# ROUNDBANK
WASECA, MN · FDIC certificate 5271 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**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 | $378.8M | |
| Deposits | $315.6M | |
| Loans and leases | $230.2M | |
| Total equity | $45.3M | |
| Loans / deposits | 71.80% (p54 of band) | 70.11% |
| Liquid assets / assets | 35.42% (p51 of band) | |
| Uninsured deposits / deposits | 17.70% (p17 of band) | 26.09% |
| Brokered deposits | 1.55% | |
| Wholesale funding | 5.20% (p69 of band) | |
| FHLB advances / assets | 2.38% | |
| Tier 1 leverage | 10.90% (p71 of band) | 9.79% |
| Unrealized securities loss / equity | 9.83% (p97 of band) | 0.82% |
| AOCI / equity | -2.77% (p19 of band) | |
| ROA (annualized) | 2.30% (p95 of band) | 1.18% |
| Net interest margin | 3.88% (p81 of band) | 3.35% |
| Efficiency ratio | 59.32% (p41 of band) | |
| Noncurrent loans | 0.65% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 241.84% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 37.99% (p52 of band) | |
| Auto loans | $3.3M (1.43% of loans; DQ 0.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 69 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | wholesale funding >15% |
| 2011-09 | 1 |  | noncurrent p90 |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 1 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |

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

- 2024-06-15 [Minnwest Bank and Roundbank Announce Merger - My KLGR](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPVU5WRDFBSVhRcnhHSS1PRkgwRU1zRk5PQzAtRmRSS010X2VPSTk5QWRYNVpGdlFMR2xoY0ZlVHh4R0RjOGhBQ2VzZWJ4TlhPQVBDWW5qUGRkOU1iRDlJSmZLZW92T0FhVUEyR2Frd2hPU2ZYTHdqZGtfbWNJX0xJV2FzRmpxT0oxeEpIUnpLTXJNY3NaRmhvUEUzdE5Yenc4V3BOWF9pZWRoSWJSaHM0Rmh4Vm1WM0lIel90QmNlTDkyNHJITFU1WQ?oc=5) · My KLGR
- 2010-07-23 [A New Prague bank fails - startribune.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBtLTM1RTZndmdUdTRoeFdDXzM1bHlWeC1YY2EwRktLYXBUN2ZiZTVaZmRHMEVmenpqYk0zSmJDSW5pUzN2REJZa2ItLVBVdkFLX3FPWDBRUkpiQndHakZLbXVxMUI3bkFKMDFWUg?oc=5) · startribune.com
- 2010-07-27 [Roundbank acquires failed New Prague bank - southernminn.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQZU1nbEMwZU9KYVBNUjNtR21MQllOVHc2b3pUcGVPTkRqT2YxOUYwOWVDMDdkWHRkd2VFTVQ0d3ByVE9BZVhLUGdKZlNibDE0NXlTVTJrTExabWNpQU5PZEJHY2ZwV1BQMTR2ckNKdkJGUHQ4VHJianJUS3lXUFJPSmozY2VSVUd0VFU0VE1FV04xRmVENmVxdkk3TnFPd2FVNlVXbDhKYXJOX1ZaeVltbjMwdWZTS3ZQSjUxYjFXQzU2cG03UUI4cl8yZ3lhWTZhZl9sdnYydVNzOXFCQWhyRWdR?oc=5) · southernminn.com
- 2024-05-16 [Neoma Jean Johansen Obituary May 16, 2024 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5aTmhvWkZzS3FUTjJkbmhFU1ktT1Y1RHpTWVJaOHo5RDJnNnc5UDZlQURUSWtWZ245ZzNfall6NTNfQWFGVEw1M0w4b1pONlN3ZjlmcWpUOFdTSWRuWWRtYmFn?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2024-05-28 [Claire Erickson Obituary - MN - Pioneer Press](https://news.google.com/rss/articles/CBMidkFVX3lxTFBKT01kcS1TdHZudjEwRlAxdTV3SnFSREMta0t2WWR0U09jd09OajVfLUVGV3B3MnU1VkRYSTRFTy1GNzBTNWgtZG9McEd0ejZFSFhSVXFHcHdGLUs1b3FWVHJFSjRUMjhqNVFJcWdBNWJIR0xnb1E?oc=5) · Pioneer Press
- 2016-07-21 [Roundbank announces new senior VP, chief sales officer - southernminn.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNb3F6a1drZUU4dTljTlppbHVyTkxMTmF6SF9RYnJ3cWowMGdhLURuRjV4eE1VbWxJeG9QaERyUFBhblozc2k0WlRzb2hxXzFUSnlXXzdNaXkzdHlnWWZEM3V0TURXaEVyNUJoT3JkNk1tb1luaUxIcGV6YlY3UWJhR0lENlBDaEtsU2ExZG5IdThZN0ZLVFMwczRmRWxsMlRULVJLTnpEUWlKNnJ4VjRVcE1QdGJ4WTRLVTI3cXRncHVjbVFNWVZVd1N3aDJENGJlYjFrTFI0ZUFSTWRRLWV6cXQ5TnBpNjdTOTNZeWd3dlBzV0U?oc=5) · southernminn.com
- 2022-09-18 [Gerald "Jerry" Stencel Obituary Sep 18, 2022 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiakFVX3lxTE5xY290ZUxuNGhoOUlRMkNqQkIwNDRGUEoyVkZmUUdTdWZoZDMzejJTR0ozU3MtbUpmRkxSRjEyS3lKSUFiNzl1X3RuYnh2ei01VDZXbkx4ZWo0WXVlWWhadWpZRHZHdnJrWGc?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2025-05-31 [Claire and Betty Erickson - Star Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxPU29mVWNRV3pQOERpeGJwWlR1eFBPZDRDc0x4MjdSWldTT294TjNmajFwcC1nMm1IUXNHbllJOXQtcmd4aWZ2bUZZMVVua3JQVU5BUHpxUlVqbGItTlo2Q01wOGI5SFNyTzlwTW5hbVFSdHliTlprTmMzUHU2NGp0LW1JS05MTGc?oc=5) · Star Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5271 (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/23.json (key "5271", 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