# PRAIRIE SUN BANK
MILAN, MN · FDIC certificate 8207 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $107.0M | |
| Deposits | $92.5M | |
| Loans and leases | $81.3M | |
| Total equity | $10.6M | |
| Loans / deposits | 86.16% (p73 of band) | 73.59% |
| Liquid assets / assets | 19.07% (p20 of band) | |
| Uninsured deposits / deposits | 13.09% (p25 of band) | 19.81% |
| Brokered deposits | 5.98% | |
| Wholesale funding | 9.21% (p84 of band) | |
| FHLB advances / assets | 2.57% | |
| Tier 1 leverage | 9.85% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -6.37% (p51 of band) | -6.57% |
| AOCI / equity | 1.16% (p97 of band) | |
| ROA (annualized) | 1.36% (p61 of band) | 1.17% |
| Net interest margin | 4.19% (p63 of band) | 3.93% |
| Efficiency ratio | 60.62% (p37 of band) | |
| Noncurrent loans | 1.82% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 104.81% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 7.22% (p34 of band) | |
| Auto loans | $2.1M (2.57% of loans; DQ 10.94%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | leverage <7% |  |
| 2013-06 | 3 | AOCI drag >20% of equity |  |
| 2013-09 | 4 | securities losses >30% of equity |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 1 | charge-offs p90 | reserve under noncurrent, leverage <7% |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 1 | assets shrinking |  |
| 2015-03 | 5 | leverage <7%, losing money, charge-offs p90, deposits shrinking |  |
| 2015-06 | 1 |  | assets shrinking, leverage <7%, losing money, deposits shrinking |
| 2015-09 | 2 | assets shrinking |  |
| 2015-12 | 2 | reserve under noncurrent | assets shrinking |
| 2016-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 4 |  |  |
| 2016-09 | 2 | charge-offs p90 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2016-12 | 3 | assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking |
| 2017-06 | 2 | deposits shrinking |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 3 | reserve under noncurrent | deposits shrinking |
| 2018-03 | 2 | capital falling | uninsured deposits leaving, assets shrinking |
| 2018-06 | 2 | charge-offs p90 | capital falling |
| 2018-09 | 1 | NIM <2.5% | reserve under noncurrent, charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | NIM <2.5% |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 4 | wholesale funding >15%, securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-09 | 4 | capital falling | uninsured deposits leaving |
| 2023-12 | 2 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 5 | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 6 | assets shrinking, uninsured deposits leaving | deposits shrinking |
| 2024-09 | 4 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2024-12 | 3 |  | wholesale funding >15% |
| 2025-03 | 3 | wholesale funding >15%, uninsured deposits leaving | noncurrent p90, assets shrinking |
| 2025-06 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2025-09 | 0 |  | reserve under noncurrent, wholesale funding >15%, noncurrent p90 |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 3 | noncurrent p90, assets shrinking |  |
| 2026-06 | 2 | uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |

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

- 2022-08-26 [Prairie Lakes Elects Two New Board Members - Midwest Medical Edition](https://news.google.com/rss/articles/CBMikwFBVV95cUxQLU9tRms0ZjI5NmE2WTFGdWhjaF9PYWJaN1BqVGl1QXpzUlFveW9xSVlsYnBCeU50Y0hBdnlFZHNtbTk4aHdJMXI3Z0t0eDI1dlNTSk5yNVdWZFBHYnhYRVJ6TFVqUVFYanBKVDU2UjRGME9fczk2ZVpNXzNGcU1DYzA3TlNrRDIyRkRqdDQ3Rndub3c?oc=5) · Midwest Medical Edition
- 2025-12-18 [Laura Marie Thomson Obituary Jan 19, 2025 - Anderson TeBeest Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBFRFN4U0lMclFsSkF4aE0xQUhwNk83T08yN0JYUndzQ0RTSnliWm9VNFZ3LVJwX19HMGtPXzBveVRmZTJOakhLdlgydlpzY1hhUzhvNXU4bXJpWXNvWC1GYUQ0YkFFcUk?oc=5) · Anderson TeBeest Funeral Home
- 2025-01-15 [Wilma Marie Schreck Obituary Jan 15, 2025 - Anderson TeBeest Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBXb2VoM3JoU3BBRklNRUlZYjgzNWRJS0hrWkFlLTZrV2l2S3hsZE9nNU5IdGV1WjJXU1Z5elJkX2ZRTEF4b0ZBNzFqNE5wNkY3ZU9MSDFjOEhUQkx1c3dEa28xS2xLblU?oc=5) · Anderson TeBeest Funeral Home
- 2016-12-06 [Debunking the myth that Minnesota’s rural towns are doomed - MinnPost](https://news.google.com/rss/articles/CBMioAFBVV95cUxQLUhwSDRHRGM3YnA4Rm9hZ0l4RXNRd05Vd2gxNnhzbDNjYUlnbWsydXg1djlRUlFRZG9EcXE2OHd5Mm9zLXlYVlB0WjUwZzFIQ1NjZDZnRHR1VTE2em90QU1YbUJNcFlwWmk4bUY4RjNmUDI5MlhENHdhV0tfSk0zdlpFMUZFUTVWdWpOOVFFMlcwN01RWnVnaldaY3lYWnlU?oc=5) · MinnPost
- 2013-09-15 [Bernice M. Zinda Obituary Sep 15, 2013 - Anderson TeBeest Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5Nd256S0hsOGU1RlJ3ekJiUzJSdzBaMlRXXzVQc3VmcHExRTRyWGh1Mzh5ZWRJR1paVmVKUHBJdHBNa0JjSW1lV291elRkcU9yU0d3czJDREVFOG0yR28w?oc=5) · Anderson TeBeest Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8207 (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/15.json (key "8207", 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