# ENTREBANK
BLOOMINGTON, MN · FDIC certificate 59287 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $527.1M | |
| Deposits | $474.3M | |
| Loans and leases | $455.1M | |
| Total equity | $48.0M | |
| Loans / deposits | 94.88% (p81 of band) | 82.04% |
| Liquid assets / assets | 13.58% (p13 of band) | |
| Uninsured deposits / deposits | 38.82% (p86 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.61% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.68% (p74 of band) | 1.28% |
| Net interest margin | 4.31% (p73 of band) | 3.91% |
| Efficiency ratio | 51.28% (p21 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 4238.33% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 56.82% (p61 of band) | |
| Auto loans | $24,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 31.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-03 | 4 | loans exceed deposits, losing money, expense ratio p90, NIM <2.5% |  |
| 2022-06 | 5 | uninsured deposits >50% |  |
| 2022-09 | 5 | capital falling | loans exceed deposits |
| 2022-12 | 5 | loans exceed deposits | NIM <2.5% |
| 2023-03 | 6 | run vulnerability |  |
| 2023-06 | 5 |  | expense ratio p90 |
| 2023-09 | 4 |  | loans exceed deposits |
| 2023-12 | 5 | loans exceed deposits, liquid assets <10% | losing money |
| 2024-03 | 3 |  | uninsured deposits >50%, run vulnerability |
| 2024-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2024-03-08 [EntreBank, Minnesota's newest bank, off to a hot start - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOMUZKT0NIWEhKMkYyMUpIOHdfYUlXdFFKeFkzOHRqSFY4NTZ0bm5KdE5mam9pNzNJYnJkdVBnb2hJdTRDVW14QXd5U3RFazNuZ1o0eHgzSkpHT3FpMnhVbE1WSW9qVm1YbUhTb05xZXROT19CTkhXRmxBYVp4WjNWbFh0R3NWNXN5Z2JWWkJaOGtfbFJCbEdjVXppN2FVR1hheGpJ?oc=5) · The Business Journals
- 2022-03-13 [EntreBank, the first new bank in Minnesota in 14 years, will focus on small businesses - startribune.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNenYtX3BHVmFXQU5IZE9sMFpuT3Z0T1hkV0k3ZXhwTEVoRGc0RUxWRUo1bGlsalVnOUxycVBKWnl6cnpZZEswNTdkNG9XYUVHZlZTY0hwb1pwSk5KSUlvSGlqUk9Ma1dHZFpRWHFDNjRmNGhXZVdnOXBYcFM5SFZmVUtuTTBEYnhOQ0dySGhhTDZzc1YyTmhFZjVoVzI4Z2NNM00xWU1TSlRWSDJPQUxXNE9IRC1ES3gwWlFMdXRrZw?oc=5) · startribune.com
- 2025-01-24 [EntreBank sees commercial and industrial lending double in past year - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdEU3YkcyQ0xqOVdoUGdOTWJtVUpJWHJNMmtscXBWSC1DWkVtQTZBYkJHTk4xQWwtaE85Ynd2c1FGRUVPVHI2Q2k4QTE1QzhUb2ltbVAyYWVMNGl5bnhOdUNld3M2OEdoNFZsQndrMFEwajhVUjBaZml4SHNBMnE4Z1R5UHp0VDY2WlpkRS1hcFZ4QWVkLVh0X29UX1E1TGlzZ3NCSVZBU1hqbnc?oc=5) · The Business Journals
- 2023-03-29 [Ramstad: At Minnesota's newest bank, deposits grew after recent industry turmoil - startribune.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNQjg2NXJWVnpxTk0xNVdCZ29kdzJCak04b01EdFdEMWpvcmJCX3NlYkJvcDBwWnRHSTB6TjladVVIN2M2X3h4LXdCT3VfcXZRVkVscnA3Q1A4ZXlpSFNYUTRqcVV2bEkxbjdxT3VQX3BKZWdGVUJwbWJfSnRvR0tkYmxOT1FtT3B1NnlUcUhXSlN1aVZDRWtQNEl6bGEwOTRqWWV5eHBRdE82UklGZXE0WGQ2aWpnQ1hNSkoxYy1fY1BRQXJZRVVmYXc2RHN5M3g1?oc=5) · startribune.com
- 2022-03-04 [New bank for entrepreneurs and small businesses opening in Bloomington - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxPNFBlc01KblpYNkk5Q0thUUs4UTdfOEpsU2lJUUtfLV9TUGE3eWJfVVFYYUlIeGxYNGR5dzF3b3dzb0U2eHlFRFpJZnNpVzRUUU8ybG9nSjZUVDl0WG9QNGd4d2E1c24xNm5UTHNEN3FNc3ktVnQyTVI5ekdtRDNoVi1OQ21mYjBXNkM3RlJiQQ?oc=5) · The Business Journals
- 2025-05-16 [Women in Business: Melissa Johnston - The Business Journals](https://news.google.com/rss/articles/CBMixAFBVV95cUxOQlBpR2lycl9uYzdIQVhXNFhna3ozODZwVmpxRUhmNEF3bFRYcEpKTGNubjE0ZFJUckdSWjBfdmVpbVFXZ0h6NU5DY3B1NDlDbDBvWTh4eG9XWWdCVWp6UTU0QnZaMl9xdUlWMUl5UTJTckxhdDQ1NHNMV0xXbGVVMTEwaGVCQkFDVTZJR2pnNVJFUXlJUzRsVFlMd2NOclNfTEZKZllQM29TaFJfOFR2S05lR1JoOW9RQl9yM3VTbFpYNlE5?oc=5) · The Business Journals
- 2025-03-06 [Women in Business 4th reveal includes Pentair, EntreBank leaders (photos) - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQSkFmeVQxcXdnY2VFTG10WGJaRFl3Q1JLcDV4N1VXRmI2XzJSS0F3VndoRmFGNzhHMTB6ZW8xc1pOdTVfeDZPYko0d211SjVVT1RKWXM5QllGb1NlSXhXMmFkMDRPcVRYdXBySTZReEJpVUtpd0RvYU1vYzNiWTJwc3lhYUkyYWZkOWZfNjMtekpSXzI1a3pIdGdxQmhtSlk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59287 (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/23.json (key "59287", 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