# RIVERLAND BANK
JORDAN, MN · FDIC certificate 58106 · asset band <$300M · latest filing 2026-03 · 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 | $226.0M | |
| Deposits | $192.3M | |
| Loans and leases | $205.0M | |
| Total equity | $26.9M | |
| Loans / deposits | 105.29% (p96 of band) | 72.28% |
| Liquid assets / assets | 8.65% (p2 of band) | |
| Uninsured deposits / deposits | 14.47% (p30 of band) | 19.31% |
| Brokered deposits | 3.71% | |
| Wholesale funding | 5.92% (p76 of band) | |
| FHLB advances / assets | 2.21% | |
| Tier 1 leverage | 11.80% (p53 of band) | 11.62% |
| Unrealized securities loss / equity | -0.06% (p88 of band) | -7.15% |
| AOCI / equity | -0.02% (p73 of band) | |
| ROA (annualized) | 1.10% (p49 of band) | 1.12% |
| Net interest margin | 3.64% (p38 of band) | 3.86% |
| Efficiency ratio | 61.73% (p38 of band) | |
| Noncurrent loans | 0.33% (p49 of band) | 0.34% |
| Net charge-offs (annualized) | 0.22% (p93 of band) | |
| Reserve coverage of noncurrent | 359.94% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 74.79% (p88 of band) | |
| Auto loans | $47,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, leverage <7%, leverage <5%, losing money, expense ratio p90, construction >100% equity |  |
| 2011-06 | 8 | charge-offs p90 |  |
| 2011-09 | 7 | capital falling | brokered >10%, charge-offs p90 |
| 2011-12 | 7 |  |  |
| 2012-03 | 7 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <5%, construction >100% equity, capital falling |
| 2012-06 | 5 |  | deposits shrinking, assets shrinking |
| 2012-09 | 3 |  | charge-offs p90, uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 | capital falling | losing money, expense ratio p90 |
| 2013-06 | 2 | losing money, expense ratio p90 | leverage <7%, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 |  | losing money, deposits shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | construction >100% equity | expense ratio p90 |
| 2014-12 | 2 | capital falling | uninsured deposits leaving |
| 2015-03 | 0 |  | construction >100% equity, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, construction >100% equity |  |
| 2015-12 | 3 | loans exceed deposits, reserve under noncurrent | construction >100% equity |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 1 |  | loans exceed deposits |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 3 | loans exceed deposits, construction >100% equity | reserve under noncurrent |
| 2017-03 | 4 | liquid assets <10% |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | liquid assets <10% |
| 2017-12 | 4 | losing money, expense ratio p90 | loans exceed deposits |
| 2018-03 | 4 | loans exceed deposits, reserve under noncurrent | losing money, expense ratio p90 |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 7 | liquid assets <10%, capital falling, losing money, expense ratio p90 |  |
| 2019-03 | 2 |  | construction >100% equity, reserve under noncurrent, capital falling, losing money, expense ratio p90 |
| 2019-06 | 3 | reserve under noncurrent |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 2 | capital falling | liquid assets <10% |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 2 | loans exceed deposits |  |
| 2020-12 | 3 | reserve under noncurrent |  |
| 2021-03 | 0 |  | capital falling, loans exceed deposits, reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 0 |  | construction >100% equity, capital falling |
| 2022-06 | 3 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | construction >100% equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | liquid assets <10% |
| 2024-12 | 3 | liquid assets <10% |  |
| 2025-03 | 1 |  | capital falling, liquid assets <10% |
| 2025-06 | 3 | liquid assets <10%, uninsured deposits leaving |  |
| 2025-09 | 2 |  | uninsured deposits leaving |
| 2025-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2026-03 | 4 | charge-offs p90 | capital falling |

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

- 2026-06-04 [Eagle Rock Bank almost doubled assets and staff with Riverland Bank merger - Post Bulletin](https://news.google.com/rss/articles/CBMisgFBVV95cUxNaG5keUc3RmlKeEd4cS04R010eWVCSklESEszNTItRW44YWg1cHN0N1NhUDhrSG1HdERjYkMtLTNMdHJETy1QQVhReXRZX09xYWI2bDNraFoyampKSjQ5bTVDa21EbVlPVVlNZUo5YW4wSFU1T1FFWGk4YVdvQXJGTWpBem5zdTdPb1VKaWxQV19EQUpRNjZ3ekVFcTkyQ2xYQWVsSmJLUDNveGM3WU41d0Nn?oc=5) · Post Bulletin
- 2026-02-17 [Eagle Rock Bank, Riverland Bank merge to create $500M institution - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPX2xIN2xJWUhTMjJsMUxpNGljeW5nZy1rOHktbHhxa1h1YmNuZGZGQ2RQc0NuU2lFREtOLWpHNlhKTHFfTG93QXV4aFg2MzFRQThBT1cxV3l3ZXNEVWFZWkJlRldtUzAyVGM0Q2NZbTZJQnJOa0RHc2txMjRldjNHQW1PZmFsRm04Q2c2bXN2RHM4ZFBEcUtEZXdIbkc?oc=5) · The Business Journals
- 2018-02-27 [Cool Offices: Riverland Bank's Northeast Minneapolis office showcases high-end, high-tech look - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVy1VRHhnS08tOW1ldTFUdnltMjJCYUFfcVQwM254QndOeGNmYmRkcElSX2toNEd0czlZS3h1VVFkNUg4dHQwaXZLR01EQWFsdDFNOXNYajh6RXV3TlJ6eWxoMHYxU3dVYldELWhHMXE2TTZnR05jMWFXVGJxbkVheVdkZVlSWDVpY3V1bUdrRUx5QjEwRHJlWXgtNWZPZ0wtR25QV3hkWnlxNnJSSFpr?oc=5) · The Business Journals
- 2025-01-19 [Remembering the life of Paul Wagner - Star Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUlVrdEhzekU3cm5HVjNTMmtjVnpSbXlTVkVIZEZFMUs2R2VYZ3RNTWFUbnBKaDlqRmpQQ3RtVDNaMUxMVm5EeWZKSkdhT2JoaFdSMk1jbVRVbHVnZ280OEtjOTlTM2c2Nk1MdDZDVlBvQmtDb3dhYzVkbXVLYWd3Tm5hbC0yT1E?oc=5) · Star Tribune
- 2024-11-23 [Elaine M. Cownie Obituary Nov 23, 2024 - Mueller-Bies Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE96ZlV5d0thWjF2dGQ5MW9oeGFHVV9faHFpU1lPR0ZUNWdsRzNhaEhQb0U3UnBxN0htYmRZQlF4bUhiVXlxa3NHZlNPOVFQaE9CRTRLb2dLZmxpWTNKVnJ5TjN3?oc=5) · Mueller-Bies Funeral Homes
- 2025-01-12 [Paul James Wagner - Star Tribune](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XRXI5RWZiYS1XQTB3dlU5bVhyRnJMSGF5YWIxMHRiTkhBY1ZyWjhmRWNQR0c1alFwUjAzVmROenRheHVITmZrblB0ZGlNSDVSWFVJQnNuSzdkUDNHMW82LUpFWWs0U2VmRFRLbEl4emNNMkN0?oc=5) · Star Tribune
- 2015-10-29 [Andy Redleaf's Park State Bank gets new leaders, more capital in sale - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxORlJzSDBFMjNrelNJTTdIM0JmdFp0cENFc1M0bDNpWG1pYnJKcGI4UF8zUTFIWnBnLWFZczNQMVlRTkl3SDMwUVNscVotNjdMdEdmWUYwdGpybHg4dnQySUVJSV9qN25jQ0xwVUs2VVVkUXhmYWdqTkNsRnFCSTJXVWwzdE9ydG1YUDl0MEUxUUJaTTB5aEE3Rlozel9UY3JNSXZJV0FNWENFMjBaZWc?oc=5) · The Business Journals
- 2018-03-06 [Cool Offices: Marketing agency Workshop's new office preserves history in 100-year-old foundry - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNLVVZQXhfdlJkT19YNU80RkVGTFJ3ei1uemRjVUJTY3FKekdObThZcFZzelNhUHJYb2Y2VUFfUTBtQmVVUEhLQnJGR183U0lJRWwwMDNOZTdGbTc3VVFnMFl6bGlxdmw1dldyS1hRTk9qaTY5ZFl2Y2hNNnh6NV9SbloycVNhRWl2UWNWNFV3WTdSbmJTYXd0UVVWMUpHT2J5b285dmpBWmZfb2luT1hr?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58106 (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/58.json (key "58106", 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