# BREMER BANK NATIONAL ASSN
SAINT CLOUD, MN · FDIC certificate 5241 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $673.7M | |
| Deposits | $540.4M | |
| Loans and leases | $557.2M | |
| Total equity | $65.5M | |
| Loans / deposits | 101.57% (p91 of band) | 80.43% |
| Liquid assets / assets | 14.41% (p15 of band) | |
| Uninsured deposits / deposits | 33.60% (p86 of band) | 18.44% |
| Brokered deposits | 0.74% | |
| Wholesale funding | 10.35% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.71% (p42 of band) | 10.05% |
| Unrealized securities loss / equity | 4.71% (p90 of band) | 0.40% |
| AOCI / equity | 1.22% (p49 of band) | |
| ROA (annualized) | 1.28% (p76 of band) | 0.88% |
| Net interest margin | 3.89% (p66 of band) | 3.62% |
| Efficiency ratio | 56.35% (p17 of band) | |
| Noncurrent loans | 0.70% (p37 of band) | 0.96% |
| Net charge-offs (annualized) | 0.05% (p48 of band) | |
| Reserve coverage of noncurrent | 213.49% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 31.44% (p48 of band) | |
| Auto loans | $3.7M (0.66% of loans; DQ 0.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | loans exceed deposits | capital falling |
| 2014-09 | 1 |  |  |

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

- 2025-04-08 [Best Banks and Credit Unions in Minnesota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxONEVZdDF6MnpjeWpqd2NiNGdSU2U1LUxhZzRhU01NU19hUDBybnZackI0empPNGxIRlktTkNBVTJQajliR083MDRmMVhueWxCUDVka3ZTMHNSRHl0M2hCS1NtWmFhamk4VW5pM1pDbUFDcmVkcmJLNU8yNXU3cmZGamV5dVA2bHc3ekEyVnlGRXE?oc=5) · Newsweek Rankings
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in North Dakota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYXUzUzZzRE44MnVPT2FhSHFXc1B3bE1XTGt6dnBxSGx0ckloTUlfWUxsX2pnZzIwQkRhNkkyT040NjZfZ2FWYU9lcU5wZ29jUXB1R1JFeWJPNTlJUVk1LUY2bVJsY0l0dnEzYnA4R2YwNTRTU0pXc1hNMTJpamE0bi15d3NWSy1ZMlRTLUZnY0lDM29I?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5241 (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/57.json (key "5241", 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