# BANKVISTA SARTELL, MN · FDIC certificate 35406 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *credit-stressed*. 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 | $651.1M | | | Deposits | $540.6M | | | Loans and leases | $589.5M | | | Total equity | $63.6M | | | Loans / deposits | 107.52% (p96 of band) | 82.04% | | Liquid assets / assets | 8.52% (p3 of band) | | | Uninsured deposits / deposits | 34.08% (p77 of band) | 25.97% | | Brokered deposits | 2.30% | | | Wholesale funding | 8.87% (p74 of band) | | | FHLB advances / assets | 6.57% | | | Tier 1 leverage | 9.93% (p32 of band) | 10.81% | | Unrealized securities loss / equity | -2.00% (p79 of band) | -8.10% | | AOCI / equity | -0.24% (p57 of band) | | | ROA (annualized) | 1.24% (p48 of band) | 1.28% | | Net interest margin | 3.81% (p44 of band) | 3.91% | | Efficiency ratio | 53.20% (p25 of band) | | | Noncurrent loans | 2.21% (p90 of band) | 0.43% | | Net charge-offs (annualized) | 0.43% (p96 of band) | | | Reserve coverage of noncurrent | 63.00% | | | Real estate % of loans | 75% | | | Construction % of loans | 41.14% (p48 of band) | | | Auto loans | $2.2M (0.38% of loans; DQ 0.40%, NCO 0.00%) | | | Loans to nondepository financials | $2.3M (4% of equity) (p93 of band) | | | Deposits YoY | 1.8% | | | Employees | 70 | | ## Flags firing in the latest filing - **loans exceed deposits** (`liq_ltd`) - **liquid assets <10%** (`liq_thin`) - **charge-offs p90** (`aq_nco`) - **reserve under noncurrent** (`aq_reserve`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 2 | wholesale funding >15%, charge-offs p90 | | | 2011-06 | 4 | loans exceed deposits, liquid assets <10%, construction >100% equity | charge-offs p90 | | 2011-09 | 2 | | wholesale funding >15%, liquid assets <10% | | 2011-12 | 2 | | | | 2012-03 | 2 | wholesale funding >15% | construction >100% equity | | 2012-06 | 2 | uninsured deposits leaving | wholesale funding >15% | | 2012-09 | 2 | liquid assets <10% | uninsured deposits leaving | | 2012-12 | 2 | | | | 2013-03 | 1 | wholesale funding >15% | loans exceed deposits, liquid assets <10% | | 2013-06 | 2 | loans exceed deposits, liquid assets <10% | wholesale funding >15% | | 2013-09 | 2 | | | | 2013-12 | 2 | | | | 2014-03 | 2 | | | | 2014-06 | 2 | | | | 2014-09 | 3 | wholesale funding >15% | | | 2014-12 | 3 | capital falling, reserve under noncurrent, construction >100% equity | loans exceed deposits, liquid assets <10%, wholesale funding >15% | | 2015-03 | 2 | wholesale funding >15% | capital falling, construction >100% equity | | 2015-06 | 2 | | | | 2015-09 | 2 | construction >100% equity | wholesale funding >15% | | 2015-12 | 3 | loans exceed deposits | | | 2016-03 | 3 | | | | 2016-06 | 4 | liquid assets <10%, charge-offs p90 | construction >100% equity | | 2016-09 | 3 | construction >100% equity | reserve under noncurrent, liquid assets <10% | | 2016-12 | 1 | | charge-offs p90, construction >100% equity | | 2017-03 | 4 | wholesale funding >15%, liquid assets <10%, charge-offs p90 | | | 2017-06 | 3 | capital falling | wholesale funding >15%, charge-offs p90 | | 2017-09 | 2 | | liquid assets <10% | | 2017-12 | 3 | liquid assets <10% | | | 2018-03 | 3 | wholesale funding >15% | capital falling | | 2018-06 | 4 | reserve under noncurrent | | | 2018-09 | 3 | | reserve under noncurrent | | 2018-12 | 4 | capital falling | | | 2019-03 | 2 | | liquid assets <10%, wholesale funding >15% | | 2019-06 | 1 | | capital falling | | 2019-09 | 0 | | loans exceed deposits | | 2019-12 | 1 | capital falling | | | 2020-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling | | 2020-06 | 3 | wholesale funding >15% | | | 2020-09 | 4 | capital falling | | | 2020-12 | 3 | | capital falling | | 2021-03 | 2 | | wholesale funding >15% | | 2021-06 | 3 | assets shrinking | | | 2021-09 | 1 | | loans exceed deposits, liquid assets <10% | | 2021-12 | 0 | | assets shrinking | | 2022-03 | 0 | | | | 2022-06 | 1 | charge-offs p90 | | | 2022-09 | 1 | noncurrent p90 | charge-offs p90 | | 2022-12 | 4 | loans exceed deposits, charge-offs p90, deposits shrinking | | | 2023-03 | 2 | liquid assets <10% | noncurrent p90, charge-offs p90, deposits shrinking | | 2023-06 | 4 | wholesale funding >15%, capital falling, noncurrent p90 | liquid assets <10% | | 2023-09 | 2 | | wholesale funding >15%, noncurrent p90 | | 2023-12 | 4 | wholesale funding >15%, liquid assets <10% | | | 2024-03 | 5 | charge-offs p90 | | | 2024-06 | 5 | noncurrent p90, reserve under noncurrent | wholesale funding >15%, liquid assets <10% | | 2024-09 | 3 | liquid assets <10% | loans exceed deposits, capital falling, noncurrent p90 | | 2024-12 | 5 | loans exceed deposits, noncurrent p90 | | | 2025-03 | 4 | | charge-offs p90 | | 2025-06 | 3 | | liquid assets <10% | | 2025-09 | 5 | liquid assets <10%, charge-offs p90 | | | 2025-12 | 4 | | charge-offs p90 | | 2026-03 | 5 | charge-offs p90 | | | 2026-06 | 4 | | noncurrent p90 | ## In the news (Google News, unfiltered, newest first; check the city) - 2017-02-08 [BankVista opens in Chaska - Pioneer Press](https://news.google.com/rss/articles/CBMickFVX3lxTE9qVmhIWlpoS3pyNmtCWWlqT1ZmVjlmM1BLcGRHM2hSWl9zQmx2MWhSaEE1Y2xrQ3hWZl9zMVNvQUhOOUxVRFNVMkRNZFpCWlhRME1vTV9tTnN2WWcwREFWak5qZXVHVjhqcW9NWmhOb1N1dw?oc=5) · Pioneer Press - 2014-12-23 [Closed Northern Star Bank had problems back to 1999 - St. Cloud Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxNak9VRXhzb1g2ZXVyQ21lcUpsWFZrR0p3Nk5MSTRna1dkN25OWnZQQ096SFlqNjZzM2tuUVFmWmRzcThSVkhQa01yWGozZ2RzTFR6amhNZHo3RkFnWVBFMy1vRnZ4QTJacG5kanlvQVRhbEp1aGlZY2c5WjFmSXVMMkdaMVBlRlN5dzdVanV5Zl9vSjdoejdUS1dUV20?oc=5) · St. Cloud Times - 2020-02-20 [Conrad Freeman Obituary Feb 20, 2020 - Pedersen Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9nd3FtWFo1X0YzNUMtTHFVNFdtUnk0MzlhWDJmcEUzOGRoZ0pfaFgtWWJmNENONEt1LWJfM05pa2l6Nmt5NDMxM3pESTgxdDJGQWlHUzBfdzc0aXFlaTVXZXdR?oc=5) · Pedersen Funeral & Cremation Service - 2025-02-08 [New building for BankVista - Pioneer Press](https://news.google.com/rss/articles/CBMic0FVX3lxTE9qdEtubnVWVkdFWVQ5YXhFSHFwQ0VhMU1oVEpDZFhuWjcwbE13aXdmQ1Mwc0hpVWlEbXFGS3diRU1fVlo5WktYVHdpdmM0Ul9SY1dmbk9KYnpHTHhMMWdNWWtWc1FNQkhodHBkbUtRY2FfNWs?oc=5) · Pioneer Press - 2018-09-16 [In Business: Catholic Charities welcomes new Director of Supportive Living Service Program - St. Cloud Times](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQSXdqM3FvNDZHaDJsRGlsLVRqdW5iSi1Sd2FKQl9yYUhxeTBXbUZILUZNQ1RqSXMxclk0eWpYbG4zYm9ZVFpUX0FOQ01QOGlYV3VjMzBTdjZSMXU2bkxfdHN2QzBvZU9mdDZybHg3RkVodWJsVlQ0S3J0UFF0ZllPamowTkFjV1ZBbzhMX1V6aVZ5bnZXcFhpOFlQOFZ1V2VybG0xNkJlWUpyclh1a1lWa2lpZzJEdWV6VnhJVk9uUGlBNU5GeDU2QUprUXQ0M0RDWkpBNEo0aGRTdTBTWi05c29BYU0?oc=5) · St. Cloud Times ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=35406 (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/14.json (key "35406", 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