# BUFFALO RIDGE BANK
BEARDSLEY, MN · FDIC certificate 8219 · asset band <$300M · latest filing 2012-12 · 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 | $49.2M | |
| Deposits | $45.1M | |
| Loans and leases | $28.8M | |
| Total equity | $4.0M | |
| Loans / deposits | 63.47% (p41 of band) | 68.02% |
| Liquid assets / assets | 39.23% (p57 of band) | |
| Uninsured deposits / deposits | 1.95% (p9 of band) | 8.86% |
| Brokered deposits | 0.81% | |
| Wholesale funding | 0.81% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.45% (p19 of band) | 10.05% |
| Unrealized securities loss / equity | 5.63% (p68 of band) | 3.01% |
| AOCI / equity | 1.19% (p84 of band) | |
| ROA (annualized) | 2.14% (p95 of band) | 0.76% |
| Net interest margin | 4.51% (p86 of band) | 3.75% |
| Efficiency ratio | 50.29% (p6 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 1.21% |
| Net charge-offs (annualized) | 0.02% (p31 of band) | |
| Reserve coverage of noncurrent | 11550.00% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $645,000 (2.24% of loans; DQ 1.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.2% | |
| Employees | 10 | |

## 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 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |

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

- 1983-10-02 [MURDER OF BANKER IN MINNESOTA SPURS MANHUNT FOR FAILED FARMER (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbE5qTVZwVTBXMURERm1DS2dHblFZMGpHVXB6NDZnZlhDTnNPNUdnOG1USDMyMzNWX2R1REdaUkg5ZVVMcFlwNm42QkVJRnlaODNXWkpzV0NxdG02Qk1xWWFjS1RhazlNd0tOQjhFRnJnVmRYRTVITEVyS25yakdJSUx0LTlvdFZFdS1Rb0U4d0szMlFlZEtHOUcwVlg5Y3A4NjRUekM2OA?oc=5) · The New York Times
- 2023-03-25 [Rosmary Ellen Hartson Obituary Mar 25, 2023 - Hartquist Funeral & Cremation Services](https://news.google.com/rss/articles/CBMia0FVX3lxTE1heU1DZjZDWnh4VlhVeFJwQzB5cjBNbVVNS05UT0E0MlZWdFV1OHducEZ5c29ld2tBdEZ1Z18ydWtxbUx2Z3I2dzZGVzRJdmlwbkJwa3FZZ2Y4elh6SEZZQVVpenJDV2F2Tl93?oc=5) · Hartquist Funeral &amp; Cremation Services
- 1983-10-03 [A fugitive wanted with his son in the slayings... - upi.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOFVxSXV2VjhzaGNjdlZLaDdKc2NndHNwSTJrdXZNNEEtbFZMRjQzRGtCT1JvTU9RdnhuZkVzMGplUzE1TVR2MGR1ZGxLRXZxaVpJNzczamI1T1RWb3p5MW9OcDNjWVpRT29vR3hIT3lPY09PTDBzSWRXZElmbnRtRWNCM2xsTUtiU0JObjhzaTdQTkJYQXJTR05pbFp1MlNXU1c40gGoAUFVX3lxTE90R2FRbEJ1LTRjdjBGLTNtWUxuOE5HUlRpc1ZveF9pOTR0aTNVejNjdkhDZG9KdGl4bHdKd2ptdkl2NU9QTUlyckc0MjNSZGJjSW5IUHF5R3pUeGZldGs4X0xRU1o4SlZzdHBjRTBUejllbWFqcDktVXRmWER2cUc4SnJUUVM2bzVBUTRCeUZUVklHYkdaVlhxVGJnNlZ6d1I5aFlaVmN5bg?oc=5) · upi.com
- 2019-01-04 [Amid the 1980s farm crisis, desperate farmer, son murder ag lenders - InForum](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZWNCNEgwLXA1OFFlaEkxTGtyalRmQlRyM0p6ekhENC1lS0Q2Wm5NcXR1WnE0SXRRcnRqZFkxSHNIVkFxUVVDNm1Cck9VRk1ianduUkFjX2plSHdJZXdOblpCMW9WeS1Ga2JlOUlvck5wWW44UWpMNHlGVWZkWVV5bHBicEExMndpa0txQ3V2NzlWV2RrTnRXc2JFWTlNWlk?oc=5) · InForum
- 1983-10-02 [Six States Hunt Father and Son In Two Slayings - The Washington Post](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOWWh2VFEyZFFEaGRIYm8wSEc2UFM0dHBZSUEyUmdIRmRiSWw1MkhoNnJ6M0FDNUtrUWJKTjFndVZ3N2lwbzhKN0JRLWVIeV9UY0NXVFhBSEFIbjNJbFNkUmpZcWFDbUxIV3QtblZxaGNqUVVWVXlueE8ySFhHU2FnNjFWajBOYnB5bTA0WXpDTVRWWllfNFplWEhLSS03eWh1ZmxDQzJhV2phQ18taHp6TTNPYzl1X2ZmbDVRdEhSZnJfRUg4dnk3UmoySU1mZHFEWlVWajBBOHNRYjQ?oc=5) · The Washington Post
- 2018-12-31 [A 1980s murder during the farm crisis: A desperate, hapless farmer and son kill ag lenders - Agweek](https://news.google.com/rss/articles/CBMivAFBVV95cUxQallEMDJEOWNTYXdLb0JvcE1jQ3Yzbjl2MVFNeWxQU1IxWk5VVHJDQ1k0V2hTQjNhSjQ4N3M0U0FLT0FOSzRBS2swTUpnMlltSzAxMF83NlI2UEJwS3NyanJCY012dEc5WjVwY1ZRS002bjlwNFJJZGZiR2x4em5jT1A4Wm9sbm9pZjA2YVk4T2x0a2hqV3BLbnItZW9lZjF1TE9NYzJpamgtTDQyY05sdkhkT2xzVkZPckFWcw?oc=5) · Agweek
- 1983-10-03 [A man and his son, on the run for... - upi.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPREQ2NmptNF9wdUxTeTJXQWNFMDNQVU1hT1pCNmRNLXZ2bUtTSzdtXy11eUc4NW5FZk5CeGFKTmY3WHctbXRvQl83SFFzWHRlbUxqSFZKVkxEcE5uRFBWWWl0OE10b0hfT2tOajB6aEVrNThOS3U2bWh6NFU3MW1xQWhibVNmUGFCQm5oZ0QyMTDSAZYBQVVfeXFMUGhtRXNkUkNYNFRXZlZjNk41MFBrSlF4aXk0cGZ4VzVwSmkwd0FUR0dmUjk0VnNnak5Ma25WV2xFZ3JEbFI2MU9LN3dsVHA1Vl9JWWFPSXQzQjYwY0k4eVd6aExSeUFXN1hKZDhRMl8zSEFHNkxxUzFlcl9NVUw1a0w0cm03d2thUHlsRjFoeVcxRURMcW93?oc=5) · upi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8219 (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/27.json (key "8219", 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