# FIRST BANK BLUE EARTH BLUE EARTH, MN · FDIC certificate 5097 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $322.7M | | | Deposits | $283.2M | | | Loans and leases | $212.2M | | | Total equity | $23.8M | | | Loans / deposits | 74.01% (p33 of band) | 82.04% | | Liquid assets / assets | 32.16% (p69 of band) | | | Uninsured deposits / deposits | 25.56% (p48 of band) | 25.97% | | Brokered deposits | 1.62% | | | Wholesale funding | 6.17% (p64 of band) | | | FHLB advances / assets | 4.46% | | | Tier 1 leverage | 9.47% (p22 of band) | 10.81% | | Unrealized securities loss / equity | -20.91% (p22 of band) | -8.10% | | AOCI / equity | 1.84% (p97 of band) | | | ROA (annualized) | 0.48% (p11 of band) | 1.28% | | Net interest margin | 2.53% (p3 of band) | 3.91% | | Efficiency ratio | 69.69% (p72 of band) | | | Noncurrent loans | 0.39% (p47 of band) | 0.43% | | Net charge-offs (annualized) | 0.08% (p82 of band) | | | Reserve coverage of noncurrent | 326.46% | | | Real estate % of loans | 65% | | | Construction % of loans | 48.74% (p55 of band) | | | Auto loans | $1.8M (0.84% of loans; DQ 3.93%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 6.3% | | | Employees | 34 | | ## Flags firing in the latest filing - **capital falling** (`cap_falling`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 1 | | | | 2011-09 | 0 | | reserve under noncurrent | | 2011-12 | 0 | | | | 2012-03 | 0 | | | | 2012-06 | 0 | | | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 0 | | | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 1 | capital falling | | | 2014-12 | 1 | | | | 2015-03 | 1 | brokered >10% | capital falling | | 2015-06 | 1 | | | | 2015-09 | 2 | capital falling | | | 2015-12 | 2 | | | | 2016-03 | 1 | | capital falling | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 2 | reserve under noncurrent | | | 2017-06 | 2 | | | | 2017-09 | 2 | wholesale funding >15% | reserve under noncurrent | | 2017-12 | 2 | | | | 2018-03 | 1 | | wholesale funding >15% | | 2018-06 | 0 | | brokered >10% | | 2018-09 | 1 | capital falling | | | 2018-12 | 1 | | | | 2019-03 | 0 | | capital falling | | 2019-06 | 0 | | | | 2019-09 | 1 | capital falling | | | 2019-12 | 1 | | | | 2020-03 | 0 | | capital falling | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 0 | | | | 2021-12 | 0 | | | | 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity | | | 2022-06 | 2 | | capital falling | | 2022-09 | 2 | | | | 2022-12 | 2 | | | | 2023-03 | 3 | NIM <2.5%, deposits shrinking | AOCI drag >20% of equity | | 2023-06 | 2 | | deposits shrinking | | 2023-09 | 3 | deposits shrinking | | | 2023-12 | 1 | | securities losses >30% of equity, deposits shrinking | | 2024-03 | 3 | securities losses >30% of equity, deposits shrinking | | | 2024-06 | 3 | | | | 2024-09 | 2 | capital falling | securities losses >30% of equity, deposits shrinking | | 2024-12 | 3 | securities losses >30% of equity | | | 2025-03 | 2 | | capital falling | | 2025-06 | 3 | uninsured deposits leaving | | | 2025-09 | 0 | | NIM <2.5%, securities losses >30% of equity, uninsured deposits leaving | | 2025-12 | 0 | | | | 2026-03 | 2 | capital falling, NIM <2.5% | | | 2026-06 | 1 | | NIM <2.5% | ## In the news (Google News, unfiltered, newest first; check the city) - 2024-12-22 [From garbage hauling to a bank president - faribaultcountyregister.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQalI5c19wOEk1bDBKZmpabVhjU2dxeEV2N1k1ZXRHbGc4bjctQXlxOEFYRzdkVHRTTXZPZnExRjN1YW1mZEVSRElXXy1zX2YxRklKY2plajltWXdWNGQzMEZnRVRtcG1FVEZrSXRIOWtVb053NUVReWV2MmFmTFJxOFVrZnlTbzBhX3dXb3pkeFkwd0RKbTBVVS1WV1c0aVZUNGxyQlJwc1ZzcmtI?oc=5) · faribaultcountyregister.com - 2025-06-15 [August “Augie” Arthur Williams Obituary Jun 15, 2025 - Macken Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMidkFVX3lxTFBfZ1ByZDdRb3dMV3pxTUVVT09aODkySURUZ1Q3UEI1MVFJTExrbXRHOWphT1Y2LV9Kdi12RkdYUjRDanpjdUJNTVREQ3FfNlhrNWNqM2NWR2tuTzdEdnZYNlJwdFZ3ZnQtMVlBWjVzekEtU19YX0E?oc=5) · Macken Funeral Home & Cremation Services - 2026-07-31 [HeavyLite Trailer litigation grows as legal claims continue to mount - Mankato Free Press](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOZDYwbkhBcVRiUDJqWTNYdWp1WlFndWxoUTFoU2dnVlFINVVncF9IV09BUGJicVRhYjlUWXZQZDZieTgxUEk2T3Mxd1pFVU1kM3FEWkVsSlZXUkhBTFVvZnlia0VxTGZlbzNjS3dENjFfeVpLaWFPOFMwTFlzbTV3ZkV4bUlqNTY3V21wUFpKeUkzU2dvUl9XbXFWdm9STEVzMzVfdFl1azFRaFNyaEpkY0dCcmhDS0tTc0k3SlJDM2VjSjMxaEUybllZRzhhdk1KTnFuOE05c291ckVzYTJnNFhDVHo2Q0tGVDVZdUhNTy0zT3J6WjEzel81UQ?oc=5) · Mankato Free Press - 2023-04-20 [Obituary information for Eunice J. Barke - Lakeview Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxNVWpudE9RaFFmc0R6QktSemt1Z25JVFZQY1RtT2VLMTA3MFJVa3EyQ2dMM2kwSkh1TEhwR2tUWl9vV2ttdHlSVHQ2SnIzTXV3d0FFT1g4MU9iQ0J3UUNOVG9UWFpXNmp5SXlxM2pMa2wxMHFWY2ZUY29jZzdUTS1TRg?oc=5) · Lakeview Funeral Home - 2018-09-08 [Blue Earth Police investigating ATM heist - Mankato Free Press](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNc3djLXBQU1BQY291eTJobjRIWXZwcWlCX2JRTjZhWnF5SlVYWGFLeUZWXzV0WnRrZHZ0YlY0RkVFbnZTQmZEaHI1NktFVERsU0lHY0ZITzM3Z3RMbDhtTHczdmZ2LTlqTEEybDM2ZV9JTXo3OTRjODFIOEN2ZEpLM0FqbEg1RHE4TGpsc1RyM0xYYXlsc1pjS2FRRVB5T1d4c0pfWEswbVZJdS02OUo3amhIWkhnWGNPZDR4bGhFYW9CMEJjUVhpMXZZaEZVYnQzaE54VHRMcw?oc=5) · Mankato Free Press - 2026-05-03 [Breaking ground at Winnebago Manufacturing - faribaultcountyregister.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQSTV6UnRWRUx2dFdiWHA2MkpmNm51dUNiSWVhSktoWDYwYnVZRHBRM3FVem9KRldRMzJXcGN2b2hrSGctSEFGZUc1allTNFkwRE5ub1RhVHRtRHc5bFE3clNvazJQWVJJZlJ3SUxqTFlERGZZa1ZZTjlDY3FrNGk4aWY4emJsZ1lxZVg2VlF6ZHZ1c0VkcVE5dnZmakhteFBmd0o3UHpMTzg4UlVROGtv?oc=5) · faribaultcountyregister.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=5097 (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/41.json (key "5097", 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