# BANKNORTH
ARTHUR, ND · FDIC certificate 8387 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $694.1M | |
| Deposits | $549.6M | |
| Loans and leases | $615.0M | |
| Total equity | $77.6M | |
| Loans / deposits | 110.73% (p97 of band) | 82.04% |
| Liquid assets / assets | 6.06% (p1 of band) | |
| Uninsured deposits / deposits | 18.83% (p24 of band) | 25.97% |
| Brokered deposits | 4.02% | |
| Wholesale funding | 12.54% (p83 of band) | |
| FHLB advances / assets | 8.36% | |
| Tier 1 leverage | 10.32% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -1.26% (p84 of band) | -8.10% |
| AOCI / equity | -0.14% (p63 of band) | |
| ROA (annualized) | 1.94% (p85 of band) | 1.28% |
| Net interest margin | 5.03% (p94 of band) | 3.91% |
| Efficiency ratio | 54.78% (p30 of band) | |
| Noncurrent loans | 0.58% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 181.77% | |
| Real estate % of loans | 33% | |
| Construction % of loans | 5.22% (p9 of band) | |
| Auto loans | $2.8M (0.45% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | loans exceed deposits |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | loans exceed deposits |
| 2012-03 | 1 |  |  |
| 2012-06 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2012-09 | 4 | capital falling | reserve under noncurrent |
| 2012-12 | 2 |  | wholesale funding >15%, capital falling |
| 2013-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2014-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 4 | wholesale funding >15%, capital falling |  |
| 2014-12 | 3 |  | wholesale funding >15% |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 |  | wholesale funding >15% |
| 2016-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 4 | wholesale funding >15% |  |
| 2016-12 | 3 |  | wholesale funding >15% |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | uninsured deposits leaving | assets shrinking |
| 2017-09 | 5 | wholesale funding >15%, capital falling |  |
| 2017-12 | 2 |  | uninsured deposits leaving, wholesale funding >15%, capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | wholesale funding >15% |  |
| 2018-09 | 4 | reserve under noncurrent |  |
| 2018-12 | 3 |  | wholesale funding >15% |
| 2019-03 | 5 | noncurrent p90, charge-offs p90 |  |
| 2019-06 | 4 | wholesale funding >15% | noncurrent p90, charge-offs p90 |
| 2019-09 | 4 | capital falling | wholesale funding >15% |
| 2019-12 | 4 | noncurrent p90 | capital falling |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 1 |  | loans exceed deposits, liquid assets <10%, noncurrent p90 |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | wholesale funding >15% |  |
| 2021-12 | 1 |  | wholesale funding >15% |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | liquid assets <10%, assets shrinking |  |
| 2022-12 | 0 |  | liquid assets <10%, assets shrinking |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | loans exceed deposits, deposits shrinking |  |
| 2023-09 | 4 | wholesale funding >15%, liquid assets <10% |  |
| 2023-12 | 1 |  | deposits shrinking, wholesale funding >15%, liquid assets <10% |
| 2024-03 | 2 | liquid assets <10% |  |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 3 | uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2025-03 | 2 |  | uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | wholesale funding >15% |  |
| 2025-12 | 3 | capital falling | wholesale funding >15% |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2026-04-08 [Arthur residents react to bank theft sentencing - Valley News Live](https://news.google.com/rss/articles/CBMikAFBVV95cUxON2Fmc1R3VEY2VS1xUFJ6UnRyQzhDZXd1TjRMMi1lalVQdGlLbkJrc2hTeFVaaDJQOWIxb0VLV01ST0FHLWlJT3hyd3hRUG1zUDVJdjhVclJFYXE0VnlkYmpMUFFMdTlEa1NBWWZmS2kwQzJqMWpueDdkRGp3aW5vNzBoUzRGazUxV3hGSkU2c1_SAaQBQVVfeXFMT21xdm9EWFpfSmJHbUVHZC1QLVlmU0JKWUJ3dkZWUHVQUTFTSk5iS2tjTGV4bzBmSzg0LUpsZlBETHpCZ1B6VktfajFSeExYLXFEZUFHWXB2cVozeGNLbDlad25lbXNFRUtlT0FNRVBGTk5rRFM0LTJ4ODlXT09PZ3R1X2kzV3plQTIzTEZQaks5TTM1M0hnYUl4cTRReEVwem1vdEs?oc=5) · Valley News Live
- 2026-01-23 [Casselton banker elected to Federal Reserve Bank of Minneapolis - InForum](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbFRlRXFweXFCWGRka0liTWRMcXBnMjdsZm11SEtiQlk0dlIwZDRpM29oLUFPdVJ4YktCNDRLZ0VOdV9PWFE5ZHhlbUF1NkhpTEFOMzNzdkI2RGZNTW1IcEs3Y1JhMmhMMENKaDMwQXpWbU1GUXBHcUhpTzk0REcxd25hRmlDYnF6c1hsbjlUYVhyUm5QcThQaFcxUjU?oc=5) · InForum
- 2026-01-22 [Bernie SinnerClass A Director - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBGVXBuM0NlZjF1ZndRZzk1dEtEb0hCSmlnTzNiQmctd0Z4c21WTFF4aWtmYjNRVUg4NmJveEFYNWVZUFFtNWhxaEM4TE44T1hEc3YyUlRkWVFfbjNtN2M5aw?oc=5) · Federal Reserve Bank of Minneapolis
- 2025-11-26 [Federal guilty plea entered in Arthur bank case - Valley News Live](https://news.google.com/rss/articles/CBMikAFBVV95cUxQclY0cTZZU1ZZb2t1UEU1UkNkY05TdlltLU8xdUFmWWVRX01kWU9OU3ZhemE1OXZ5YngtN0wtd3psTks4YnNlcExGMnJlYWdBcXNIb2xSTFZjdF9kb2Q0RHZMVnR3R3p6ZjdjSWYtOEZSSGZfUkMwZklNRVF6MnVBOWxiQ3FyS3E3UGFucVJTS1HSAaQBQVVfeXFMUFlaQ2txWWgtVkoybGk1SU50cU5IbXRFdjF5eGFwZk1ybnpmTkFXUndhQUpuWm54bFNhUlZvSEtJSndQX01NSjVQX2pGT1IwMVcydGxfdWw1MExKWEdrNWROMTNWUTUwUV9aUDI5QjBLZ1pGY2I0WHBmb1VkM3VFU2J4NkxMZjU1WU94ZjdqRTRtUjZaVEdUVjlLWlZhTnFpMXhhTnE?oc=5) · Valley News Live
- 2009-08-17 [Banks Move To Rebrand By Changing Names - Hartford Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxQUmgyOXEya2loVHczaTVjclhtWC1NOXJVUmw1amVxM2w3M2FlY0tuWFUteTM0Q3FfRHo5TDdjNURfa2NJRWtkSXJjNTNXZ1RxYktRZnJUUDBDOFBsZVpnRGwyYVhIN0NlWm4wN3B3S0JNTUtucks5a1EwREhhR29MLTFnRQ?oc=5) · Hartford Business Journal
- 2003-12-10 [Cape Cod Bank & Trust sold - Cape Cod Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxQOUt6WURyazVEbjVLc1Q3SE4xVjI3V3dfaW15SjRRazE4aEtHU0RlV3hqbVpLYlJfN0ZxaE43ZWZOWWk2QUg0TTEwVXZodFBnbUFoUEtEeWdOR2xzTnJDMmVhOHhPOER0blFaanYycEJJMV9fWWVXenFyWklCQXlzTDRONFlheEJZTTNjUnItdXBWQQ?oc=5) · Cape Cod Times
- 2017-05-12 ['Last real bank' Merchants to become Community Bank on Monday - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxNQnRrZ0tjdTFpTFZWUG9OOHI0ZC1iWU1vRnZLMUpaR213ekc5cnQtekZwbllzeS00TkFIZm5VdUNLLTN3b2JfMjd5TE5Wel9PRm11aVB3SUtoSXZWOTMxLUZnSDJxTF9iQUF4V3h3eTZ6bVhjUFlTTDBseE12REV0N0otdHNydTRwcm5mVUkxdFBmMERGSF9pbg?oc=5) · Vermont Business Magazine
- 2016-08-14 [Local residents promoted by Middlesex Savings Bank - Worcester Telegram](https://news.google.com/rss/articles/CBMixwFBVV95cUxOeWRWdTRiaElxNVhvUURTMXEzZzNZcWFSZ2ZROUdjdWtZazMxbHo0eHFham1UVFFrY3F2QnNDd1EydVVaOGw0OGhaS192QUZ2b1g2S1dQYjB4M2VNYlUtcFppZFItby1TamtyVXUtWU8zbzFzdVFOb09ydExJRDFka1h0OGxKY0kzOC1rSi15c19WU3Q4YzlGQ3hST0xBM1BlekQwNVFwZjF4bTgtcVRwMVdPUEVEenk3RnJZSk1TcU43bDBacXgw?oc=5) · Worcester Telegram

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8387 (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/3.json (key "8387", 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