# EAGLE COMMUNITY BANK
MAPLE GROVE, MN · FDIC certificate 57477 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**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 | $35.3M | |
| Deposits | $32.1M | |
| Loans and leases | $28.8M | |
| Total equity | $3.1M | |
| Loans / deposits | 88.99% (p89 of band) | 64.60% |
| Liquid assets / assets | 15.79% (p4 of band) | |
| Uninsured deposits / deposits | 27.40% (p80 of band) | 18.23% |
| Brokered deposits | 1.39% | |
| Wholesale funding | 1.39% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.59% (p17 of band) | 10.53% |
| Unrealized securities loss / equity | 0.00% (p29 of band) | 0.67% |
| AOCI / equity | 0.00% (p90 of band) | |
| ROA (annualized) | 4.97% (p98 of band) | 1.00% |
| Net interest margin | 8.40% (p100 of band) | 3.26% |
| Efficiency ratio | 37.06% (p2 of band) | |
| Noncurrent loans | 0.00% (p10 of band) | 0.41% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 61% | |
| Construction % of loans | 17.67% (p58 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 28.0% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  | construction >100% equity |
| 2011-09 | 6 | capital falling | noncurrent p90 |
| 2011-12 | 6 |  |  |
| 2012-03 | 10 | leverage <5%, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 6 |  | capital falling, leverage <5%, uninsured deposits leaving |
| 2012-09 | 6 |  |  |
| 2012-12 | 7 | uninsured deposits leaving |  |
| 2013-03 | 3 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 1 |  | losing money, expense ratio p90, capital falling |
| 2014-06 | 3 | losing money, expense ratio p90 |  |
| 2014-09 | 2 |  | losing money |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | losing money, charge-offs p90 |  |
| 2015-06 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 7 | reserve under noncurrent | expense ratio p90 |
| 2015-12 | 6 | expense ratio p90, noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 4 | capital falling | losing money, charge-offs p90, expense ratio p90 |
| 2016-06 | 2 |  | noncurrent p90, capital falling |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 7 | capital falling, losing money, expense ratio p90, noncurrent p90 |  |
| 2017-03 | 3 |  | capital falling, losing money, expense ratio p90, noncurrent p90 |
| 2017-06 | 4 | expense ratio p90 |  |
| 2017-09 | 4 | losing money | leverage <7% |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 | liquid assets <10%, capital falling | charge-offs p90, expense ratio p90, losing money |
| 2018-06 | 4 | losing money, expense ratio p90 | liquid assets <10% |
| 2018-09 | 4 | liquid assets <10%, charge-offs p90 | reserve under noncurrent, capital falling |
| 2018-12 | 2 |  | liquid assets <10%, charge-offs p90 |
| 2019-03 | 0 |  | losing money, expense ratio p90 |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | expense ratio p90, capital falling |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2020-09 | 2 |  | liquid assets <10% |
| 2020-12 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2021-03 | 1 | capital falling |  |

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

- 2021-05-03 [Foley Based Falcon National Bank Adds Sixth Location in Maple Grove - KNSI](https://news.google.com/rss/articles/CBMiowFBVV95cUxOV2QzRW05QVVhWFpuMVZGMG9pYndaTVA0X0VKRFBZUXRzOUhxM0Q5UUxNSkhQb0dobjZFUjRnX0hYZmd2dUdqRVVIOTJ1YkNidmh0NWNfNU1VRlY4UHZEcEwyM0I2bTFLRVdIUTlLdENFZXBfZ1RxX08yMzhnNk9vVGhIWk1MWlJLZFl3MDJoR2JuUnZxZ3NsdDVhQzZVYk1FTDEw?oc=5) · KNSI
- 2021-05-27 [In business: Chamber of Commerce names 2021 business award-winners - St. Cloud Times](https://news.google.com/rss/articles/CBMixgFBVV95cUxPVlFwZWRvMHJNdlJmem5OZ1ZBeWR4ZlI5OGhhR3NCNXJOZTNVbUM0QXZ6WlQ0SHBILXVZSGlHc3YxLTI5V2ZTOGM0dHFLNVlxYlZvSzA1Znp3d3dtMUN4NTNoVmZEM3RzeWNqdkJNUEplZFNrSF9vbjd6Y0Y3QlNBNnVOeXNpX3hEdlNmNGx6QkI4VXd5d2FFMmJ5X2hnWnFyd1BFblFaZ2JnQVdfcVUyYzdOVDM3WFllVEJrNzZLaEJjM2tPNlE?oc=5) · St. Cloud Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57477 (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/5.json (key "57477", 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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