# BREMER BANK NATIONAL ASSN
FARGO, ND · FDIC certificate 34380 · asset band $1-10B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.73B | |
| Deposits | $1.24B | |
| Loans and leases | $1.45B | |
| Total equity | $173.1M | |
| Loans / deposits | 116.16% (p95 of band) | 84.58% |
| Liquid assets / assets | 12.98% (p10 of band) | |
| Uninsured deposits / deposits | 14.32% (p24 of band) | 23.46% |
| Brokered deposits | 1.48% | |
| Wholesale funding | 19.80% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.97% (p54 of band) | 9.78% |
| Unrealized securities loss / equity | 3.69% (p88 of band) | 0.41% |
| AOCI / equity | 0.62% (p37 of band) | |
| ROA (annualized) | 1.13% (p69 of band) | 0.93% |
| Net interest margin | 3.79% (p68 of band) | 3.52% |
| Efficiency ratio | 60.04% (p30 of band) | |
| Noncurrent loans | 0.21% (p9 of band) | 0.91% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 609.93% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 87.55% (p93 of band) | |
| Auto loans | $24.5M (1.69% of loans; DQ 0.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -6.9% | |
| Employees | 194 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | loans exceed deposits |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 0 |  | loans exceed deposits |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | loans exceed deposits |  |
| 2012-09 | 2 | wholesale funding >15%, uninsured deposits leaving | loans exceed deposits |
| 2012-12 | 1 |  | wholesale funding >15% |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | deposits shrinking |  |
| 2014-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2014-09 | 4 | uninsured deposits leaving |  |

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

- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in Minnesota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONEVZdDF6MnpjeWpqd2NiNGdSU2U1LUxhZzRhU01NU19hUDBybnZackI0empPNGxIRlktTkNBVTJQajliR083MDRmMVhueWxCUDVka3ZTMHNSRHl0M2hCS1NtWmFhamk4VW5pM1pDbUFDcmVkcmJLNU8yNXU3cmZGamV5dVA2bHc3ekEyVnlGRXE?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in North Dakota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYXUzUzZzRE44MnVPT2FhSHFXc1B3bE1XTGt6dnBxSGx0ckloTUlfWUxsX2pnZzIwQkRhNkkyT040NjZfZ2FWYU9lcU5wZ29jUXB1R1JFeWJPNTlJUVk1LUY2bVJsY0l0dnEzYnA4R2YwNTRTU0pXc1hNMTJpamE0bi15d3NWSy1ZMlRTLUZnY0lDM29I?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34380 (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/12.json (key "34380", 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