# STATE BANK OF BIRD ISLAND
BIRD ISLAND, MN · FDIC certificate 8184 · asset band <$300M · latest filing 2011-12 · 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 | $44.8M | |
| Deposits | $38.8M | |
| Loans and leases | $14.9M | |
| Total equity | $3.9M | |
| Loans / deposits | 38.12% (p8 of band) | 70.28% |
| Liquid assets / assets | 62.39% (p91 of band) | |
| Uninsured deposits / deposits | 6.76% (p41 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.46% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.04% (p15 of band) | 9.92% |
| Unrealized securities loss / equity | 1.25% (p32 of band) | 3.23% |
| AOCI / equity | 4.18% (p78 of band) | |
| ROA (annualized) | 0.70% (p51 of band) | 0.69% |
| Net interest margin | 3.40% (p24 of band) | 3.86% |
| Efficiency ratio | 70.09% (p42 of band) | |
| Noncurrent loans | 0.15% (p17 of band) | 1.38% |
| Net charge-offs (annualized) | 0.01% (p20 of band) | |
| Reserve coverage of noncurrent | 277.27% | |
| Real estate % of loans | 19% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $181,000 (1.22% of loans; DQ 2.21%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |

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

- 2026-05-21 [Obituary information for Katherine "Katy" Henrich - Dirks-Blem Funeral Service](https://news.google.com/rss/articles/CBMifkFVX3lxTE9BQ0t2cmM1Y05LRGlONVhFMmZzUnZNVXNqTVY0UWdSMVQzT05Vbm9yR01zTGpRVFh4Y2VVcDJwQ21NSmJRVmt3RmU3U2xqUWtSblh6aE9LLVo4Z3JKQldrWG0xYlEzM2QxUnAxek9HSUY4UExMTktFelFrSl9zQQ?oc=5) · Dirks-Blem Funeral Service
- 2026-01-29 [Obituary information for Gerald "Jerry" Wohler - Dirks-Blem Funeral Service](https://news.google.com/rss/articles/CBMiekFVX3lxTE5uMmhQdDA3RnRDZWRNUF81WkcxaXZOYnVfbXVVcnRhcTlteFNNa1lpcVNwZVFVWEZCZjJHaHZEbXQwcTdxR2g3Y01TcnhMV3Q3SnNWcHZBUkg4VXl1TE11MWxHNVNpaFNSR2Vva3dsYXNWeHZxRlZKNC1R?oc=5) · Dirks-Blem Funeral Service
- 2024-02-16 [Elaine M. Lindell Obituary - Visitation & Funeral Information - Wenner Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5JeXVzTHk4d25wZk9TaXVvS3I4Mlc4bnY1OE1GT2ZDU3QtM3hjMnhVek14Q2ZmV25Za2dzUktPRmhtZnppSUt4U3ZUdTBuVjc1ZlNZOWpTbG42T3k3QW9FYy1jaWhUSWFIVm5ROEMwaw?oc=5) · Wenner Funeral Home
- 2022-09-13 [Obituary information for Virgil Wenzel - Dirks-Blem Funeral Service](https://news.google.com/rss/articles/CBMickFVX3lxTE1tMS0wLWdDRzE3YmdSdkwxMXJlRzNfT3dITFZGeVBGZFVPeDgtUUJxbmhEbmR1NGVtVUxQcmVDWVI1Y1VNb1czWmpmVnc2MDJIWW44aEkwWjNzb2VYU1pZVFBTazMzaFE5ODFsN3FaeV80Zw?oc=5) · Dirks-Blem Funeral Service
- 2023-03-07 [Obituary information for Anthony "Tony" Ziller - Dirks-Blem Funeral Service](https://news.google.com/rss/articles/CBMiekFVX3lxTE1TdVpHT2ZWZG41T1FjakllcnZNcUpBWk0wRU9PeUtEdGpSaGpYTEt2RkFBRVNfTkxhWTNtNl9jMkNnUk5IVzVsaDhLU0hqenBYeFRkOTRtTXVFVzFUSzZCX0o0eGl5Sm53WWRmWWZmbW44WVgzRnBvcFNn?oc=5) · Dirks-Blem Funeral Service
- 2014-10-18 [Obituary information for Eileen Halliday - Dirks-Blem Funeral Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE5lYml3bGtJdEZyeVBLMGVQNmxiYk0wRXJLOV9DT1llSzlqX1lvdjJtWl80cGZMakNneGZGOXU4TFZwQ3NJZUgyN3RsODRydnlwR0FlSGRmZEV3Y0dhZHFubVhoWmhSVlFWOE93Z1NxNEZGZ1NZ?oc=5) · Dirks-Blem Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8184 (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/56.json (key "8184", 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