# RAMSEY NATIONAL BANK
DEVILS LAKE, ND · FDIC certificate 3914 · asset band $300M-1B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $320.0M | |
| Deposits | $288.1M | |
| Loans and leases | $188.6M | |
| Total equity | $31.3M | |
| Loans / deposits | 65.03% (p40 of band) | 70.32% |
| Liquid assets / assets | 33.00% (p49 of band) | |
| Uninsured deposits / deposits | 25.92% (p44 of band) | 27.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.53% (p42 of band) | 9.86% |
| Unrealized securities loss / equity | -35.53% (p31 of band) | -19.94% |
| AOCI / equity | -31.80% (p25 of band) | |
| ROA (annualized) | 0.98% (p49 of band) | 1.00% |
| Net interest margin | 3.23% (p52 of band) | 3.20% |
| Efficiency ratio | 63.68% (p46 of band) | |
| Noncurrent loans | 0.01% (p13 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 7329.41% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 38.36% (p42 of band) | |
| Auto loans | $348,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |

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

- 2017-09-08 [Ramsey National Bank celebrating 125th b’day - thepiercecountytribune.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPUURoQTN5eDRVeURIR0pST3BtNjNvNzV0WGxUaHhKLW1wQmtzZlpmTVBxTGdzT2QxWVgtd19ZbzdEakZVZTVlb3Nmb05MRVJSaDNVanFVTm5PQzdzSU9OOWttZ2RkVHpZdmRvRXBvYXFwbllzX1dTMkI2OEg4cEFZWDhnLW9MRDdVLU9PQnNpYTVaby1aT3dmVjZBQURiMmZlYnFQTWZETkt0RnFFb0xZZQ?oc=5) · thepiercecountytribune.com
- 2023-02-07 [Devil's Lake Daily Journal - devilslakejournal.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE4xbzlBNDcyM2g1TlYwMFZQZ2lZMnNvOVlpazVwVVhBT1hNOURVVWlmeXpMa1JFdnNxS2psMzVuSDZlbFdiUm5HVDBHMG40aFBhb3VybkFhMi1DcWs?oc=5) · devilslakejournal.com
- 2023-08-23 [MARION A. ANDERSON Obituary Apr 10, 2013 - Gilbertson Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5uZEFoQmh2bUVBcmpXNkdYQUZScHNhUlZOcjVaM2djRU1YYjF2djMyLWJXaDBXaU1NeDBKVzdDRTRlNDcweFpZbWNnQ2RTTThKUUhtSC1FSHE2T1ExMWU2VkIzZFFub0U?oc=5) · Gilbertson Funeral Home
- 2020-10-09 [GF News Forward: Items auctioned from Townhouse Hotel, Red River Land Company has new owner, regional banks merge - Grand Forks Herald](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNUFE1NllUd2Npc3A5YUo2MWJJbzV2VHo3M0xyN3M1US1TRG01TTZFS2NDek9BcUZienFIczllb3hFbjhqRGxsWFZBSDNsZ01iN2ozd0R6NmtveFdGNHBZQkgwM01DcFZScnY1SGY1ZVJ0R2doNmQ5R0NkbUpsM3VoSzJmYXI1OGVHRnZUM0lQQzVrYWRiYzVndi13M1VRbFRNTG1RSk1ieno4OXpEbmtXcFlERmU2Z1lkTU1VLVJPZXhUOHNoanZKWDY1dzgtcW1KSDZDVWxMNkFxWjg3WFlZWGNB?oc=5) · Grand Forks Herald
- 2018-01-20 [Carol J. Olson Obituary Jan 20, 2018 - Gilbertson Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1ROVRCMjNtVl9XeDBYcHd3NGtac1pqb2xiZWprYmFWSGFRNmwwdlhMUGZLT2VqLXJyNFM5MFRKOVpIRjRKRlV2OXM5NGs5akd4ZFJBNXhqTHVsa19WNWpDQktGVU5iUTJVdHowdg?oc=5) · Gilbertson Funeral Home
- 2012-06-13 [Relay raises more than $145,000 for cancer research - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5zVkt5eE9YSjBuTzlaY3hzVXNsTmVENVFvRktILWJqYjlSVmNKclFwZC12TTViaUV1alBlaFpVQ1M1WGlheUYzcmlCcWpya3BYMGhNM0xRdnJIdloxSF9hcFd0dThyVFk?oc=5) · The Columbus Dispatch
- 2023-08-18 [Recipients of the Paul Hoghaug Scholarship Trust announced for the year 2023 - devilslakejournal.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxOVTFlNGJ1d0tIS2J2d2dwOE1pTDBiWnVjOVRNLVFTZWh5bTdmREo2blNPQ2huSFViWm5sOXVsaENZV0dPZGVLZTVlcklBcnluS1pmb3l5X3pmeDVOd3FweWZSYjdWQWp4Z2dtc0hmclh4UTNLWE1OMHRIN2VLSG5PcDZ1NGUwYWVnNnlaNUpVc2RXc2RueVBZZVcxYUEwTFB0NDhaNG1XRnlJY2poNWFrYk9MejVBYlBxVndUN1FaVGY0SVhZNThJ?oc=5) · devilslakejournal.com
- 2014-12-06 [CAROL R ERICKSON Obituary Dec 6, 2014 - Gilbertson Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9CX3lROGZUUWE0a21IdXpzYXlja3BoamgzQ2haZmp4TVNfZFBockhNd0hFV2t2U25OaEc4MDdaQjFIYlYwTVZ5ejB6M2g2OXhEOHg5azRidEFNTl96cUxiQnlaZlRsNEk?oc=5) · Gilbertson Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3914 (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/10.json (key "3914", 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