# AMERIPRISE BANK FSB
MINNEAPOLIS, MN · FDIC certificate 58303 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $25.48B | |
| Deposits | $23.94B | |
| Loans and leases | $2.63B | |
| Total equity | $1.49B | |
| Loans / deposits | 10.94% (p3 of band) | 85.78% |
| Liquid assets / assets | 88.62% (p98 of band) | |
| Uninsured deposits / deposits | 1.54% (p4 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.38% (p8 of band) | 10.17% |
| Unrealized securities loss / equity | -34.97% (p4 of band) | -7.43% |
| AOCI / equity | -10.46% (p1 of band) | |
| ROA (annualized) | 3.05% (p98 of band) | 1.24% |
| Net interest margin | 4.44% (p87 of band) | 3.57% |
| Efficiency ratio | 9.99% (p6 of band) | |
| Noncurrent loans | 0.18% (p11 of band) | 0.66% |
| Net charge-offs (annualized) | 0.01% (p17 of band) | |
| Reserve coverage of noncurrent | 249.43% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $164.3M (11% of equity) (p59 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 186 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 8 | capital falling, losing money, charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-12 | 5 | deposits shrinking, assets shrinking | brokered >10%, wholesale funding >15%, capital falling, reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 5 | expense ratio p90, uninsured deposits leaving | losing money, charge-offs p90 |
| 2013-06 | 4 |  | expense ratio p90 |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2014-03 | 2 |  | NIM <2.5% |
| 2014-06 | 3 | losing money, NIM <2.5% | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 1 |  | assets shrinking, losing money |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 3 | losing money, assets shrinking |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | expense ratio p90 | assets shrinking |
| 2017-06 | 1 |  | expense ratio p90 |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 | expense ratio p90 | capital falling |
| 2019-03 | 2 | losing money | NIM <2.5% |
| 2019-06 | 4 | capital falling, securities losses >30% of equity, NIM <2.5% | losing money |
| 2019-09 | 3 | reserve under noncurrent | expense ratio p90, securities losses >30% of equity |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent |
| 2020-06 | 2 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving | capital falling |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | uninsured deposits leaving |
| 2022-12 | 2 |  | NIM <2.5% |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, securities losses >30% of equity |  |
| 2026-06 | 1 |  | capital falling |

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

- 2016-12-08 [Ameriprise Financial, Inc. to settle discrimination charges, pay $128K in back pay, interest to 20 black employees - U.S. Department of Labor (.gov)](https://news.google.com/rss/articles/CBMiaEFVX3lxTE43bDRRTTdkV0E3VTk5Tk5nOE84aHhiZklyRXo0a3Nmay02ZXVRNlZuUVVSUzFubmlMQmJuWk4wdWdGVmRtNDNyM1E5RW1rY01hM1R6VGt0VGRoYnVQeW9SNDdHRGFFbHpB?oc=5) · U.S. Department of Labor (.gov)
- 2016-03-03 [Ameriprise Financial, Inc. Form 10-K - SEC.gov](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOczVONE1zbmxNQU1MRWdKS1FXT2c1SlZyZzhnMUE1YjBZSUFzTTUxemlKSlRYMzI5bmhqdm1LbmlDQVlwUkZqeHBHY1RTWlJoSWhUVkplblh3NUtULWxJOW1PODJRNUdjOGpkR0VKeHcxd2ZIakVheWxodWdObmxKbmFBVnpkWVk2Umw0?oc=5) · SEC.gov
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2026-04-23 [Ameriprise Financial Reports First Quarter 2026 Results - Business Wire](https://news.google.com/rss/articles/CBMisgFBVV95cUxQbzc0MGNhaTFzbEg3aUJOSnR2SXIxNHRkOF9kVTRxbXNDOUh1TDgza1Flc0d6QVZZZUFZSm80QXBBUFFkTHc1TXQxUThUM1lVSkVXYThFaEFiN2NsMlg2UkJBN0NYT2FreWtrZ2Z6Wm1Yazd3STMzb1hrSDRVZVBYRHdtRjVGNnlkS3dOelF5VTE0V3JTYldTRnBLTlRaWkg0SDlSTUNoT2JzMXFnU204TWZB?oc=5) · Business Wire
- 2020-06-25 [Abu Arif has been Inducted into the Prestigious Marquis Who's Who Biographical Registry - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOQVFFd29NY2JWRVZzV2dVTTdsUkQ2emVnRW94TXdoQU9zWUhGRjloMHlpRFFoUWs3RXpnc3BJeVc3cTloY1ZvX1d4MklTcF81b181Y1NhNU43aGd1cnRENnNZdUpYMXdQM1NueGdkcDM3MDdSemZKNVB3cGZyNUh5aThhbjhfRFVGUm1wNC01MGNBVXBibFNBWkhicEdOcUV0M0lnTDNOaGVhYWw5bVpkWGNxSEdCbENiSnpGbHVCMjI1WUlqdzF5VWF2NlNRS29YOGZnaFV2aw?oc=5) · 24-7 Press Release Newswire
- 2026-08-14 [Ameriprise Financial (AMP) files Form 13F showing $494.7B across 11,508 positions - Stock Titan](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSDEyOEJzVmd6UlREVkFxcXVLUE1hYlU5TzZEczdzYXR4cEhzTXltVTNtNGh0VzNLOFdWNVZJTzVUbHREOEFOSkxtSHZmYmdQM0NoZVVIWEtjLWJPTUVta1RTT1VfLXlIREFaRUlPZU9hS3VHaU5QTm5YVmFJcEFIV2FIdDRoUnd6VHR6YldDa2QtaUFRR05rSjZBYVpVTF9OUU52OGhR?oc=5) · Stock Titan
- 2016-07-29 [ameriprise financial, inc. - SEC.gov - SEC.gov](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOM3U2elp0WVh4bEtqWmdQU2VaQUVQWTJST2FhSUwzSjNSZ0pQMGZIczJEYUJRTk5waTZiM19nOVBOWHZ2VTFvTUF6UzFnS1NQX1M0TmdaZS1EZmd3dk5jdkxObTU1NW1Dc0V3alFMbk0yUFUyU240bnZyWmVhaGJBX051V29IaVptWFdr?oc=5) · SEC.gov
- 2016-06-25 [ameriprise financial, inc. - SEC.gov - SEC.gov](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSXQyNjRLOHYwOXNpcHFNQ1BHeHVEVmo5eU4tTGJJLUprQ3hsanBFQmFlb0QzbUNGZGxua2RwQVdRODVLTEtISldEcXVkdmhGdmZYR3JDbGs1VUUyRzIxQ1RRazdOUThmVHpEelF1R2ZqWG4weEw2TjFud0VDd0JHN0dqNGVkc0NPb2J3?oc=5) · SEC.gov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58303 (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/63.json (key "58303", 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