# PRIVATE BANK MINNESOTA
MINNEAPOLIS, MN · FDIC certificate 34144 · asset band <$300M · latest filing 2014-03 · 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 | $142.8M | |
| Deposits | $127.2M | |
| Loans and leases | $102.1M | |
| Total equity | $15.4M | |
| Loans / deposits | 78.39% (p70 of band) | 68.03% |
| Liquid assets / assets | 27.52% (p32 of band) | |
| Uninsured deposits / deposits | 30.36% (p93 of band) | 12.24% |
| Brokered deposits | 2.16% | |
| Wholesale funding | 2.16% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.02% (p61 of band) | 10.34% |
| Unrealized securities loss / equity | -2.48% (p26 of band) | -0.15% |
| AOCI / equity | 0.64% (p51 of band) | |
| ROA (annualized) | 0.57% (p38 of band) | 0.74% |
| Net interest margin | 3.75% (p59 of band) | 3.59% |
| Efficiency ratio | 74.48% (p49 of band) | |
| Noncurrent loans | 2.85% (p82 of band) | 0.94% |
| Net charge-offs (annualized) | -0.04% (p11 of band) | |
| Reserve coverage of noncurrent | 79.52% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 56.15% (p84 of band) | |
| Auto loans | $923,000 (0.90% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 26 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 5 | loans exceed deposits, liquid assets <10%, charge-offs p90 | wholesale funding >15% |
| 2011-09 | 3 |  | brokered >10%, charge-offs p90 |
| 2011-12 | 3 | losing money, charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 | capital falling, losing money | deposits shrinking, uninsured deposits leaving |
| 2012-12 | 4 |  | assets shrinking |
| 2013-03 | 5 | deposits shrinking, assets shrinking | capital falling |
| 2013-06 | 3 |  | charge-offs p90, losing money |
| 2013-09 | 3 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 1 |  | losing money, expense ratio p90, capital falling |

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

- 2025-05-22 [Chase’s new Minnesota HQ in North Loop includes private bank for wealthy clients - Star Tribune](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNRjRKbjFSeVQ1QWdwTFZVWjNNSHNTWTVlaXFDZlJLUERVTVAyck1HTzc2eUUwSkdiNnZzNm81UEVtbUxSdk9COUozUWktalVhSktqYjl3QUo2dDVScHRQLWV2bFhoa1M0bUprX2Q3T2JPRkVKV1k3MlI4Mzl1ODE0aTc3bDA4ZWFkRW5uc1F1YmpBdWF2aW94ZTJHWXFla01TWGR5M0c3NTVWZFo2ejVjYVoxQUVuRURw?oc=5) · Star Tribune
- 2014-03-10 [Alerus buys Private Bank Minnesota as TARP gets more expensive - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxQSWJSMThMSW1jaS1XeGxmVmZHMzZIR1U2c0E4N2I1eXkwRmg4RTA5OTg5NTJFT0Fsdlg1b2ptMjZHOGN0YkxfSmZQdEJYSzlBczBqUGtMcFhmVFpiMVpmMmxCSEFDY1ZacjF5ZEtleDRibWxLZnNyT2c1WEVUd1FDYnhtS1NDc0JRUGxrWFFBLXNWclFlUlljeGI4Rk82dFJwNV8tTEdseGI5OG5NcFk4NXl3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34144 (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/32.json (key "34144", 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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