjZiWkg1OElIXzNoTkRVS3BoSDMtY2hBNDM1enE4aVpQWXJQYWV5bHIxbVc5S3FZaUFsMFFHX0NtRjlXT2txaHg4UzBLekVOYVcwcWpkdFRZNVVWYmFN?oc=5) · startribune.com
- 2016-03-24 [Harting joins Deerwood Bank board - BusinessNorth](https://news.google.com/rss/articles/CBMiwgFBVV95cUxONFg5UnlqUjVqazVtVGNCMTl0aGJHSDFCTkJuQlZwMTFTeWNyZUFCYnY0YUhGSF84OGUwTDV1ajl4Z0ZrTzFYeTVJSmFPU05weEQ0VnJtZzhna3NxNGJ1VUxwb183S0JBR2lES2IzLUc1amtCM09hOS0tdFRJT3EwMzg5YVl1RFFzREc2dHE2clJBOWxKR0FTNGRUYzVfSHpBTXdpZ3JvVmFQMkVTWFF2UHFWUktIVVJ5N2VnaWRuMnNwZw?oc=5) · BusinessNorth
- 2017-11-09 [Plaza Park Bank sold to small Minnesota bank chain - St. Cloud Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZnhIUzA2M0JDV1RVcUZqR0VMNDJTcjFkQmlSOVhxdjEzRDdIdDduOEhTUnp4UnMzZGNKV3VqMU5oQkFONjh0RVZkSXAwNE9LMktIY2I4NU9ROUc2dXpTVXQ4V2IzWmpON19ISHFKcU8tRnFFTUQ4LWVKeUQwQktKa0dQRl92cmZJRzZJZGpKdy1ZTi1Oa0JNVC0tRGlDZ1o1YTAyMlJWUVVKWHRnZ25J?oc=5) · St. Cloud Times
- 2025-07-02 [Highland Bank names Andrew Dahlen president, succeeding retiring Troy Rosenbrook - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZ3pWRHlnbFI0OHlmUlRaMVJudGhTU2tnTDZraTRTMGNsVGVmN1Z6VENoM1dMMnhMVnJrZ1hEaF9vVWRvcXlkby1vNDdBNnZxVFFsNEtiV1BMN3pQYmFIUkZ4WnZUVkVZRDJBX0k3NGxNbVg3dkxVZXdiTzhFdGFFV0p2NzBCNGxzWWI2SXNHNEdPYTJBbk53Zw?oc=5) · The Business Journals
- 2013-04-19 [Just Sold: Buon Giorno Italia’s owner buys building it leased in Lilydale - Finance & Commerce](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQzdoZFRfNWNvbmFEbUJ2azEyRW84bkFLSm02NnhUZkV0QUctWXI0SUhRVFYtcHlMcEdaRnNMaUR1aVczWm9KRE9HdWtWczVYMUpmdGJqZzBVWE43cDlfU2xUNmpkd0pMODJjNlVJdXdmQVJGTmdDVnJzSlF2Tkl6d25fN3FvZm0yTVA1VFk4ZnRxVk5QUXlINmNfZnBQQ1B0WHZVOW9NT1pEZnkySkE?oc=5) · Finance &amp; Commerce
- 2014-04-24 [Ex-American Bank CEO is now at the helm of Voyager Bank - The Business Journals](https://news.google.com/rss/articles/CBMitgFBVV95cUxORE9NbWNNQXNhdGNlbFF2LUFtb0dhRHZ2ckxua21DT1ZWZlUxRzlKaE1tNnY2aHhOVnJCYU5uZ0FmUXBRbFRTelVHbnMxck00cElBVDFBdWQwSjg0dWk3OFpjcnl1MWVBOG1LUXNvRExrdGhobFhrcTh0THFWV3ludjN2Z29pWDBFUU1zajNUWTJkQWVpTURpM21qM3Q0TlIySjNCMTBpZjhZV3BWQzVoWEpKYm9QZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20843 (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/43.json (key "20843", 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