# FARMERS STATE BANK OF HAMEL
HAMEL, MN · FDIC certificate 8214 · asset band <$300M · 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 | $198.3M | |
| Deposits | $185.1M | |
| Loans and leases | $65.1M | |
| Total equity | $12.5M | |
| Loans / deposits | 34.66% (p9 of band) | 73.59% |
| Liquid assets / assets | 64.85% (p91 of band) | |
| Uninsured deposits / deposits | 31.46% (p84 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -50.00% (p6 of band) | -6.57% |
| AOCI / equity | -3.79% (p3 of band) | |
| ROA (annualized) | 0.87% (p33 of band) | 1.17% |
| Net interest margin | 2.64% (p6 of band) | 3.93% |
| Efficiency ratio | 61.58% (p39 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 92% | |
| Construction % of loans | 36.58% (p69 of band) | |
| Auto loans | $350,000 (0.54% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 23 | |

## 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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | deposits shrinking |  |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | NIM <2.5% |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity | capital falling |
| 2022-06 | 4 |  |  |
| 2022-09 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 5 |  | uninsured deposits leaving |
| 2023-03 | 3 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | construction >100% equity, capital falling |
| 2024-12 | 3 | construction >100% equity |  |
| 2025-03 | 2 |  | construction >100% equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

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

- 2019-09-12 [Hundreds celebrate Farmers State Bank of Hamel; Medina based bank celebrates 100th birthday - hometownsource.com](https://news.google.com/rss/articles/CBMiqwJBVV95cUxOeVB3SWlETlE3X2dibV9tQnc5VlNfcUxQREZoOTFxNEc2M3VTV05qQm5uX2lFZFpPSTRrR24tWUtjZzR3dDFnTGFKVVRqcjFDaEtNRWZCbzl5Tkc4VWhNOWFnU2xaM1ZyMjNFU0VFb2U5bExDMW1rVnpXYUFUUUhTOWxmWWlKWTZKNXp4RmlaeDVrZ2VjUlhVcDA1NDl5RndRVk10eVc3RWg5ZGRMcDZHY0Y1QkxEMmdQUTVENkp6dmtubUE3UHF4SEsxdmphS2ljOE0xaHg5dHZhVGo3Y1k4OTMwblpkNFFHd18zMlVPRmtMWGtLTnA1WmxmTkMydllMWTlGc2Zydnp0ZG5MMzB0OXFBaHdXSl92ejlpSElESzBCZTB6SnRyNzJkUQ?oc=5) · hometownsource.com
- 2025-05-17 [Today in History: May 17, 1930 - Hamel, Minn., bank cashier kills bandit through door - Grand Forks Herald](https://news.google.com/rss/articles/CBMivgFBVV95cUxOSklpSTc3MW52UkE0dGk1QUgydkVGa3NJMG9pZjMxbXBDaFVsOW82V3d5dDB1MEt0QXVOYWpFR1pDRE1vWXFPUVpybzg3WkhaSm1pYkVQakJpNXdIcHdmenZiNkNxR2R1LW1sMGFmd2tJYmpSVUFVM0x5NmpubXZGeGtsMVBqQnVHclpoZWJpSzFlYTFPaXlydTVlZTFJTnBURXRqeFgwMzAydDdaNkh0eERBZnF0Wk1oLTZhMW1n?oc=5) · Grand Forks Herald
- 2024-11-24 [Deborah "Bubbles" Bromenshenkel Obituary Nov 24, 2024 - Patton-Schad Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE50RWdFbjNJTzdNR3NQOU5pdXpjb2hhaTNJek9kVlE5NkNOMXhkVnVoUGV6ckVHN3NuTVJmbFE5Y2ZXb3MzOXB0UFVFZThFd1V3d0VJa3FrY1dxbG9DS2trOE1lb0pvck1kYm9nYmNFU0ZRLVV6WkRj?oc=5) · Patton-Schad Funeral Home
- 2024-01-31 [Obituary for Richard Floyd Gripp - Sorensen-Root-Thompson Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBQZTNpc3UzSnRfOW9NSmpyUkZZU3FIZ2NiZWlGQ3FBejhMMmhRV1lWdGdDamJkNzhPeFVvSzBoOHRIVERkcFNMb3FzT0dfS1diQkNINUdCVGEtdTNlM3c?oc=5) · Sorensen-Root-Thompson Funeral Home
- 2026-07-28 [Fans pack new grandstands in Corcoran - hometownsource.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQb0tCYzJMOFhNVVFqSmk0Z2VTQjBUSXBRVi1EWkU5R3VYMThoVDBKdW1vckFNVVFMQWhDUDdVeGJEMXNlZnhEZzRDYWVBWi1QTFZES2VLcnk0WWc5UUtJdVIzRDRudDROemhSbjJJN29vbXVqV0ZXMWV3TXc3dTJuNHNUR3I0dTNxczJxQlE3M1JlbzEtME9pNnNneldiQ21CZVhYX2w5dXQtSGZjMTNRYXNWS09ySUlBX3djX3Z6QTJJUVZVVTJhTlFtRmpabnlTVVh0Vg?oc=5) · hometownsource.com
- 2018-07-01 [Julius Dorweiler to serve as Hamel Rodeo Parade Grand Marshal - hometownsource.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPYk5LeHlBRkV5c2k0bEUtQWtndVhqUDBRS3ViXy1ZRlNua0hrV3FYT1UxTElCckNUaEtxN2UtWU5sM3Fab2l4SGwwRVA5NzhzWk8zWjhtbWFlcEUwU1FLWnpURjV3ODB4N2NaSnd5SHZMcE1jVS1Ba2EwMDd1Z2ZyUE5kUk9NMHZrWWFZZVd1RlBsV2M5c0l1bTEwcWwyZzR1cFE4aFBlMXBGMGxQakxYRzhaa3RqUjJXSjZvSG4yMURpejBOb2xiZkxxTG1xWXBObWVoamlZajJ3czdaRXdWalBQa1FxNkxhU1Y4U05ETzFQWUZab3NfT284NA?oc=5) · hometownsource.com
- 2018-06-10 [Corcoran family has fun sponsoring Hamel Rodeo - hometownsource.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPNFpVU2I4S0dEMFB4NTYzSl9XUHFoRnR2NkRNSTFwbWJXcVBmOVVMZzR4SjhQdTF2Tm5iYXNrcXBnWlFQbEhTZ09MVmRUNDlGcXdIU1NabmdKalc4UHhMbW1CZnpuUnotWG0yS1J4Qm9KRlFfMElYNm05SHBMY0NXWUZxWXFqdkh4bjlJQ05pTVNPM1o5SHY3MHY2cU9VWnpCeUxqNll1bmZRZFBWaTZoOGRoMWRDeEQ3cDI3ZTZyeWZONlczWGJ2WmtNUS00NWhEa0FwVkpSWmNaUjBOdW9VTA?oc=5) · hometownsource.com
- 2017-08-23 [Tom Dykhoff practically lives at Hamel Rodeo - hometownsource.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOZzEzVUlOQ2twTXdLZVF6SlBJd01XZHdGOEo0LVVSZmdvYmNJejdPQTVxQVFFSDdHbDlTaURVdWhEa1E0a0gzS2tWYldxd1lzQWlzWTJiZjB1NDg1VlpraVhZa0VQZWVHUHBwNFJZeUVXclk2NHQzQzdEMnh0dk4zY1NnTGV0c0ZkYXFFamRyeVNvMWprZTBEY2gyVnQybVplX0Uwci1yb194d2VVclZiVi1hN2p0eUZUWmJwdmhmV0dmMmpwNG1lNWF5NTRuend3bWhpSlR3UkhmbGNQdzN1Wm1JVVhiQQ?oc=5) · hometownsource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8214 (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/22.json (key "8214", 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