# ROLETTE STATE BANK
ROLETTE, ND · FDIC certificate 9120 · asset band <$300M · 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 | $51.5M | |
| Deposits | $46.0M | |
| Loans and leases | $37.4M | |
| Total equity | $5.2M | |
| Loans / deposits | 80.41% (p63 of band) | 73.59% |
| Liquid assets / assets | 24.53% (p31 of band) | |
| Uninsured deposits / deposits | 15.57% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.87% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -0.44% (p83 of band) | -6.57% |
| AOCI / equity | -0.88% (p30 of band) | |
| ROA (annualized) | 1.54% (p69 of band) | 1.17% |
| Net interest margin | 4.68% (p83 of band) | 3.93% |
| Efficiency ratio | 67.22% (p54 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 2460.00% | |
| Real estate % of loans | 22% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $23,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.3% | |
| 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 | 1 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 0 |  | capital falling, reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, expense ratio p90 |  |
| 2014-06 | 0 |  | capital falling, expense ratio p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 4 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2017-12 | 2 |  | loans exceed deposits, assets shrinking |
| 2018-03 | 1 |  | deposits shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 2 | capital falling, reserve under noncurrent |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 3 | uninsured deposits leaving |  |
| 2020-03 | 5 | capital falling, expense ratio p90 |  |
| 2020-06 | 2 |  | noncurrent p90, uninsured deposits leaving, expense ratio p90 |
| 2020-09 | 3 | losing money, charge-offs p90 | reserve under noncurrent |
| 2020-12 | 3 |  |  |
| 2021-03 | 0 |  | capital falling, losing money, charge-offs p90 |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 4 | capital falling, losing money, expense ratio p90, NIM <2.5% |  |
| 2022-06 | 2 |  | capital falling, NIM <2.5% |
| 2022-09 | 1 | reserve under noncurrent | losing money, expense ratio p90 |
| 2022-12 | 0 |  | reserve under noncurrent |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 0 |  | deposits shrinking, uninsured deposits leaving, charge-offs p90 |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-01-21 [The Best Savings Accounts in North Dakota for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMifkFVX3lxTE9uOFFhQi1zZXdkR2JIOFB5RTRQZElGTTFYc1FCbWNnMllPT2dhSVJDTmN2UWZQYWd2RWhMMURZWnhERFNXd1NTNnM1ekd4b0lvZngwYTB2a1pGejEtXzJnamxMb3lrUWpWUDBOMmc0QmFDTnNlZEdvNmw3M0s5Zw?oc=5) · MoneyRates
- 2025-12-04 [Today in History: December 4, 1984 - Rolette, N.D., grandma bakes into business - Grand Forks Herald](https://news.google.com/rss/articles/CBMitgFBVV95cUxQNVJvcEg1dzQ3VGJ5bEQwdTc3eEFwR2d2TWpoaTZuU2taTmRjWFNiQkttUmlHaVQxaWoybXJBWlJPSUFUWF8zX19zVmt4RFUza09DdVg4ODAxWXRfUDZZQ1F3MlNXODNTTHltTXdNSlNia3JUSHBrQnNmU25KTVMzMFBNbnBLNGx3NmFWcVVmMEpobllmMEk4d3YwbjBnT01ibkp3OG9BczZkMUUtUzhObkkyVnpMZw?oc=5) · Grand Forks Herald
- 2005-06-13 [Rev. Albert Ordene Tastad Obituary Jun 13, 2005 - Gilbertson Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1McnRWVHlsajVZTEIzdmJhbjR3Yi1YbU0tSzJhajZqOU5KYk02SU94WmVSYWxuVU1vMmE4MVRRZ0FINEJISkxZVGM0cDZKTFlMMmxlMDhCN3FaMDFmMy1NdWVGQjRUdw?oc=5) · Gilbertson Funeral Home
- 2011-06-30 [Harlow Hageness Obituary (2011) - Bismarck, ND - The Bismarck Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVm5PMXJ0eUVERFRqZTZtUEFjVU5ib3hTYTJ0QUlnc0diYTd1a2Z2VkFPUGdHUDgweGFyQ0cxcVZJdUlmYXp1Rjl5THF5UW4xSjdLQ0V5SzA2UGEyZTQwZ3htZzZnaDY1cjMwRi1fYXAyR3R2T2h2Y3AtWS0tVTJWZVA5bWYwZG80cUU2UncyVnRZNnZwQy14TEpn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9120 (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/32.json (key "9120", 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