# DRAKE BANK
SAINT PAUL, MN · FDIC certificate 57336 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $247.4M | |
| Deposits | $211.6M | |
| Loans and leases | $193.7M | |
| Total equity | $17.2M | |
| Loans / deposits | 88.81% (p78 of band) | 73.59% |
| Liquid assets / assets | 20.97% (p24 of band) | |
| Uninsured deposits / deposits | 14.25% (p29 of band) | 19.81% |
| Brokered deposits | 17.31% | |
| Wholesale funding | 24.23% (p97 of band) | |
| FHLB advances / assets | 6.87% | |
| Tier 1 leverage | 7.27% (p1 of band) | 11.76% |
| Unrealized securities loss / equity | -7.88% (p46 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | -1.24% (p3 of band) | 1.17% |
| Net interest margin | 3.62% (p34 of band) | 3.93% |
| Efficiency ratio | 77.75% (p75 of band) | |
| Noncurrent loans | 4.49% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.51% (p97 of band) | |
| Reserve coverage of noncurrent | 66.91% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 66.46% (p87 of band) | |
| Auto loans | $33,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.5% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | noncurrent p90 |  |
| 2012-03 | 2 |  | loans exceed deposits, losing money, noncurrent p90 |
| 2012-06 | 3 | loans exceed deposits |  |
| 2012-09 | 4 | uninsured deposits leaving |  |
| 2012-12 | 4 | liquid assets <10% | uninsured deposits leaving |
| 2013-03 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2013-06 | 2 | deposits shrinking | charge-offs p90 |
| 2013-09 | 2 | charge-offs p90 | loans exceed deposits |
| 2013-12 | 5 | loans exceed deposits, reserve under noncurrent, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, charge-offs p90, reserve under noncurrent, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | reserve under noncurrent | capital falling |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | liquid assets <10% |  |
| 2016-03 | 2 | capital falling | liquid assets <10% |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2017-12 | 1 |  | wholesale funding >15%, deposits shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2018-09 | 5 | capital falling |  |
| 2018-12 | 6 | wholesale funding >15%, liquid assets <10% | noncurrent p90 |
| 2019-03 | 4 | noncurrent p90 | charge-offs p90, wholesale funding >15%, liquid assets <10% |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 1 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2020-03 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2020-06 | 2 |  | deposits shrinking |
| 2020-09 | 2 | capital falling | wholesale funding >15% |
| 2020-12 | 0 |  | loans exceed deposits, capital falling |
| 2021-03 | 1 | loans exceed deposits |  |
| 2021-06 | 3 | wholesale funding >15%, capital falling, charge-offs p90 | loans exceed deposits |
| 2021-09 | 1 |  | wholesale funding >15%, capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 3 | brokered >10%, wholesale funding >15%, AOCI drag >20% of equity | charge-offs p90 |
| 2022-09 | 5 | capital falling, securities losses >30% of equity |  |
| 2022-12 | 3 |  | capital falling, securities losses >30% of equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 3 |  | uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2025-03 | 3 |  | loans exceed deposits, uninsured deposits leaving |
| 2025-06 | 6 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2025-09 | 5 | noncurrent p90 | capital falling, uninsured deposits leaving |
| 2025-12 | 6 | losing money |  |
| 2026-03 | 8 | leverage <7%, capital falling, deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2026-06 | 8 | noncurrent p90, reserve under noncurrent | leverage <7%, capital falling |

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

- 2025-06-14 [2025 Notable Leaders in Banking - Twin Cities Business](https://news.google.com/rss/articles/CBMid0FVX3lxTFBBQjBzQ3FSQ0tfdzBxVHJvZTlzd2ExXzNlelk0LVFkWnU3TUhhMEtVZE9ZbTF6QzM5Y0ptX1kxdXFpcmJFOHdTOHJDTWZaYkZWamxja2ZpTTM3am5pSXljSlJaMkpVdzN5WDc5Y3dxcHBnSk0yaktN?oc=5) · Twin Cities Business
- 2021-09-20 [Reliance Bank Secures New CEO - southernminn.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOczhvRTV4dDlvZmRQZXRwdHc4dVFhUVFGaXVNWndHZDBUNExwV0NaNFNSZEtHb2hhMF91cjFuUXJsNWNGX1hWT3ZhVC0xRlU4OFNwN3JLV04wUm1ianJLWjA3RUdxM0dLUGhDX2J2bEVpdzl6NDAzVzA1T0s2UXBMQ3hfanNvVUk1Q1NHOEVCX3ZTSExkdy0tSjJIdTRyVkZwVWRnQzNxM3RrVS1ZU1NfWFpmRmZqbFdIMV92UVBYdXlZYU1ZRWRNcE82cG83dzdHR2FhNVBn?oc=5) · southernminn.com
- 2022-03-13 [EntreBank, the first new bank in Minnesota in 14 years, will focus on small businesses - Star Tribune](https://news.google.com/rss/articles/CBMivwFBVV95cUxNenYtX3BHVmFXQU5IZE9sMFpuT3Z0T1hkV0k3ZXhwTEVoRGc0RUxWRUo1bGlsalVnOUxycVBKWnl6cnpZZEswNTdkNG9XYUVHZlZTY0hwb1pwSk5KSUlvSGlqUk9Ma1dHZFpRWHFDNjRmNGhXZVdnOXBYcFM5SFZmVUtuTTBEYnhOQ0dySGhhTDZzc1YyTmhFZjVoVzI4Z2NNM00xWU1TSlRWSDJPQUxXNE9IRC1ES3gwWlFMdXRrZw?oc=5) · Star Tribune
- 2024-01-10 [Ucross Announces Two New Trustees to Board - Sheridan Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNazZWVTR0UUN6MTZqdU9fS1V6ZTVRTTZyendReFNRNVpwOEF4WEJUMlVvdmpqam1haXpkSzZxYjVoTTg2OWtocVp2bWxfVEJ2T2stV0RhTmJ2cXJOU2lmUl80bTdtbnA4dEhpU3NGakNoUG5MN3JvT0Q5eXNfa3ZyT21wTEJ6RXh5?oc=5) · Sheridan Media
- 2026-07-23 [Local Rumor owner faces Chapter 7 liquidation after closing St. Paul restaurant - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNa0RvMHY0Um10SU4ycjdNa1ZCYXJXanNfUnQ3cEZfamdTMy1ZT29Td29aT2V4LUpNcXdmalVUU3lqT0Z1QmplT2xBSHppYlZjb0hrS1hxWDl3TE1FWUhJOXNPc3JaODFxazhpX2xDTUVnRXpSSTY1VnI2cGZHNFRLQndpS1RGU0ZYMWxsdXFTRFBpMEdJS0Jsb3JTYjdFbHRJdGQ3QVJEUThXT05M?oc=5) · The Business Journals
- 2024-04-12 [2024 Notable Women in Banking and Finance Archives - Twin Cities Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxQODlRcjVLVWozMnctS1FDaWkzSGNLdVJmd3pfN2c4eFVnY1NYTDNEZ0w2dE5JVHNWMjJRTzBvXzJ4RDV6d0tIc1JPbXNQb3lQdzdKUVBUWDZDai1XeHl2aE1ORnA1TVdSa2lEQlNJREZObGV6VmVVOGc2RGMyWHZsNUR1QWw?oc=5) · Twin Cities Business
- 2010-08-25 [Thomas Kelleher Obituary Aug 25, 2010 - Peterson Brothers Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE4tcVVWR0ZhTzgyVEJyMU44WnN1eVFSMEhwSTI3TzYxdHc3Mm9sMXBicU9rVmtScEtZOTl3dU1CSGpUOS1UN252cG5JWVdaVG1lRUsyRFFubEM5U1hKcnNlOXN5ODc4SVE2TGEw?oc=5) · Peterson Brothers Funeral Home
- 2023-03-29 [Ramstad: At Minnesota's newest bank, deposits grew after recent industry turmoil - Star Tribune](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNQjg2NXJWVnpxTk0xNVdCZ29kdzJCak04b01EdFdEMWpvcmJCX3NlYkJvcDBwWnRHSTB6TjladVVIN2M2X3h4LXdCT3VfcXZRVkVscnA3Q1A4ZXlpSFNYUTRqcVV2bEkxbjdxT3VQX3BKZWdGVUJwbWJfSnRvR0tkYmxOT1FtT3B1NnlUcUhXSlN1aVZDRWtQNEl6bGEwOTRqWWV5eHBRdE82UklGZXE0WGQ2aWpnQ1hNSkoxYy1fY1BRQXJZRVVmYXc2RHN5M3g1?oc=5) · Star Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57336 (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/56.json (key "57336", 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