# CENTRAL BANK
GOLDEN VALLEY, MN · FDIC certificate 27234 · asset band $1-10B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.24B | |
| Deposits | $1.04B | |
| Loans and leases | $986.4M | |
| Total equity | $170.0M | |
| Loans / deposits | 94.74% (p69 of band) | 86.87% |
| Liquid assets / assets | 11.22% (p8 of band) | |
| Uninsured deposits / deposits | 26.53% (p53 of band) | 25.28% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 2.33% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.53% (p18 of band) | 9.62% |
| Unrealized securities loss / equity | 0.38% (p21 of band) | 1.65% |
| AOCI / equity | 0.40% (p36 of band) | |
| ROA (annualized) | 0.60% (p21 of band) | 0.92% |
| Net interest margin | 4.61% (p96 of band) | 3.47% |
| Efficiency ratio | 71.27% (p69 of band) | |
| Noncurrent loans | 0.36% (p26 of band) | 0.66% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 93.09% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 39.06% (p53 of band) | |
| Auto loans | $1.5M (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.3M (3% of equity) (p84 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 261 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | charge-offs p90, deposits shrinking |  |
| 2014-03 | 3 | assets shrinking |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | charge-offs p90, capital falling |
| 2015-06 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2015-09 | 1 |  | NIM <2.5% |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent |  |

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

- 2026-08-21 [Central Bank allocates R$3.6m a year to AI - Valor International](https://news.google.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?oc=5) · Valor International
- 2026-09-07 [Sri Lanka Central Bank buys US$579mn in August amid rupee appreciation - EconomyNext](https://news.google.com/rss/articles/CBMiowFBVV95cUxPa2lyN0RGUl9ha0xqWkhNTFNCdExjYUpQM25hUFhiLW9nV0NlRk9RVWhqMm9NWF9Ld1FOQ1ZOaFFYSVRlSlN2QnV6bG02NVlVY0luaDQxb2tCWjl5U1NhRTU5b3NHdWlnRWx1OFFzeXZwejZJYlAteFo3MFpQTHZ5VmVVRkM4bDN3Z2JEUU1JdTdwbmw2d1FZWjZhdVBOcUJ3eGk4?oc=5) · EconomyNext
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- 2026-06-25 [UAE fines foreign bank $5.4mn for AML failures - TheBanker.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBMX211UldneTJSZmhEZlJwWm9vZGJndWpTbVNZMlFIZXdSWkdaRndlcUZOVndZU2YwYThNb1hVVmxEdFY0bnc3ZmZtNWJuT2I2dFhJQjNLLWl0YlpDN2Q2VFRnMWZYa0NHMHRRbHdoVHh2ejhHN0k2NEl3?oc=5) · TheBanker.com
- 2026-06-23 [How HSBC ended up at the centre of a $330mn embezzlement scandal - ft.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQSmpPUzBGM01kNDVBVjVBM0JHMWtiVU01V2ZncFlPdUFBLXl5SmlSZFM1S295M00xTGkzWE14Rmp3VWVOQ01IamdYcmNJdzVGTDN1b1QwUFpDS3FNUEpuRGxISmZQYlEwMGhSR3hHel90cFRKdkxCNnFNVU1jY3FZLXRnNGg?oc=5) · ft.com
- 2026-04-30 [Inflation hits 3% in Europe as Iran war spreads oil price shock - AP News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSk5nM0dmN0pLeTEwTDE5N0RjaHgwSXp2QlN5d2VaMnpVOU1RczZHSDVJUVlaMXpDVzdxd19TX3RWU0hzZlRYYkMySVJlVjBIN2M4V3JuSzVhUzZWN3FUVTI2VU55MlQ2QU5RTXJCWEV0N1Z1OWF2RXUwRlU5a2dpVDk3TllGeFZ5NThCd2FPd3dsc3RW?oc=5) · AP News
- 2026-08-24 [Iran central bank chief says currency weakness 'temporary' | Gulf Times - Gulf Times](https://news.google.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?oc=5) · Gulf Times
- 2026-04-24 [Minneapolis campaigners press Swiss National Bank to dump Palantir investment - Reuters](https://news.google.com/rss/articles/CBMivgFBVV95cUxQYV9STHFVTkJGZXI5bExGSElJd1JwRnliazNsTXo2ZElBci13UWRPVlZWUzRpZklibGx6bUlDa3V3V2V3YnprQ0Z4QWh1UHk2SjVUMk9vNDc3VjFfb3plbU9sM0pMeHcyYmw0dnl0TVVrd2UxMUtrOFdRdmw3R1QyVDdHcnlxVE1HUjc4TTFOM3VWWkZ0N0VwQkdzRkhuOEp4ZC0wVmNnV2Z4dkZ5Nk11ZVF0Nm1YdXpNWUhGXzdR?oc=5) · Reuters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27234 (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/34.json (key "27234", 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