# STONEBRIDGE BANK
MINNEAPOLIS, MN · FDIC certificate 58236 · asset band <$300M · latest filing 2016-09 · 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 | $250.1M | |
| Deposits | $220.4M | |
| Loans and leases | $196.3M | |
| Total equity | $19.2M | |
| Loans / deposits | 88.07% (p74 of band) | 75.30% |
| Liquid assets / assets | 21.09% (p27 of band) | |
| Uninsured deposits / deposits | 41.96% (p97 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.96% (p61 of band) | |
| FHLB advances / assets | 2.80% | |
| Tier 1 leverage | 8.85% (p15 of band) | 10.87% |
| Unrealized securities loss / equity | -0.08% (p4 of band) | 1.65% |
| AOCI / equity | -0.09% (p4 of band) | |
| ROA (annualized) | 1.64% (p87 of band) | 0.88% |
| Net interest margin | 3.96% (p67 of band) | 3.67% |
| Efficiency ratio | 61.48% (p24 of band) | |
| Noncurrent loans | 0.16% (p27 of band) | 0.69% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 693.23% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 47.72% (p80 of band) | |
| Auto loans | $120,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 18.8% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 3 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 0 |  | loans exceed deposits, uninsured deposits leaving |

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

- 2010-04-02 [Report: Stonebridge Bank acquiring Shakopee’s Citizens State Bank for $2-3 million - Pioneer Press](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeVZTdVZpRi1PdTVEMlktRUd6cWVfRlpIczJLcXJBak5zOTdUZmJ5TXRvWktDb3dvci1Jd1lXWmtjY01WdGd2N1Q5Vk0ydWdQX0V2Y19BdjdUVm5JVVZnRmNYRTBnUk00X1hpVTc5X3RWb3BHWkNQZ1otRFM3aGNxTW4yVWRrcG5jM0pESVBGSXFqMUxyY3NqbThzLVUtODVtZE11bml3bTJhOEpaRjE5SEZETk9TaGxCUkE?oc=5) · Pioneer Press
- 2022-03-31 [Banking leaders share how their approach sets them apart - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZjlfSC1ZdDNfc0U1VkJVUXBfcUdlX3RzVGhUdy1ucFFLeWJ1aE9XM1NfS1I0N0ZpeFh2VUlwSmNuTFdzbXNYSDdiWWdoYXZYVGZHNkxvQU40c0NUd1BJd0JtZ1VvRl9ZVG5xSER5ZXRPemMxd2RrS0s4RERFMzlvQmxVQ29TbzJMN0VMaWJIazRVbTRPYVFrWVpOSmtUQlBpYldyZ1otUzU0elo5NHBz?oc=5) · The Business Journals
- 2025-02-06 [Remembering the life of Thomas Jon (Tom) Freed - Star Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMDJVX0F0Zkw1d3REeU5hWHFDeUxjQ1Jlel9WUzRPdG9mZlZNaEhCUEUwOHRHSU1Wd01RMzFycVNvem1qRnM0cHh6YUYwSUhHTGN2VVFWbWJqcjl3aWViODJKbFVETG9Cc0F6LTFPV2pJR0M0UzI4LXRMR3FGX2o4Sg?oc=5) · Star Tribune
- 2022-04-29 [Meridian Bank CEO Chris Annas to Be Inducted into Chester County Business Hall of Fame - DELCO.Today](https://news.google.com/rss/articles/CBMid0FVX3lxTFAwTVBJblJNMjBYYW9vc3Z0eDl0UVMwMzNBY3htMHdNZDlkbVNKa0N4XzNxeHdnZ0tBSURQLVhaVGwtYklZT3BnZnhoVWd5VFNUTEZWOEFKSk5MLXNwM0NERFM3MnJzcm9YTkQyZXlSWDdPY0RpcUlB?oc=5) · DELCO.Today
- 2015-08-10 [Bemidji man injured in swimming accident - Bemidji Pioneer](https://news.google.com/rss/articles/CBMiggFBVV95cUxNVzU0MGRZYVY4ZGZJWXZQSFFPbGZKQmlOOGwtVVhFMkhERTU3U2VDVlNXRjM2V0JTQm5kRTFGNnE5V3E3MEVSRjByY2JPSmQxSFoyWmNpSkF2UGpOTEZTVnF4eVRLMVdiRy1rVW80VXZ4S1BLVk1rM2lRQkZTWWFFNHdB?oc=5) · Bemidji Pioneer
- 2007-02-12 [MI buys Excel Bank - Pioneer Press](https://news.google.com/rss/articles/CBMiaEFVX3lxTFA4MVY5elc5Q1ppSGVQcFNTM0QtckRBR1JqaDhNRTJHOUpMR2l4Y1BfRHV6R3Qwa0lkOEY5ZW1fRU5PamlDM0ZJckRycGNCdXlRV2wyckRQNzEzdzh6OWxMSml4N0x5Vmky?oc=5) · Pioneer Press
- 2022-05-20 [Annas inducted into the Chester County Hall of Fame - The Unionville Times |](https://news.google.com/rss/articles/CBMiUkFVX3lxTE5hSzR4VkhFYnJQMTdYWHU0UVBiLVcxVXpLQUltbFdkQlg2bjBmZGVjb1poNEIyMDU1NF9aNVhuUGxpLTBNUnhZaklBYlhzYVpXMVE?oc=5) · The Unionville Times |
- 2023-09-22 [First Resource Bank CEO Glenn Marshall to retire; successor named - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPem82VXY1VGVuNWs4dmd1NjBWNjY3bkRpb1VRcjdkY0xVVU51TU9nVzk5WmVqRFJyODYyZzZRSm80cGRUQXVBV05YVGdJckFuSENMc3l4Y0VlRVZ2TEt2RnpKU2lFMk0yeFRFYkVaM1VOVWYzTHh5LVpTaC03TE5PcDAxSVdpN0RXM2NMX3dDc3RLdXc0dGhvVHhPRldCbENPVmtraUZGcHJLelFzcktR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58236 (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/60.json (key "58236", 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