# CROWN BANK
EDINA, MN · FDIC certificate 35480 · asset band $300M-1B · 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 | $402.0M | |
| Deposits | $332.8M | |
| Loans and leases | $306.6M | |
| Total equity | $32.7M | |
| Loans / deposits | 91.02% (p73 of band) | 82.04% |
| Liquid assets / assets | 21.18% (p35 of band) | |
| Uninsured deposits / deposits | 58.35% (p98 of band) | 25.97% |
| Brokered deposits | 7.19% | |
| Wholesale funding | 15.00% (p87 of band) | |
| FHLB advances / assets | 7.81% | |
| Tier 1 leverage | 8.43% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -11.82% (p39 of band) | -8.10% |
| AOCI / equity | -0.57% (p38 of band) | |
| ROA (annualized) | 0.45% (p10 of band) | 1.28% |
| Net interest margin | 3.14% (p14 of band) | 3.91% |
| Efficiency ratio | 74.58% (p82 of band) | |
| Noncurrent loans | 1.15% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.25% (p93 of band) | |
| Reserve coverage of noncurrent | 104.87% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 56.03% (p61 of band) | |
| Auto loans | $780,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.3% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | liquid assets <10%, losing money |  |
| 2011-09 | 3 | capital falling | reserve under noncurrent, liquid assets <10% |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 6 | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 |  | liquid assets <10% |
| 2012-09 | 4 |  | uninsured deposits leaving |
| 2012-12 | 6 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 3 |  | losing money, capital falling, uninsured deposits leaving |
| 2013-06 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | deposits shrinking | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent | charge-offs p90, deposits shrinking |
| 2014-06 | 3 | charge-offs p90, deposits shrinking |  |
| 2014-09 | 0 |  | reserve under noncurrent, charge-offs p90, deposits shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | charge-offs p90, deposits shrinking |  |
| 2017-06 | 0 |  | charge-offs p90, deposits shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | deposits shrinking, assets shrinking |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking |
| 2018-06 | 2 | losing money, expense ratio p90 |  |
| 2018-09 | 6 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2018-12 | 8 | brokered >10%, wholesale funding >15% |  |
| 2019-03 | 7 | losing money | loans exceed deposits, liquid assets <10% |
| 2019-06 | 6 |  | uninsured deposits leaving |
| 2019-09 | 4 |  | deposits shrinking, assets shrinking |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 | capital falling | expense ratio p90, losing money |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | loans exceed deposits | capital falling |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 4 | charge-offs p90 |  |
| 2021-09 | 2 |  | capital falling, charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 5 | uninsured deposits >50%, AOCI drag >20% of equity, run vulnerability | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 6 | loans exceed deposits, reserve under noncurrent | capital falling |
| 2023-09 | 5 |  | loans exceed deposits |
| 2023-12 | 5 | loans exceed deposits | reserve under noncurrent |
| 2024-03 | 3 |  | uninsured deposits >50%, run vulnerability |
| 2024-06 | 7 | uninsured deposits >50%, run vulnerability, noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 6 | capital falling, charge-offs p90 | loans exceed deposits, uninsured deposits >50%, run vulnerability |
| 2025-03 | 6 | expense ratio p90, NIM <2.5% | noncurrent p90, charge-offs p90 |
| 2025-06 | 5 |  | NIM <2.5% |
| 2025-09 | 7 | uninsured deposits >50%, noncurrent p90 |  |
| 2025-12 | 5 |  | capital falling, noncurrent p90 |
| 2026-03 | 4 | charge-offs p90 | brokered >10%, expense ratio p90 |
| 2026-06 | 4 | deposits shrinking, assets shrinking | wholesale funding >15%, reserve under noncurrent |

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

- 2025-11-06 [2025 CFO of the Year: Jackie Herman, Crown Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNenZkNElISVQ3QUdfaFZUdWhldDFjMHd2MHByd0VYUTBoV1hLcWU3cTNadEdXU1NWbFNQa0t6T3FkcEtKOFNmMjhnMHRLSjVnZmUtbmUzU2JzVGN2cUswb09NUUZlZ2xsWHd0aTBCMHFCdjhwQ01fYmhNSkFRRDk4Wk9obTlqSWhXQTFNQkFiZ2xkUWkyWmFaNmFPeTR3WmNaYnU4S2hUN1g?oc=5) · The Business Journals
- 2018-11-11 [Crown Bank sues ex-CEO, 2 other bankers who left for rival Tradition - Star Tribune](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNUpweWlYdHZrSVpCM0Zhd3Z5aE41Z0JZWW1MUVJQdVk2OHZVWmdiRzlrTlJkRE9ZbjR0bEhMOEFWdHd1WkJqWlprTVpjQ3U4a2RpS2tDT2hpZzhmd19rd0Q0YnZMOXlCbENYRlh1UHhKUkhIby04aXFhMi13Q2w4anJtMTJ5Ry1ybDM5ckV6XzVEZjFoeEhfV1p0eWxMSFVqcDNhZFVGY2o?oc=5) · Star Tribune
- 2020-07-28 [Edina-Based Crown Bank Named Industry Top Loan Producer - PR Newswire](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUTdtaXBnWHhLemxOeW1tSTcxQjJ5X2ZuYmJCdmdEaVhHYnNmVldCR2RHQ0xvTFFqc3BMZW5abkV0Sy1jVjlYeE83V3lYZjhVb3hEeEk2NVYxcEpIUURaNExKS0tDaTJ3Ylo4WHNoaS1yU2JVNTRRUnpQUXV3WGlTQ1BHVGk1VnJPWS1qNDdOeVA5b3IwSGNlSkdUVjY2LWtieFJUY29KaVhNeUw5SF93VQ?oc=5) · PR Newswire
- 2024-12-17 [Thomas "Tom" Herbert Healey - View Obituary & Service Information - washburn-mcreavy.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBlTWdIczA3TWxmQXlzQmN4VEJGMmlLWDk5NzQwblo2NVh5eUs3d0QxSHFkUjkxT3Q0eU44UjdqN2VpWml1TFV5YUpjbXBLQV9xeEp3aHNVcTQ4bTNucU9kSWN1Zld6VHpRVExyOThVdw?oc=5) · washburn-mcreavy.com
- 2020-07-23 [Former Crown Bank CEO pleads guilty to wire fraud, filing false tax return - Bring Me The News](https://news.google.com/rss/articles/CBMitgFBVV95cUxPZ1Z5ZUx2ekVZVnRZZXBycFp6bW9OMjgzYk1BVkZTNlBfQ19xaG50UFU2eFZDdXF4YTlWTlhoX3pjaTFPVWd0c2VhVU5aNENsVzJtSmRWaEMwa1ZOcU0xM21uQk1lZGtkZ2o4Tk41SEFYclR5NExDb0ZCQ0ZmQVc1Vm9SMjRDLVUyOW1wNHdzeWFRZTZTSDc1T3NnREpJMXZFeWpRaTVScWpHZ1lBVUtDWUsyT2Zndw?oc=5) · Bring Me The News
- 2023-10-26 [2023 Fast 50: First-time honoree Crown Bank lands at No. 42 on The List - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxORWJuLXJvTjVnaXo3TVZ1aG02RVBSMmtXLTh3M1ZwQllSVFBaS0lMN3lKMzc5OUtyT3V0bU51SGNTbzFIc2plWFAwaVRsbXNzLVJweGF0bHNacDZUbndsbE55aGxXeHo3ZXBLS3A4OU5XNmFEVUd5QjBRdURHaUpxcG5UdUVfMEFsOWNZTThlTXNPU0d0RW85RA?oc=5) · The Business Journals
- 2020-07-21 [Former Crown Bank CEO pleads guilty to using bank funds for personal use - Star Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxPXy1mT3ExSmpab0doYWxtbHZTZ3ZSZTk0blROY1cwVVNPRDlvelgwSng2c0h2VkNfQlU1MUVNMjFIVzkwWE11N3dYSWVsWVhISVpKNlV0ZzlQVW5Cb05WbzYxWDdFWk1uSFZFeDlCS3piVFlkZlM4d3IyYVJIei1qZmhrdHB2dUtzS2RDaXp2SXZPV3RPdEdJWmxLNzU1RHJucGlySXk5T3A5WU9GTDVV?oc=5) · Star Tribune
- 2024-12-20 [Crown Bank founder Thomas Healey dies at 86 - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeXZHMThsSlZSQnFsRTU2OGxhOTNGOGFmYVlmcjJNWmRidHR3bzJsb3RKNzNNV0t3MnNBdXF3ekZ2SGtadmhYRUNHOC1ic21LTTdFV2Rua1V5ZkR5cERsVlJOeTh4M1lrWDFDaDFtbjdlMHlGdnE0X0tPbV8waXE5SDdMZHZ0cTMwbFFTSGVobEpWSFpKUF9N?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35480 (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/24.json (key "35480", 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