# COMMUNITY RESOURCE BANK
NORTHFIELD, MN · FDIC certificate 5219 · 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 | $556.4M | |
| Deposits | $471.8M | |
| Loans and leases | $415.6M | |
| Total equity | $63.7M | |
| Loans / deposits | 86.95% (p64 of band) | 82.04% |
| Liquid assets / assets | 20.94% (p35 of band) | |
| Uninsured deposits / deposits | 19.79% (p28 of band) | 25.97% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 3.78% (p52 of band) | |
| FHLB advances / assets | 3.06% | |
| Tier 1 leverage | 10.52% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -7.79% (p51 of band) | -8.10% |
| AOCI / equity | -0.65% (p35 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 4.28% (p72 of band) | 3.91% |
| Efficiency ratio | 54.37% (p29 of band) | |
| Noncurrent loans | 1.09% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.28% (p93 of band) | |
| Reserve coverage of noncurrent | 120.57% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 30.91% (p38 of band) | |
| Auto loans | $547,000 (0.13% of loans; DQ 0.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | uninsured deposits leaving |  |
| 2022-09 | 0 |  | uninsured deposits leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | deposits shrinking, assets shrinking |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2025-03 | 3 | charge-offs p90 | deposits shrinking |
| 2025-06 | 0 |  | loans exceed deposits, uninsured deposits leaving, charge-offs p90 |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2026-09-03 [MidCountry Bank names Community Resource Bank CEO as next leader - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVVhkLWcxY29yRUQtOFdUd1c3dmlBV08zSGRsNE5TaFNMT2RUX3duWlZUdlBNdGZrWmQ2SEZtdE5yY0VnSmZDdWRuRS1DbE1mZEFFVlJDbjI0QUlGOE51UTF5dWJsV1N0WmdvdXQ0bG1aMXlmWEt0VEJuSGJ1eFJtZmdwUXNPMGlHVUN2RVFTRU92TlFIUTRUUDdVdzFSMW9zOVNrQXJsaWVvSjA?oc=5) · The Business Journals
- 2025-01-20 [Northfield's Community Resource Bank, Faribault's First United Bank to merge - southernminn.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxOX0loMkgyWE1DRlQwdWRGQmFjaHN0UWdzaERnQTE5ZU0tbFJxM0hoNXQwa3dkLUgtdVUzYXdPamhvbERRQm0xVDRubV9nU1kySTVtRk1aZGdzbUE3SFl6U1pWMjFjcmRGaE8teFBWaHE4QThDUTBLMmZIZ2VDaWh4Mm5uYWdnT1JQY28zR3hTNGE4dXBVQndQUnpZc2FpZktocG9BMV9LS2RKb0l6c0RUalY4VFNWUHNsWkh3SkVZUE5GYW1QSnRpRG5IOW5ndnlOVTdER3IxWnI1cXBiSTR3UkEwaktmdFl2NTMxV3U2LVNvWks4LUczUXB5dEZ6S1lWbVhj?oc=5) · southernminn.com
- 2025-01-15 [Community banks in Northfield, Faribault to merge - Finance & Commerce](https://news.google.com/rss/articles/CBMijwFBVV95cUxQc0U3ZFNoTEJQanEtVDgxYWNaTHpXUjJKeGVrYUx4Yl8zR2NaVU5LazNWQllPSGRZM2ZQcmxtVklJNVFHaHoyUGgzQ2REU3FaX0xMX19FUmlHZl9YN1NPVHdYRDdMb1FISHJPLXEyTFEyS3RUZkluTzdWMnJ3bDRLMlBxTHVya1I4LXBwSnVTVQ?oc=5) · Finance & Commerce
- 2025-05-06 [Community Resource Bank announces new board members and executive management team - southernminn.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxQX21EOUo2RWpCMnQ4TElmTU9nTnZyaFJsYjYyZndCcWtJYURxUDVCVXo2RE5pVFNWQnZXWTJIM3pCeUxhbXZzRFBLZlc4ZHFIUlFjbW43bjdLdHY2eVFXdFdUbjhWOWpLUjY0c3pHaHk0ZUNVZ3JkZU9kcXFtWkY1NmF1Q3g3bDMyZVpNQWcyTTQ3ZXU2dy1nOTRaalZSMFp4cUdUb0NKMGtLLU45WW5FMU40WUdDQ0V2OXdkbVdwczdHaG9OSlBVMlVrb0tXdDBhZG1PQlRsYlV6Q0tNbEZMTlFsV05mb1VqR1ZmY0VQa2RkUk1oVG92cDZOQy1lVTUyblFERlZaQTRDa2d6UUdsNU1JMWg?oc=5) · southernminn.com
- 2022-06-23 [Andy Althoff joins bank - Cannon Falls Beacon](https://news.google.com/rss/articles/CBMivgFBVV95cUxOWWRudWdma1B2Y1pPNmU1MVRtZl9Hek56UjdzcWVUR0NOY3pEQlBsTHdONWJfLXFzMVlhRnV2WmVPV0RWMFNoRERBMl9qdjh0bHZvUTcybVRvNnctck5VMTNsT1ZESmZFV1FFR2NnTmc5c1haVUpPYjVOcXN0emlHZFcxMXFXam93WkZUdjF6eUFZd1prRnZTZ3E1WWI0ejVtdDNsa2l3ZjJGN25aQmxyaVpObkhIbTNzWkIzcUFR?oc=5) · Cannon Falls Beacon
- 2026-04-29 [John F Crinklaw Obituary Jun 23, 2024 - David Lee Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE5qVXpDT09fV1hpNm5NMl9TS3p5aEprdHJ6YWpJcFJRNk5iSEIzU3dJam9LLVQ3MkM4YmczQ0J1d3dHWWRyay1IZkduc1pJSmR3UUgwQ1N2ZlN0SGlrRzdhLWRlUTh4ZmZJc2RiNg?oc=5) · David Lee Funeral Home & Cremation Services
- 2024-06-26 [Remembering the life of John Crinklaw - Star Tribune](https://news.google.com/rss/articles/CBMid0FVX3lxTE41R2ZUZTc5Y1JmYUl3R25PRHFkM0Zybm54ZmZRTGxib3hZc0hNSUhydUo5X2NJUnhjdW9ZcE53akE2RTM5MmpRck04YnpvMlJWb0lxRXNKQ2xvY09QQkhpWEcwbVJId1Y3N2F5a3ZYcDZkRk9fZ2xF?oc=5) · Star Tribune
- 2023-10-18 [F. Donavon Kuehnast Obituary Oct 11, 2023 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1acmRNQ0QxMnFueURNX3R2djlUTUI5NE9VT1NkR0ZFNWNiMlVzdU9tM0NRTDhISDZHcHB3NURfR3FBcTJyb3JvMVk2dzFfN3hvd1ZVb0o2TzdGd1V1RG5SaHFKNm1CMlo4MUtHNGhB?oc=5) · eastgatefuneral.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5219 (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/35.json (key "5219", 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