# ROSEMOUNT NATIONAL BANK
ROSEMOUNT, MN · FDIC certificate 24099 · asset band <$300M · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $21.5M | |
| Deposits | $21.0M | |
| Loans and leases | $12.3M | |
| Total equity | $361,000 | |
| Loans / deposits | 56.29% (p24 of band) | 70.88% |
| Liquid assets / assets | 31.32% (p46 of band) | |
| Uninsured deposits / deposits | 0.86% (p6 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.11% (p0 of band) | 9.71% |
| Unrealized securities loss / equity | 0.55% (p46 of band) | 0.79% |
| AOCI / equity | -1.11% (p4 of band) | |
| ROA (annualized) | -7.23% (p1 of band) | 0.66% |
| Net interest margin | 3.57% (p37 of band) | 3.79% |
| Efficiency ratio | 178.05% (p99 of band) | |
| Noncurrent loans | 7.72% (p93 of band) | 1.53% |
| Net charge-offs (annualized) | 0.26% (p74 of band) | |
| Reserve coverage of noncurrent | 46.72% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 243.21% (p98 of band) | |
| Auto loans | $158,000 (1.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 13 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |

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

- 2011-04-15 [Rosemount bank among 6 seized by FDIC - Pioneer Press](https://news.google.com/rss/articles/CBMiggFBVV95cUxOR3hycm1SVm1Ba3ZEaGxMR2ZmSExvYmJLQ09IRUZHSzlQdGExNTlvcmRuMWIzQVdtbzdHc3B6Z18zV0ZxLTJTR3o0NkRzdE5CdHZYNUhzMk5kUkZiWE1mTU54RmpBdzV6akx4TTJ5ZWZudzNYdHk5akgzQ1pTM3IweG5B?oc=5) · Pioneer Press
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2011-11-21 [Merchants Bank buys former Rosemount National site - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZkEwVi02OGVkOE1CMkQ4TE42SzNGU290NWFHVEZXZEFSM05aQ2l1eGEwN3lCRzJrenJnT0Y4ZWxKR3FTdDB1VFlXRmtuc1hQOXBobV9zaVdNT04tUzZfbXZVaF93c0ZHbzNtTll4MmVEQ2VYNVF6aS1DbjhrY05ZVEdYRkhBQ1BPRGRKbXhzSFpYODd0a09MWHhuekZxa1dURllGYTUtbw?oc=5) · The Business Journals
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2019-01-18 [Eugene (Gene) Gratz | 1936 - 2015 | Obituary - White Funeral Homes](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9wZzVNX1pqdS1kVUF0TlRNZXRHbjJ4OUtkU1JQdjVKTElydmxUNmFqOXRFRVBrbEdMTHBHZkRqZjZhdE5uTzZnaEJfc2wyay1BSnlYQnUwWGxxRU1KamNV?oc=5) · White Funeral Homes
- 2011-10-06 [RiverBank shut down; Central Bank takes over branches in Wyoming and Chisago City, Minn., and Osceola, Hudson and St. Croix Falls, Wis. - Pioneer Press](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQazczVVlJa1pGQ3p4dy1lWHhrSGdFcUp5eENhTEhHS1Njdk9xaUJXSTlhakJqckU5S3J5UmFHRkY2UUc3WTl5WjV3TDFoSDVKbUJGQ0NtMEFaZ3hSaU9Scld2SE1zWi1wXzF2aEY4d1ZPYXcwM1RNaFM2NnpPZ0g2QVg5MVBYSWp6dU16YUpva1lnR1BpTWsxb3YyaWN0X0JHSVFMWmVJR0RBbHFwOFQtRklhMHJROUNFZUU3Tk9BZm5nQmUxYXljSE9RV1o5Y2xBZEdPVFpsbFhGZWtlTHhNTjYxVzh5X1hmRDJEa1JnZTF4NnhGcndFTUxn?oc=5) · Pioneer Press
- 2008-12-10 [Strip club owner admits tax charge in deal that keeps him in business - Pioneer Press](https://news.google.com/rss/articles/CBMirAFBVV95cUxQM0ZFY2pnUlpiTlZwZTRva0swVjRGbFlyNFkzeGd3X3JJNktWdEZjVWw1RzVEejFCTWJ4Q2N4SnVHbjBOSGZhTnFZR0JKYk9OZ2Q2R3BHMlVqY3dtMnEtbXFCVFhRbG5hcmFzS1NicVpvT0RjSEQzdVpoZzcyTjlWaGU4UUVvX3MxVkk0YjlCcTN1Slkwa09OdldqQzBhLUpxQUFnOGRWNDVlWXFf?oc=5) · Pioneer Press
- 2009-08-20 [Former Inver Grove Heights strip-club owner gets prison sentence in ATM scheme — even though he has trees to prune - Pioneer Press](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOU2s1WTMzNzRnNGpKOGpxS0lOelJxXzJ6aW05aE5YREdvaGs1WVktVTNibzhnbVBVdTlpXzVWRmlNV2J5U3BMUHZiLTVOWjZtdi1UMjZvdHZ0RU45TG82TEMwVmJ1WUxrdWFBRUxJWWRYdzRUdkJRQUhZLTRWU0N0YlBDZGxUTllUUFVtWU9nUnRtUnRpbjZ3dGNOQldMTEt4dF9IY1BhMXhNcnVFZW05OTZUMW5feE03QlNrSlV6SGtFV0tnNFB4STZ2WG9nQUdxeDB5dVAxRUZCRGxvOUE5SEIwenlPdw?oc=5) · Pioneer Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24099 (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/35.json (key "24099", 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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