# MINNESOTA NATIONAL BANK SAUK CENTRE, MN · FDIC certificate 5249 · 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 | $298.4M | | | Deposits | $253.9M | | | Loans and leases | $240.8M | | | Total equity | $30.3M | | | Loans / deposits | 93.84% (p86 of band) | 73.59% | | Liquid assets / assets | 15.18% (p12 of band) | | | Uninsured deposits / deposits | 24.35% (p66 of band) | 19.81% | | Brokered deposits | 3.36% | | | Wholesale funding | 7.80% (p81 of band) | | | FHLB advances / assets | 4.44% | | | Tier 1 leverage | 9.77% (p21 of band) | 11.76% | | Unrealized securities loss / equity | -4.66% (p58 of band) | -6.57% | | AOCI / equity | -0.13% (p62 of band) | | | ROA (annualized) | 1.66% (p75 of band) | 1.17% | | Net interest margin | 4.41% (p73 of band) | 3.93% | | Efficiency ratio | 59.61% (p35 of band) | | | Noncurrent loans | 0.49% (p55 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p54 of band) | | | Reserve coverage of noncurrent | 216.70% | | | Real estate % of loans | 80% | | | Construction % of loans | 35.88% (p69 of band) | | | Auto loans | $3.6M (1.51% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 5.0% | | | Employees | 53 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 0 | | reserve under noncurrent | | 2011-09 | 1 | reserve under noncurrent | | | 2011-12 | 1 | capital falling | reserve under noncurrent | | 2012-03 | 1 | | | | 2012-06 | 1 | | | | 2012-09 | 0 | | capital falling | | 2012-12 | 0 | | | | 2013-03 | 0 | | | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 1 | capital falling | | | 2014-03 | 0 | | capital falling | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 1 | capital falling | | | 2015-03 | 1 | assets shrinking | capital falling | | 2015-06 | 2 | deposits shrinking, uninsured deposits leaving | assets shrinking | | 2015-09 | 0 | | deposits shrinking, uninsured deposits leaving | | 2015-12 | 1 | capital falling | | | 2016-03 | 1 | reserve under noncurrent | capital falling | | 2016-06 | 1 | | | | 2016-09 | 0 | | reserve under noncurrent | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 1 | uninsured deposits leaving | | | 2017-09 | 0 | | uninsured deposits leaving | | 2017-12 | 1 | capital falling | | | 2018-03 | 0 | | capital falling | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2019-03 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 1 | | | | 2021-12 | 1 | | | | 2022-03 | 1 | | | | 2022-06 | 1 | AOCI drag >20% of equity | capital falling | | 2022-09 | 2 | securities losses >30% of equity | | | 2022-12 | 1 | | securities losses >30% of equity | | 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity | | 2023-06 | 1 | capital falling | deposits shrinking, uninsured deposits leaving | | 2023-09 | 0 | | capital falling | | 2023-12 | 0 | | | | 2024-03 | 0 | | | | 2024-06 | 1 | wholesale funding >15% | | | 2024-09 | 0 | | wholesale funding >15% | | 2024-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2025-03 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2025-06 | 0 | | | | 2025-09 | 0 | | | | 2025-12 | 0 | | | | 2026-03 | 1 | assets shrinking | | | 2026-06 | 0 | | assets shrinking | ## In the news (Google News, unfiltered, newest first; check the city) - 2022-12-27 [Mary Kerfeld Obituary Dec 27, 2022 - Patton-Schad Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0weEhQM2NVRGF6WEwzaUlubnJ4MVo5eUhCNjE4aHNfeWRscElYYmNrU3BHdGYwb25WWmUyVGlzX2xJTDh0NGR5N0lnRFlsYWp1S0dpOVUtWElWUHF6eVp3Nw?oc=5) · Patton-Schad Funeral Home - 2024-05-05 [Mae I. Gordon Obituary May 5, 2024 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9LaXRibWxEVFQ1Um82d1BHMHlRV2V2blVRNEcwWk94d1BZcFdTMHFSZ29seUFmXzRFWG5zR3N6WWREd0J2S3ZIVFJDNkI5RVZRbGJGUnNwZ2lNcU9QNzBTOXdWZ1A5UmpD?oc=5) · Amundson Funeral and Cremation Service - 2020-12-01 [Marjorie Combs Obituary Dec 1, 2020 - Stenshoel-Houske Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9BaU9kTmFTcmhjVFlVN0tiSWVEa3ZqcWZ6VllGQ2Vmd1VpMTI3ZFFJNjJYOVluSnFXLVZtRzNOcjFoSDMyeTZnNWV3bTgtNDAzS1hJZmh5d2NiSnFHbTVBUlF1cUVLYWNm?oc=5) · Stenshoel-Houske Funeral & Cremation Service - 2023-10-24 [Duluth school district buys News Tribune building - Duluth News Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxPMm5JaHhLRll3bUxWMDdsM1dKVTlWdWROdWFucjRSZFBhdkdsenhSOG93SXAzMXVQa0VVemVRcXI4ZE9fbkhpOWxSNlZ3cnZiTG5fTlpxQ0RhejdNZ3VZdGZSZmRTdUJYUzAyMUNkQkoxWXdUdVZzNEJWelNzaS1POW5BQ29BSnNweWpOZUx5MERMcXpBdGlWRlln?oc=5) · Duluth News Tribune - 2022-12-29 [Boys Basketball: Cole Anderson's game-winning shot lifts WCA over previously unbeaten Battle Lake - Alexandria Echo Press](https://news.google.com/rss/articles/CBMizgFBVV95cUxPTVJacWZQY2RPS1l5ZjJIdDZTWnpnd1JxblN4STdWSlhWUzRtcU9zR2Qxanpwd2s4WGU1NDBCUjRqUWtpXzZTeTYxZ1ZoS2RVU09FTzVqTmFSMlJrY3F0M3BpQUdPTTd6SFNMX0xLd2tZWFVOd2dLNFFBQlRRQm1CVjBZMVpYN3dqYXhpckRnV09ucUE3R3I0YlIyQm8yMDQ2REFFYV9xTnFNWUJfZ2V2aUpKclVlQ2lyMV9lT2JKTHRpZGIwQ3IxdDU0Zk1aQQ?oc=5) · Alexandria Echo Press - 2025-09-04 [Robert "Bob" Brower Obituary Sep 4, 2025 - Patton-Schad Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE0xZVpBYWFNSlZMa0k3QmU1WXFUYTZwMUpMRHdfQ1d5WUlwcFlYanZXWml6Q1NWbGsteExmTDJDbFZCZlJYak5mSTYwRElPRy0tcU1KXzVvS1lvdnZnSUE3OThmYmR4SHM?oc=5) · Patton-Schad Funeral Home - 2025-09-10 [Robert Brower Obituary (1944 - 2025) - Sauk Centre, MN - Sauk Centre Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQMWg3ZFpDUnZScGVQTHluMjFsQl9QazRsR2hiYkhPWHpuVkUyY1RpekFIWE5Uempsc3M5NGhtUE1VTm40bmRiOElJX19DQUVmbjhYTzh5TjdhMWNFTXRMOWRXck5McDBOQ2c2NTJmRVRRNWV4WGR3cHl2S2U4YjRxRzdJUWZPYm1ZOTVBekpBX1A?oc=5) · Legacy obituary - 2018-03-21 [Olga Nelson Obituary - Duluth, MN - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE1Ud3E4eWs5alVzSk1malJQQVp2YUpYdXhNUEcyQWZyMmdmMjdta1ZJTVRzMGNTVzNyZ3JqckYyeVM0dVRBS3N3VTFEZFdsbGVYS3phYUJrNGJFcmVXZGo2bjZQaDR4YldOY19OV0JudTRJX3V4MEdoWnEyT2k?oc=5) · Dignity Memorial ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=5249 (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/1.json (key "5249", 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