# SENTRY BANK
SAINT JOSEPH, MN · FDIC certificate 8546 · 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 | $415.5M | |
| Deposits | $365.0M | |
| Loans and leases | $309.8M | |
| Total equity | $37.0M | |
| Loans / deposits | 83.84% (p55 of band) | 82.04% |
| Liquid assets / assets | 21.56% (p37 of band) | |
| Uninsured deposits / deposits | 23.04% (p40 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.89% (p47 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 8.66% (p8 of band) | 10.81% |
| Unrealized securities loss / equity | -14.19% (p33 of band) | -8.10% |
| AOCI / equity | -0.60% (p37 of band) | |
| ROA (annualized) | 1.26% (p49 of band) | 1.28% |
| Net interest margin | 3.99% (p54 of band) | 3.91% |
| Efficiency ratio | 52.98% (p25 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 80% | |
| Construction % of loans | 86.37% (p81 of band) | |
| Auto loans | $3.5M (1.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 21.9% | |
| Employees | 47 | |

## 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 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 2 |  | charge-offs p90 |
| 2018-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 0 |  | charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling | deposits shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | uninsured deposits leaving, capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 0 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-05-15 [St. Cloud Council to Vote on Sentry Bank MAC Sponsorship - KNSI](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaER5ZnUtYmhVZzhyUUZZa0poSzRmdEIxWHhYcWZBQzNBb0hacmxLcXZVendJbjU0QVF0U1QzWl9TSG9xVGdpYWFzNlhwQmRSWG1XZjlYT2MwTUY1bUc5c3NvQWd3dXhkM1N0X29vb3NRdlRZS21MSkpEaFNBNE5xV3JyWGt1UUt6Szg3UmpnT1o4MkU?oc=5) · KNSI
- 2023-10-30 [Halloween Joy for Kids in St. Joseph at Sentry Bank Trunk or Treat! - 98.1 - Minnesota's New Country](https://news.google.com/rss/articles/CBMioAFBVV95cUxObGhtRXE3djRRLU02VUpPQzloUDd0WVBxNWducmQ3RjFkUVN5a3VxQVNDcXNfYWE2Ulp2Nm1aMUtTci0tcGdNS212TDRYWGI3UnRlQzdEemxET0dDUVM5dkpET2g0QWpSdzQ5aE5RaFlYTVhJNzc1dV9qSmRmUnZrRUZjcC1VNDNxblhJQk1PSjVMS2gzaHN1NzFCNHZmM2Rk?oc=5) · 98.1 - Minnesota's New Country
- 2017-11-16 [First Sentry, WesBanco agree on merger deal - herald-dispatch.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQeDRfa1I1UlhxTXhSd2IyaDY3eXA3VkFMZ0MxbEczYjBPemRESzFqZTlydGZ6RnJQUHYzY0dVOVluNHhJVVRyTjhUU19kZE5iRWN0MEJfSVpscGIwOVZjZ0dxelNIdG1DNXU3TW9taUgzRGROblN5alZwRS02UzFvZGQ4NkVQYThzejdzZ2dXd3lKbjNzTGZMTkEzdmJJYnNObjNBajFHcklqSVZpLUUyOHkwcW1UYWhIdlBGTEV2RkNJTkdfdElfWg?oc=5) · herald-dispatch.com
- 2021-03-27 [Emmalou "Emmy" Torborg - Daniel Funeral Home & Cremation Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE5iejl6WVp6U1Y1aGdYNThTUWI2VHk3ZW1nUWhhZEsyVF94eEVkd2Q1SWFZT1RDUkNhUURBZE90YlpNUE1qNGJpazRlMkk3ZTUtelI5WmFNZjZlODVHcE1ESzMwQndJclhjU0dHbg?oc=5) · Daniel Funeral Home & Cremation Service
- 2017-05-16 [Jacob Wetterling Community Center Planned For St. Joseph - CBS News](https://news.google.com/rss/articles/CBMidkFVX3lxTE16bDJzeUNYTDRhUExFZVVQcXhDV1FYcTZGcFFONmhGclQ3YWNJMVl1RE9WdnNzUVctZkZIZDdkZXBXVDNKbGk1Y3R3anlTRWg5dWRGYjY1NWptTkYtRXp2MHdURnZCUVgwdlR0MjhtMk55cU1kVEE?oc=5) · CBS News
- 2022-06-24 [Small Town Friday: St. Stephen and Their Slovenian History - WJON](https://news.google.com/rss/articles/CBMif0FVX3lxTE5yVnhKTTZyczYtNkhKa0M1d2pnOWFCcXZRcWhFT0JFZ05qSWFRUkNYZlUzakRaZW1FdmIwQy1uRnp6b29iRUYwSDhCM01ZTEg2OGd5YkMwc0hpTFdRMzJCNHpSM21nazFXQUU1RktVemhrM2J2TTlPaE9YSFdaelU?oc=5) · WJON
- 2019-07-21 [Landmark structure to become United Bank Building - herald-dispatch.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQZ3Y4aVdVc0F1OVhoRFdpWlI3QnF1UWZEeUJRY0NMd1RCSGVmVDcwYnExX0dpaGllWjNmUFRXUmZkblNBZ0d5a2xLQUxBTTl4bFNFRzRSMjFRYkRzc2hsb1dIb3Z6dTIyNkw2S3hNY3NrVW8zbkVjUTAyRXVnZXVQX1h3SURiTnpTSDU1UE1rQ2pud2pZZEVibWpuUjlod1JjM1J3TXRjY0NXS0dySXc1N2J4OHFkaHhpWnAwQVVaUHk4bm5hRkUwNnllTG5FTWVkZ1ltWU93aw?oc=5) · herald-dispatch.com
- 2019-10-05 [Photos: Youth League Soccer Games at YMCA Kennedy Center Field - herald-dispatch.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxPbUVrR1ZhMkxzb0FpMFBQSkxvMUE3cnlsNW5aXzM5LWdSXzJJdzk3Zkd1U0I1bWNhallacGtOOG9uTUstXzk3bHhGRkhZMDFWa2pSNm92S0NLdUU4eDItelpkYlZVTDYyOVdBaGFxcmd5RUpGbzg5TVM4enk1NTRvTWxTRk56QlBzYXVZUUpyNkFHNlg2dUk3XzFNMm8yMk93cjVGdzgzS1R3NllzNWx4SG9QMVNBNXkzUzFKVWhNNDhrSHZKcFFKQlhXTklzQXExRWVBMG9zZERmaDFfV2I2cGl1eDQxVWxUOEdzdVYzN00tQXNoNzlCZkxBOGt2cmtiSXcw?oc=5) · herald-dispatch.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8546 (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/34.json (key "8546", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide