# INTER SB FSB D B INTERBANK F
MAPLE GROVE, MN · FDIC certificate 31495 · asset band $300M-1B · latest filing 2012-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $463.8M | |
| Deposits | $458.1M | |
| Loans and leases | $395.8M | |
| Total equity | $4.5M | |
| Loans / deposits | 83.25% (p69 of band) | 74.71% |
| Liquid assets / assets | 14.83% (p8 of band) | |
| Uninsured deposits / deposits | 1.25% (p2 of band) | 12.43% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p5 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.97% (p1 of band) | 9.54% |
| Unrealized securities loss / equity | -0.20% (p6 of band) | 3.32% |
| AOCI / equity | 1.18% (p94 of band) | |
| ROA (annualized) | -2.45% (p1 of band) | 0.80% |
| Net interest margin | 3.38% (p32 of band) | 3.67% |
| Efficiency ratio | 74.74% (p68 of band) | |
| Noncurrent loans | 7.63% (p91 of band) | 1.96% |
| Net charge-offs (annualized) | 1.69% (p96 of band) | |
| Reserve coverage of noncurrent | 47.85% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 25.14% (p40 of band) | |
| Auto loans | $5,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | -12.0% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  | expense ratio p90 |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 11 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31495 (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/7.json (key "31495", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide