# LIBERTY BANK MINNESOTA
SAINT CLOUD, MN · FDIC certificate 26891 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $290.2M | |
| Deposits | $262.9M | |
| Loans and leases | $137.3M | |
| Total equity | $26.9M | |
| Loans / deposits | 51.69% (p21 of band) | 73.59% |
| Liquid assets / assets | 46.32% (p73 of band) | |
| Uninsured deposits / deposits | 9.14% (p11 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.90% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -45.50% (p7 of band) | -6.57% |
| AOCI / equity | -3.79% (p3 of band) | |
| ROA (annualized) | 1.04% (p42 of band) | 1.17% |
| Net interest margin | 3.16% (p17 of band) | 3.93% |
| Efficiency ratio | 74.00% (p69 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p64 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 17.73% (p50 of band) | |
| Auto loans | $2.6M (1.86% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | expense ratio p90 |  |
| 2012-06 | 0 |  | expense ratio p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | losing money, expense ratio p90 |  |
| 2020-06 | 1 | capital falling | losing money, expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | uninsured deposits leaving |  |
| 2022-09 | 3 |  | uninsured deposits leaving |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2025-10-10 [St. Cloud National Bank's Transformation Into Wells Fargo Through The Years - WJON](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5YSTNWRmxpd011bFVxYk52OExMaXBJemdSZWp4bnY3Yl9KaW9TUFVramFDTGxhT1F4NGotTGZJbEJNRGlmQTJSank5ZlhiRVk4UTFTcmEtcmk0eno4aHVaXw?oc=5) · WJON
- 2023-05-16 [These are Minnesota's strongest mid-sized banks - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNM1hMSXB3b1FRLXVPazlrUmNkeXNmeXJ4eVVFZXY1NjVTNnBSZ0JFNFFEelNKSnFWdVNRcndXN0R4VXZBcG12amNyREo2bFlBZXN2TzBzbTZ6SGxIVGtPQWhIek9vVE15V2otWUhyamVLajMwVG5zUTdhUkFrNGgtOEZFLVVYRkVpeE5QUm9MVDBraEEwQlpoTk1mRXZ0X1RqR2J3?oc=5) · The Business Journals
- 2017-10-16 [Liberty Bank will move headquarters from downtown to Second Street - St. Cloud Times](https://news.google.com/rss/articles/CBMisAFBVV95cUxQaGh0V09DbUJqZ1V3elNLaHRmellzZUFZelZpaUxMN0xRQXhveFRKMEFiZXB0RWhVR0ZPQzRFVDJJQUhuaTA3ODlFSTJOTG9yQmQ4X2hsTzl0cHFkUkpGcXBDQlVPbnUyTGhONGxnWGt4Z2IwcER1SXNPTVdrUUNNd3dNZjhtdzVHZXl6NHlhR2ZRQXEzOTZjaXdVb0NxME1qdHlHN0JzanZBaV92ZEVuNw?oc=5) · St. Cloud Times
- 2023-04-20 [Liberty Bank, Sherburne State Bank named top banks in U.S. - Patriot News MN](https://news.google.com/rss/articles/CBMiogFBVV95cUxObGliY2pmS2s1QmFaVmVWZmRpc1J1YnZRRjZENVpkZmZfQkM2U1BMWFFoSUdyX3dkY2xEeV9qMmZwUDNkU2lVb3Z3UDEyZUl0T1BJSDRlWm9qd1FxZjkwYVd2NFZzMXVXVS1LMk5WeFJXQlZLeEdHOWpiUU1DTFJTeDFPcDhoT3BhZlVVMExmZXV5eDR0bDBMRF9nYUxzWG1rbFE?oc=5) · Patriot News MN
- 2018-12-03 [Liberty Bank's new St. Cloud headquarters makes room for decades of music memorabilia - St. Cloud Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxONXAzS0haQWhaRW5DdkdCaUJCSGhROHRHUnZkcGlGZlVOb1lKUnQwTEx0Z1NwQ3F6MWtrbGVndnRETWp4LTN6RC1STmlaZWNiMkl1Qkp4OVpZb0tVWUxmdGxXSldQVE1McmEwMkw1ekR4LTAzbUQ4ZGhBNlBWS1k1b3llSHJiNDRxMHoxS3ZfX3ZWenNPeS0wQkpFcUxKS3lObGQwVzY1ZEFLR1E0TnNGdGlXR1g?oc=5) · St. Cloud Times
- 2018-11-15 [Liberty Bank Moving to New Headquarters this Weekend [VIDEO] - WJON](https://news.google.com/rss/articles/CBMiggFBVV95cUxPYm5PZFRWRHhoODQtREF2Tkh3N2FVOG9hX0RIdC1UME9OSkJfRUVsc29XekhTdVlnUlZCZ3pCOTBqV1g4UUpqcDkyckFkSzJsWTVUUS1pNHZUTFQtLTFlUmpvT19SYWVuUjU4djJlMHZFa2dMV2pxMGs1TXZ2bEFyM2xR?oc=5) · WJON
- 2018-09-10 [Liberty Bank donates downtown building for children's museum - St. Cloud Times](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPVUNQWnFFQTNpQzBlRUo5c2lzQkxERHdxUnhvZUk2ZHNXa2FRNllhbmgwYU41UXVyYXJObGNvUjVwUmdwbGdGc3JhUEdKaFJWd042bHRLMVBjZU96TkwwOVRhNmpDMld2UFlHQkRMY1ZCTDduaXhnX0F4dDA0Sm9BTHdRSEN2cmhKYXk5QWxEN1l1cnU0X2JIdVFfM0FMZkhISnZ2TlpaYkl5dHk0UG1waVZ1ZzdLdnNMM180?oc=5) · St. Cloud Times
- 2021-05-28 [Liberty Bank Closing Southwood Location to Customers - WJON](https://news.google.com/rss/articles/CBMiekFVX3lxTFB2RDAxalFudV9NVjQzRkNnWVAyby15UGV2N1dWbDJPSG9DdDFKd3JGd1Q5bHByY1V3bTlucUtvem53dG5ETUdkZjQxWTJ6cjNUTGhqdnpsNGpqTWJFc2FSM2xCWDZIYU1nSTdEaUJKTUQtcVFaY3VGeWxB?oc=5) · WJON

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26891 (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/11.json (key "26891", 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