# GLOBAL INNOVATIONS BANK
KIESTER, MN · FDIC certificate 5175 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $120.1M | |
| Deposits | $109.4M | |
| Loans and leases | $79.7M | |
| Total equity | $9.7M | |
| Loans / deposits | 72.13% (p47 of band) | 73.59% |
| Liquid assets / assets | 32.21% (p49 of band) | |
| Uninsured deposits / deposits | 32.78% (p86 of band) | 19.81% |
| Brokered deposits | 6.66% | |
| Wholesale funding | 6.66% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.47% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -0.79% (p79 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.17% |
| Net interest margin | 4.16% (p62 of band) | 3.93% |
| Efficiency ratio | 71.29% (p63 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 3158.33% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $146,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.5% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | losing money |  |
| 2012-09 | 4 | expense ratio p90 |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | leverage <7% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2018-06 | 6 | capital falling |  |
| 2018-09 | 5 |  | capital falling |
| 2018-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2019-06 | 3 | reserve under noncurrent | assets shrinking, uninsured deposits leaving |
| 2019-09 | 2 | noncurrent p90 | charge-offs p90, deposits shrinking |
| 2019-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 1 |  | expense ratio p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 3 | capital falling, expense ratio p90 |  |
| 2022-09 | 2 | leverage <7% | NIM <2.5%, expense ratio p90 |
| 2022-12 | 1 | uninsured deposits >50% | capital falling, leverage <7% |
| 2023-03 | 1 | charge-offs p90 | uninsured deposits >50% |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | losing money, expense ratio p90 |  |
| 2025-06 | 1 |  | losing money, expense ratio p90 |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, reserve under noncurrent |  |
| 2026-06 | 0 |  | capital falling, reserve under noncurrent |

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

- 2023-05-08 [Innovators of the Year - American Banker](https://news.google.com/rss/articles/CBMiakFVX3lxTE5vcnpoMk9SSENWSGM2eEw5UVVISWNCOTFFb2tLLXVHN0hfNlkxTks4dkVnT0w2MUVlTVQyOTdQQ1huUmR2dGpQUk43U3JMQ2VlSDBXakVFTzU4OUJ3ZXdIbDcwMEZVT2IwU2c?oc=5) · American Banker
- 2025-10-10 [These are the best promotional CD rates available today (up to 4.75% APY) - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOUDRHai1TWVUzZW12Y0lPR1dzcHNMeW0yNXE5RUxxS3BwTWt0ZENtVWg2amxwSnhYcVpNRXk1TzBZNHB5LTUwWWlMTEFlZktKWVB4Sl80NndIcXUzNDZ6MGpSOEZ4T1hpbk1teEFsQ3F5QU5XWko0MGMtcVA4bUlxT1B5cXRuMkJoQnFPUEVhNkVqYVEtUEIxb3lyWll2QUx5?oc=5) · Yahoo Finance
- 2023-07-20 [The List Of First 35 Approved FedNow Providers - Crowdfund Insider](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdmVoN0lEbkwtcmlfMjEydDFNSVdlRFRiRmtXV0pnU2poTmM0TUo1MFZtU3JQWWRNUkdwcHhhbW12NVA5d2xBT3Y2aURlUGZZZWI3dXpOM2VRMTBxR1I5WXQ2WUFzcjRsSjRoYVlpLTB3eE1sbTlWTHlzV2JkdGprbGUyRU92QWNsZDVFTDBSWWJyUG1vOGg4OUtnNA?oc=5) · Crowdfund Insider

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5175 (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/55.json (key "5175", 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