# BCORP BANK NATIONAL ASSN
SIOUX FALLS, SD · FDIC certificate 35444 · asset band $1-10B · latest filing 2026-06 · live

**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 | $9.21B | |
| Deposits | $7.49B | |
| Loans and leases | $7.19B | |
| Total equity | $881.9M | |
| Loans / deposits | 95.15% (p75 of band) | 87.10% |
| Liquid assets / assets | 18.41% (p39 of band) | |
| Uninsured deposits / deposits | 2.84% (p1 of band) | 30.76% |
| Brokered deposits | 1.61% | |
| Wholesale funding | 9.74% (p64 of band) | |
| FHLB advances / assets | 8.08% | |
| Tier 1 leverage | 9.09% (p15 of band) | 10.50% |
| Unrealized securities loss / equity | -0.55% (p92 of band) | -7.75% |
| AOCI / equity | -1.64% (p7 of band) | |
| ROA (annualized) | 2.94% (p97 of band) | 1.26% |
| Net interest margin | 5.49% (p97 of band) | 3.70% |
| Efficiency ratio | 41.28% (p10 of band) | |
| Noncurrent loans | 1.33% (p81 of band) | 0.51% |
| Net charge-offs (annualized) | 1.19% (p97 of band) | |
| Reserve coverage of noncurrent | 66.47% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 2.49% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 739 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, leverage <7%, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 5 | deposits shrinking, assets shrinking | leverage <7% |
| 2012-12 | 6 | leverage <7%, losing money, expense ratio p90, NIM <2.5% | construction >100% equity, deposits shrinking, assets shrinking |
| 2013-03 | 6 | capital falling | expense ratio p90 |
| 2013-06 | 4 |  | losing money, capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 | capital falling, losing money | brokered >10%, wholesale funding >15% |
| 2014-03 | 6 | leverage <5%, construction >100% equity | losing money |
| 2014-06 | 3 | expense ratio p90 | capital falling, leverage <5%, construction >100% equity |
| 2014-09 | 4 | reserve under noncurrent |  |
| 2014-12 | 6 | brokered >10%, wholesale funding >15% |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 7 | noncurrent p90 |  |
| 2015-09 | 8 | losing money |  |
| 2015-12 | 7 |  | losing money |
| 2016-03 | 10 | losing money, deposits shrinking, assets shrinking |  |
| 2016-06 | 11 | capital falling |  |
| 2016-09 | 9 |  | leverage <7%, capital falling |
| 2016-12 | 9 | uninsured deposits >50%, leverage <7% | deposits shrinking, assets shrinking |
| 2017-03 | 6 | capital falling | NIM <2.5%, expense ratio p90, losing money, uninsured deposits >50% |
| 2017-06 | 5 | uninsured deposits >50% | leverage <7%, capital falling |
| 2017-09 | 6 | expense ratio p90, deposits shrinking, assets shrinking | noncurrent p90, uninsured deposits >50% |
| 2017-12 | 4 | uninsured deposits >50% | expense ratio p90, deposits shrinking, assets shrinking |
| 2018-03 | 5 | capital falling, noncurrent p90 | uninsured deposits >50% |
| 2018-06 | 5 | uninsured deposits leaving | capital falling |
| 2018-09 | 5 | uninsured deposits >50% | uninsured deposits leaving |
| 2018-12 | 7 | deposits shrinking, assets shrinking |  |
| 2019-03 | 5 |  | deposits shrinking, assets shrinking |
| 2019-06 | 4 |  | uninsured deposits >50% |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | noncurrent p90 |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 4 | uninsured deposits >50% |  |
| 2021-03 | 3 |  | uninsured deposits >50% |
| 2021-06 | 4 | uninsured deposits leaving |  |
| 2021-09 | 5 | deposits shrinking |  |
| 2021-12 | 4 |  | deposits shrinking |
| 2022-03 | 6 | deposits shrinking, assets shrinking |  |
| 2022-06 | 3 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | wholesale funding >15% |
| 2023-03 | 2 | uninsured deposits leaving | brokered >10% |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2025-06 | 2 | reserve under noncurrent | capital falling |
| 2025-09 | 3 | uninsured deposits leaving |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## 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=35444 (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/52.json (key "35444", 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