# GREAT PLAINS NATIONAL BANK
BELFIELD, ND · FDIC certificate 3898 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $217.1M | |
| Deposits | $193.3M | |
| Loans and leases | $124.8M | |
| Total equity | $23.2M | |
| Loans / deposits | 64.57% (p44 of band) | 68.03% |
| Liquid assets / assets | 38.06% (p54 of band) | |
| Uninsured deposits / deposits | 28.97% (p92 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.15% (p40 of band) | |
| FHLB advances / assets | 0.14% | |
| Tier 1 leverage | 8.66% (p19 of band) | 10.34% |
| Unrealized securities loss / equity | 1.01% (p78 of band) | -0.15% |
| AOCI / equity | 1.01% (p60 of band) | |
| ROA (annualized) | 2.31% (p96 of band) | 0.74% |
| Net interest margin | 3.60% (p51 of band) | 3.59% |
| Efficiency ratio | 38.50% (p1 of band) | |
| Noncurrent loans | 0.96% (p51 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 25.24% (p63 of band) | |
| Auto loans | $2.7M (2.16% of loans; DQ 2.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2014-03 | 2 | capital falling | NIM <2.5% |

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

- 2022-05-18 [Great Plains Bank Finances Local Community Resurgence with Jack Henry - financialit.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNGJpQW1JajlwaUg5VENqTDAwS3Z6bjNPM3Qwb3ZJYVdXVlVhMHFNNVVjSGhWLThzdk1yY2JwYmpDbzdyR2hfUkxuRHZ6SEZNdmFodTlfemktNTN6eHVkQng5cEVwN3luSDhHYWFhaE10dnI0dmlZRU44ZnhrNlRyVUtPdE00Zm41R1U5RzlFelNPTS1ybUJIbm12eXpDSDV2SnFJ?oc=5) · financialit.net
- 2018-05-21 [Great Plains National Bank announces merger with Liberty Federal Savings Bank - Enidnews.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQTTNBM2RMeGNQOUtYV1RyMC0tc180angwZHc4TlVLVTB3cEdVT1hncmotek01bVhwVnZyRldJRWFBYWptNlBzTFFGT29fOG5tcnhoU1hWWlUyQ0kxN0ZackNFZDRaTE9uRlR5MWFOMFdNc3VOb2tEanViZzRzRjlZTkU4U1c2ck95RlhnNWVfaWxEY0NvdG9iMmFPaEtRRXB3bjZaZGJJcE0wUUxyb045UVI3eVNVbWhXMWdVYkNmTFp1czhMdV8xMlJfcDN6bkRwN1dubi16SnV4M3VLR2tRaU5XeGtSd0pSc0J2bmdTRHVGYzlpdzBYSmlR?oc=5) · Enidnews.com
- 2017-03-14 [Wolfram Wald Obituary Mar 14, 2017 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE1ua21vczEtam9VeXZNYjBXMzRNbUhJdGN0aVY4UldJcnluUld4UWNkd3ZkM1N2S1hob0t1WjlmNDNSQ2dJdkl4emJQeTk4U3BwVFFaRzRpUld0aW1fWi1LWklhLWpZSVdjLTU2QQ?oc=5) · Stevenson Funeral Homes
- 2025-12-16 [Oklahoma's Armstrong Bank pushes into Dallas - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdVpkdUY3M0szZHhKZGthejFRN2RBT2RwYXBzS1FHcjRZOWJoa1cya294bjlGSVNXUkVPNTFTdDBJOWVwb2tCU2xwUV9RUHFUMkVoc1k1MmxvdGRZSl9oY0xnNFFSX0VtY0xGY1plWkxSbUZYc2I4c1pJa0JGZzRUWnlpNGJ3bEtHSHBJQWxkd084czg5eGQ0YnZEa20xMlY5NUlJQlQtVQ?oc=5) · The Business Journals
- 2013-11-24 [Peter Savino, 48, Regional Sales Manager - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxOUURGbGtUVVJFUUdldG1LQnpKWnktcDBteENlQktWY0paVmo1b2lEYncyYU5mNERRemkwTFZBaE1JR0JoVmU3d1VHSEQyOEtqZGl2TGFVV3QyV3BCdVhKMjNLVXlRbXFSQXZKQ21Hclg3WkhJYXpiOHJpczNCYXlrOEcydjhfNGw0eDRDbmo1TFJNODJMUHI5UVRjQ2M?oc=5) · Patch
- 2014-02-22 [AROUND TOWN: UND watering hole goes under - Grand Forks Herald](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMGZYWnZxWHh6WXdDMXBjeG5JdVVsYmkweWhpNEFGVDllUm9ZREJ5Sjd2MjJaYW1VTGZKVzFVNWxXNEMwS0c4Q1Btb09ORVhRaV9ldEhfRXdlMURJbUFnSkFmZDVNZVNxYTRUS1VURmhnNkZEaWVZZnlIVVZUNUN3c1JyWmFpWVUyS1E?oc=5) · Grand Forks Herald
- 2011-06-21 [Adams, James plan wedding - thedickinsonpress.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE1SRHY0dU1zNnI3Tk1jR3JTcUFRcGVaZUZNUzVXZFhXSUdvdXh4dEdqdTk1aXZXblJiS2VhcnE0ME5vYnFfYW1PYk92a2Frbk5fMUI1cWpmemhTeHRTWGQwRXdzUjNCdzh5RXZDRlQwcTk?oc=5) · thedickinsonpress.com
- 2026-03-24 [Barton Russell Kirchoff Obituary (2026) - Hollis, OK - Harmon County Funeral Home - Hollis - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxObHpnSmtPWmszdEJaclgwTktNTjMxT1FucmdCcHBQcVZEbHBCOWpGeXEwSTh2ZXp2ZVd2QWFyOWRsTVRQcUU3VkI3ZGxQaXB4YTZyV3pta0JXZWJXbUpFZUY0ZV92T21IN1ZZLU5VQXR0U1FkbGtZWlU2QklBM1RvOFhocjA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3898 (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/58.json (key "3898", 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