# STATE BANK OF LAKE PARK
LAKE PARK, MN · FDIC certificate 9351 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $47.0M | |
| Deposits | $42.5M | |
| Loans and leases | $26.3M | |
| Total equity | $4.3M | |
| Loans / deposits | 60.72% (p31 of band) | 73.59% |
| Liquid assets / assets | 43.69% (p69 of band) | |
| Uninsured deposits / deposits | 6.33% (p5 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.98% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -18.01% (p26 of band) | -6.57% |
| AOCI / equity | -1.20% (p23 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.17% |
| Net interest margin | 3.74% (p40 of band) | 3.93% |
| Efficiency ratio | 60.53% (p37 of band) | |
| Noncurrent loans | 1.52% (p80 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 115.00% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 22.90% (p57 of band) | |
| Auto loans | $1.2M (4.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2013-08-22 [David A. Larson Obituary Aug 22, 2013 - Wright Funeral Home and Cremation Service](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5IWDZMOWxvbXl1T2pXdW83MlRWY1F6QURXdUo4bTBBMGx6bXl3bjZEajluY2RxQUtJMC13MTFscmpBT3hTTjFNTTlIQnNNV0pLR0JBVXVFSEhMSXNJb1ZPWjVYa2Vqdw?oc=5) · Wright Funeral Home and Cremation Service
- 2026-07-03 [Herbert William Ladwig Obituary Jul 3, 2026 - David-Donehower Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE16Qm80VWdNR0FUNVRlQk1KelJfdzU3MnhrQ1VhRFEzTVNDQk1ZWXhNNW90RU5aYW1CY1g4aTZsSUVpUlFPOGtSSUtyam9MOVpnSFBwUThXZU52d1JMZXJNaWg3M1pWVVE?oc=5) · David-Donehower Funeral &amp; Cremation Service
- 2007-09-28 [Lake Park man charged in Hitterdal bank heist - InForum](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQUxJMHEtbXg4VEVPSjR1SlhLTm5ZeWtuVzBsZ0lHMkNTaGkwZG1XTHE5dVJya2lQSjlGNjA0LXBUdmJzQ2lHV0hYc0FQR01WdlYxUm5WaHRhVGZIRUtWUmFNZEVrSi04UFNPenB2Y0dNN0cyblJTZHNCSlRRMVZCVGl3?oc=5) · InForum
- 2013-12-27 [Your town in focus: Lake Park getaway to the lakes - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxQY0g3SFI4dHNoSlZhaEdTa1FYclpleU5sb0ptWE02MUY5U2prTXpIRkN2ejVqUWRCQXRhbGNZbk43UXZ4bW5obkp6YUlOLWQwb0o5WFZYcUt1Wnh4eU1xM1RXcXQxN0NTVUtuM0hBcnk5MDhWaHVCanhsWFlzbERNWnhwMWl5Q1U?oc=5) · Detroit Lakes Tribune
- 2007-09-27 [Man arrested in Hitterdal bank robbery - Pioneer Press](https://news.google.com/rss/articles/CBMigwFBVV95cUxNY2dJZl91RjFjRUNiM2hkbXRjVlBvSy11b1RqQXFVUFhnc0djM3RPODF3OHluZ3hwbnBQR0Zidjcxb0swY3J0NGFkX3FXTGtIcTBoN01jQ3ozN3VqUDBmczVZOE9FTC1hV2NnSEdFRHRNV2lCVk9hRTdRQjY4RkRwLTBDZw?oc=5) · Pioneer Press
- 2015-01-05 [Thelma Ullrich Obituary Jan 5, 2015 - Wright Funeral Home and Cremation Service](https://news.google.com/rss/articles/CBMiZkFVX3lxTFAwdHZyNUttMkcxNERHQlozM3d2X0hDSTlxWEZHUkxHMzhteGdKRlRjc1VWWWl6SHg1ZTBiQ2dEQU5HXzdmNzg0V1hBMGJHeUtVbnRNb2NkY0VMVVlKSTBOOW4zZmN1dw?oc=5) · Wright Funeral Home and Cremation Service
- 2019-11-04 [LPA 7th-grader fighting after E.coli and complications - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMilAFBVV95cUxObU9GanRfMVh0YUVNbkFXNkZRQ3F5djJlYk9lNU45VUliVmRneWsydFpWM2FEU2plZXhEQjNfcmEyS0tXRk9mVXZtZlVlNkNsRmRuTjFYMHdTSFpQVDVQYkF6Y01VNUJnU01lODNFVEtnR091OWpYN29xY2h0dThLRnBJYW5NOXNlM2lKUEZBaE1vMkR4?oc=5) · Detroit Lakes Tribune
- 2017-07-09 [Genevieve Mae Louise Peterson Obituary Jul 9, 2017 - Wright Funeral Home and Cremation Service](https://news.google.com/rss/articles/CBMiekFVX3lxTE5KOS1hZFFnWjdFME5iUWxUSUdidFo5dG5pLURQcWRKSHVSMkc2SXN6dEN0U2RSWjdscVp1Sk9OZjU3azlEQlhmR2I1Z2FvSkRmdFlCUmJZaEs4VUNEZVp4OVVmeTRjamY1T21OWnN3NHVveTdxTzlZNEhB?oc=5) · Wright Funeral Home and Cremation Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9351 (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/7.json (key "9351", 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