# BANKCHEROKEE
SAINT PAUL, MN · FDIC certificate 8537 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $401.9M | |
| Deposits | $333.5M | |
| Loans and leases | $292.5M | |
| Total equity | $42.8M | |
| Loans / deposits | 86.62% (p63 of band) | 82.04% |
| Liquid assets / assets | 24.76% (p50 of band) | |
| Uninsured deposits / deposits | 13.91% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.72% (p61 of band) | |
| FHLB advances / assets | 5.72% | |
| Tier 1 leverage | 11.01% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -9.83% (p44 of band) | -8.10% |
| AOCI / equity | 2.85% (p98 of band) | |
| ROA (annualized) | 0.15% (p5 of band) | 1.28% |
| Net interest margin | 4.07% (p59 of band) | 3.91% |
| Efficiency ratio | 73.86% (p80 of band) | |
| Noncurrent loans | 0.17% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 751.75% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 3.57% (p8 of band) | |
| Auto loans | $339,000 (0.12% of loans; DQ 2.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-02-18 [BankCherokee Launches the Alkami Digital Banking Platform for Retail and Business Customers - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNaXVvbkNQTUFiWEJQTWRDQ3d5a2FVVy1GNXY4MGIzb0NWQ3Q0bG9EVk5RZ0ROamNvR3A5cmF6N0xlUE5PZ0s2R2hUcTZDY21oenkyQ3ptNWxwUy1mT21hV3Bzb2Zqa2tZU3JhSTNtVG41ZTBRWmo3aWlQb3pFUWZWZ2hyaHpvRVgwR2lnaGxEZmlWNGllOF8xb2Fwb2gyQVgzOGk2MjVoVktEZFJXdGVPdlAtdzlzVFh3Q19rc3JsQXlOdzY5Uk1sbEFkSmNsRmxQWWQ2UUV5b3NjWncxWEl4WA?oc=5) · PR Newswire
- 2026-02-23 [SBT and BankCherokee go live with Alkami - FinTech Futures](https://news.google.com/rss/articles/CBMinAFBVV95cUxOQ0hzcmdWV0dIc0hOSlYzYW9mNkIzdnR5aHBZZnJqRTM5eWpkX1JXZEFDYlJUbFJNejd3TzlFbkUxQ2lFQW9zaENtdjNJVG9oekZKUXhGQkdOdGtWZGlCcnJHRGMyNllnNl8xSHBycGxvTjRJeE13bEw1STFiUldsOERCVW1iTy1LZTFBV01VY1BOeHNHb2gwTG8zSEU?oc=5) · FinTech Futures
- 2023-10-01 [BankCherokee Celebrates 115 Years of Family-Owned Community Banking: Insights from Heidi and Andy Gesell - communityreporter.org](https://news.google.com/rss/articles/CBMizwFBVV95cUxOb05JQ1RfZGFQMFJucWQxUWtGYW5zUXdidXpib0NYNTlMbnVqTjdUanlMejFoNzJDSG1jOVc3UVlyWEk4dldsQzcyMHZDRXFhWExGMWEySUN4aEFCbV9RQ29hLXJKZ1VTNTZTLUhZY0RiX05BYW9xdHowekFXN0VITWVSajVJNWYwQjUzeENRNXo2VjFkakhhVExzX3VqSDJGeDg3RV83V0NzTzEzY05FMl9xRGNoTEFycUplbmU5Q1pFRzBKSWFrZDRDTlR3aU0?oc=5) · communityreporter.org
- 2021-08-29 [St. Anthony: Aggressive Hydraulics, started by laid-off factory workers 20 years ago, is expanding again - startribune.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOR2FHeEFtNWJ5NDRwTVU4SkJacTdZMHEwZ0l4ZmdxRUtsN0tVWTZSMF9WRDhqT0Z0azV6Mk14dVc5RUw0Y3k5YjVyQ09pN3VNWGZQSVlwVFp2Wm5wclNMbFdKbUxpSWlBczQwOVMzYmY3ZlVyWmVqTjA1R09CRHhMc3otS0x6LXp3cnE2QUNIY2RCWEJ4bnQtUVBMWGN0U24yLVdSYW5zaG5oTmdYLU1zRmR6ak1aa3hoWlFHZ3FNbFpPUFJfRjVtQ2RMSVpHMW9zaXo0Yw?oc=5) · startribune.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8537 (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/25.json (key "8537", 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