# MIDCOUNTRY BANK
MINNEAPOLIS, MN · FDIC certificate 28865 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.07B | |
| Deposits | $835.8M | |
| Loans and leases | $737.2M | |
| Total equity | $133.4M | |
| Loans / deposits | 86.63% (p49 of band) | 87.10% |
| Liquid assets / assets | 26.00% (p67 of band) | |
| Uninsured deposits / deposits | 26.41% (p35 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.45% (p59 of band) | |
| FHLB advances / assets | 8.45% | |
| Tier 1 leverage | 13.00% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | -10.38% (p39 of band) | -7.75% |
| AOCI / equity | -1.39% (p10 of band) | |
| ROA (annualized) | 1.03% (p32 of band) | 1.26% |
| Net interest margin | 3.97% (p67 of band) | 3.70% |
| Efficiency ratio | 61.72% (p59 of band) | |
| Noncurrent loans | 0.90% (p71 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 197.54% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 14.33% (p13 of band) | |
| Auto loans | $370,000 (0.05% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 3 | losing money, expense ratio p90 | charge-offs p90 |
| 2013-09 | 1 |  | reserve under noncurrent, losing money |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 1 |  | loans exceed deposits |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 4 | losing money, reserve under noncurrent |  |
| 2016-06 | 3 | charge-offs p90 | capital falling, losing money |
| 2016-09 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2016-12 | 3 | capital falling, charge-offs p90 |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, charge-offs p90 | expense ratio p90, capital falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | expense ratio p90, deposits shrinking, assets shrinking | brokered >10% |
| 2018-06 | 5 |  | charge-offs p90 |
| 2018-09 | 3 |  | deposits shrinking, assets shrinking |
| 2018-12 | 6 | capital falling, NIM <2.5%, reserve under noncurrent, deposits shrinking | expense ratio p90 |
| 2019-03 | 5 | brokered >10% | NIM <2.5%, deposits shrinking |
| 2019-06 | 4 |  | capital falling |
| 2019-09 | 3 |  | brokered >10% |
| 2019-12 | 4 | deposits shrinking |  |
| 2020-03 | 5 | expense ratio p90 |  |
| 2020-06 | 1 |  | wholesale funding >15%, reserve under noncurrent, deposits shrinking, expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 0 |  | loans exceed deposits |
| 2021-12 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2022-03 | 3 | brokered >10%, uninsured deposits leaving | loans exceed deposits, capital falling |
| 2022-06 | 2 |  | uninsured deposits leaving |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | charge-offs p90 | capital falling |
| 2023-06 | 2 |  | brokered >10% |
| 2023-09 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2023-12 | 2 |  | wholesale funding >15%, noncurrent p90, reserve under noncurrent |
| 2024-03 | 2 | losing money | deposits shrinking |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 4 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2025-06 | 5 | uninsured deposits leaving |  |
| 2025-09 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2025-12 | 3 | deposits shrinking | reserve under noncurrent |
| 2026-03 | 1 |  | noncurrent p90, assets shrinking |
| 2026-06 | 1 |  |  |

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

- 2026-09-03 [MidCountry Bank names Community Resource Bank CEO as next leader - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVVhkLWcxY29yRUQtOFdUd1c3dmlBV08zSGRsNE5TaFNMT2RUX3duWlZUdlBNdGZrWmQ2SEZtdE5yY0VnSmZDdWRuRS1DbE1mZEFFVlJDbjI0QUlGOE51UTF5dWJsV1N0WmdvdXQ0bG1aMXlmWEt0VEJuSGJ1eFJtZmdwUXNPMGlHVUN2RVFTRU92TlFIUTRUUDdVdzFSMW9zOVNrQXJsaWVvSjA?oc=5) · The Business Journals
- 2026-08-20 [MidCountry Bank employee celebrates 70th work anniversary - kare11.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPLTV4azl2N0pKU2hscFBCZlY0b0k4VzhWZWludm9FNTlXZ1ZhcmdwRnc2TUZlMGdCZ0JOWUNENVUzNkd1ZkRYY2RzSmdvVWlWcFhNR2NBYTlRQ1BCWTM0NnAxOTNUZllJVDdGVHc3NWNlRTFCd3hYLUl2cXRNZzlfOFp6ZVUxTWJrYUtGdi1FbF9uZ1hTMlN1WGFMMGJ1NFlnVUg4anlNQlFxejg3aEw2SUNvTEZoS2loVUh0T3FlMTBsRG9JdEJQSjJvd0xnNy1VVHc0M1Fn?oc=5) · kare11.com
- 2026-06-09 [MidCountry Bank CEO to retire after 16 years leading Bloomington lender - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUDZMOXVWZm5HVWZkZEc3LU1WbWp5eGZpZk41d0pDUHFXWjFTMmJudDcxRnVEWllRZjNHWmJaNS1ObHNSYTBPaXVFbFZKZ2daenZRVTZFSmtTSDJvaHNyOUJ3STRrLU5zRnpGallheFc3VTRuYkZqWDdSTjRpb1dDXzVNcUZCcmFRX1JfX0lydmIxSzhKZlU1ZUh0NUZ5ZzUyUVFv?oc=5) · The Business Journals
- 2024-09-27 [Two small central Minnesota banks merge, increase lending limit to $6.2M - Star Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxOa3ZlZDMwenljTkx2bzVZUEI0b0w5T09xcTJNUlZvcTNRSFdxb3VfUjU0dTRSc0pCUjZYZ3BoN0ZMR19lUFlGTzVSaURKTzdSNUhlYUpEWWJDNTFIb1VLeGl3d0ZLaVJfTmJFdzNIX3FNOUNMc0VZRUFnRkVrOWo1bHBYXzUtTW5MOE5NUlB2U1RaY1ZENmZMZnBqY2E3VldNREtoY3R2MkhNUm9mNW9uMGpnRG16ZWVRUEE?oc=5) · Star Tribune
- 2026-03-20 [The banking landscape, according to Minnesota banking professionals - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQazhpWW9qZDBCUGF0YnJwSnFJWXA2SnNkUVNSTTczUllubk9ocjNiaVJxUVk4VExBcGFKRWhqblIwd1U1cEh3VEtJUy1lQjN1NzMyeVlYRHdVbjFwODA4N0UtU2NpbUNBQ0dreGhzamhndHluQVlLMGhtOHo3aWIzbzVrTWE0d1dCTWVRNllibVpKbjVGcEt3Sm1uNUduZXg0eHY4?oc=5) · The Business Journals
- 2026-08-13 ['I just don’t want to quit': Woman spends seven decades working at local bank - hometownsource.com](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQeXg4RkRmbVJ1czV6ckRybUFOakltUWVBSTlzcXZMWFJyY2VSOHgwQ3FnLTEzRmQ5X1JHeHJ0bnZkMDFsWEZ5akVWSHlPYmxfZi1kRnFwRUZQREtUdmpEWHJhX0hNZWlHanhJcjRRa294NWFKeGZiU2d1a2hXZVVXUERMM0h3MkMxY2VLajJCTUlrYVZJbUVHakVJWDZBLXVMOVZFLXM1WnpzMkJ5QnZtb190RW84b0k1OWI3dlk4MlExaUVoWDFNZ1BKMzRqLUl4Rl80cWExUDd6MHFDTmRPd21hMXdOenlJUVVuaWZSR3hoZ3d5NjZZYUxIdFE5ajlXTjF5cko5U3NNRXM?oc=5) · hometownsource.com
- 2017-02-22 [Legence Bank buys southern IL branches of MidCountry Bank - KFVS12](https://news.google.com/rss/articles/CBMinAFBVV95cUxQRFRFdzJSMTlQbzZEbGQ5UWMtcHJZdmF3RUdfajNXcVdocU0wS0FUM3hRSDBBMzNQQjFwTmhtdEU3U1dwM29wZlhjMVBrSWZycWE0Zk1Uc2drUElFX0laNGxjVFZGeFg3WWUzQndzTzRneUNaOWVsM3Z4SUFlb1RKN3NZZkp0X2Q3MV9BbmMtRGtkd05OcEtBY3g2bUk?oc=5) · KFVS12
- 2009-09-30 [South St. Paul Bank Robbery - fbi.gov](https://news.google.com/rss/articles/CBMic0FVX3lxTE1VcnEySWF1RWxnazNVc292Yk5UZ1JYajRwcmF2UWZOUDg4NVQ4X1hJcjIzNDlqTzdPZFV0WFdua0NyWERlX2tYVzNnbVY5UURnbEk3NUFjU1MweWxiXzU0NnFZZFVqNWNidDFMWl80SWpIY1U?oc=5) · fbi.gov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28865 (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/1.json (key "28865", 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