# MAPLE BANK
CHAMPLIN, MN · FDIC certificate 57581 · asset band <$300M · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $82.4M | |
| Deposits | $64.4M | |
| Loans and leases | $73.2M | |
| Total equity | $11.2M | |
| Loans / deposits | 112.17% (p99 of band) | 61.37% |
| Liquid assets / assets | 10.48% (p2 of band) | |
| Uninsured deposits / deposits | 24.82% (p65 of band) | 20.48% |
| Brokered deposits | 5.55% | |
| Wholesale funding | 12.84% (p94 of band) | |
| FHLB advances / assets | 7.28% | |
| Tier 1 leverage | 12.21% (p69 of band) | 10.54% |
| Unrealized securities loss / equity | -3.80% (p79 of band) | -19.24% |
| AOCI / equity | 0.00% (p93 of band) | |
| ROA (annualized) | 0.28% (p15 of band) | 0.80% |
| Net interest margin | 4.66% (p97 of band) | 3.08% |
| Efficiency ratio | 90.89% (p87 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.23% |
| Net charge-offs (annualized) | -0.02% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 0.15% (p18 of band) | |
| Auto loans | $57,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 3 | capital falling | noncurrent p90 |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 4 | losing money, expense ratio p90, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 7 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-09 | 8 | capital falling |  |
| 2012-12 | 4 |  | uninsured deposits leaving, deposits shrinking, assets shrinking, capital falling |
| 2013-03 | 1 |  | reserve under noncurrent, losing money, expense ratio p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90 |
| 2014-03 | 4 | losing money, expense ratio p90 | reserve under noncurrent |
| 2014-06 | 6 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-09 | 5 |  | reserve under noncurrent |
| 2014-12 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2015-03 | 5 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 4 |  | assets shrinking |
| 2015-09 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2015-12 | 4 | loans exceed deposits | uninsured deposits leaving |
| 2016-03 | 2 | brokered >10%, wholesale funding >15% | deposits shrinking, losing money, expense ratio p90, loans exceed deposits |
| 2016-06 | 2 | capital falling | wholesale funding >15% |
| 2016-09 | 2 | wholesale funding >15% | capital falling |
| 2016-12 | 3 | expense ratio p90 |  |
| 2017-03 | 4 | losing money |  |
| 2017-06 | 6 | capital falling, uninsured deposits leaving |  |
| 2017-09 | 7 | charge-offs p90 |  |
| 2017-12 | 5 |  | uninsured deposits leaving, charge-offs p90 |
| 2018-03 | 3 |  | brokered >10%, wholesale funding >15% |
| 2018-06 | 4 | brokered >10%, wholesale funding >15% | capital falling |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | losing money |
| 2019-03 | 4 | losing money |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 6 | loans exceed deposits, capital falling |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 3 |  | expense ratio p90, losing money, loans exceed deposits |
| 2020-06 | 5 | loans exceed deposits, losing money, charge-offs p90 | capital falling |
| 2020-09 | 4 |  | losing money |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | charge-offs p90 |
| 2021-09 | 2 |  | brokered >10% |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | deposits shrinking, assets shrinking |  |
| 2022-06 | 4 | uninsured deposits leaving | wholesale funding >15% |

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

- 2022-12-07 [Granite Mortgage Opens In Minnesota - National Mortgage Professional](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVHRKcWJ3YUs3Rmw3ZGcxU3Q1U3EtelJ2dER2LURSMWpIUVNuUHlzVHYyOFJ5SHM4aU4ySkVvWGpqZlc4SW00ZEFybWxxa0lBUnh5djkteXpzNDB0NWlXVXU5LWpGSTFGbS0taUpXLWg5VTBqNGlGTWVhdDI1T05mY2lqZkM?oc=5) · National Mortgage Professional
- 2025-11-17 [Biz Buzz: Granite Bank among fastest-growing private companies in 24-county area - St. Cloud Live](https://news.google.com/rss/articles/CBMitwFBVV95cUxQNW5iZDNTVG40Szd0YXI5eUpmV1VsSFhQWEJVTDUyTjhvNzQtQTg1THlzYjJVS2tSWmduUHhUNnlyZU5oRXR3WVdPTU9xbWFHSUJxSGl0cWVoX3dhTkVLNDR6bk1Xam1zcHFMMU5POW1pcS1UQmlqTmh0RW5hTnJ0MWpBTm1wZkwxU09sZFNxUmJlTmRBSHhfTDQ2ZG03eVBBZWdEMHQ0QWNtNzZxNmdjOTVpbkJUZVU?oc=5) · St. Cloud Live
- 2024-07-20 [David Stavenger - Star Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTE5vZVFoNG9PUHZwdnJobzBUUXJkaENDaXZkUVBaaWNGaWlNZVlrOWx6VVl3d3lsbEdfNzc1MjNteG5iZXc4c0x4MHdjdzcyV2MwNHRLcERJUjk3c0ozVVkyT01qbVIzV0l5TVlKSGdoRmxmTlNQUTFkdXd3?oc=5) · Star Tribune
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57581 (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/45.json (key "57581", 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