# QUALITY BANK
FINGAL, ND · FDIC certificate 9425 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**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 | $30.0M | |
| Deposits | $26.9M | |
| Loans and leases | $23.9M | |
| Total equity | $3.1M | |
| Loans / deposits | 87.59% (p72 of band) | 75.02% |
| Liquid assets / assets | 18.90% (p22 of band) | |
| Uninsured deposits / deposits | 11.15% (p32 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.04% (p32 of band) | 11.04% |
| Unrealized securities loss / equity | -0.10% (p84 of band) | -2.21% |
| AOCI / equity | -0.13% (p79 of band) | |
| ROA (annualized) | 1.31% (p73 of band) | 0.95% |
| Net interest margin | 3.47% (p34 of band) | 3.73% |
| Efficiency ratio | 61.13% (p25 of band) | |
| Noncurrent loans | 0.91% (p61 of band) | 0.60% |
| Net charge-offs (annualized) | -0.07% (p6 of band) | |
| Reserve coverage of noncurrent | 162.67% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 62.19% (p85 of band) | |
| Auto loans | $108,000 (0.45% of loans; DQ 0.00%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2014-06 | 1 | uninsured deposits leaving | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | capital falling | uninsured deposits leaving |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | deposits shrinking, assets shrinking |  |
| 2017-12 | 2 | liquid assets <10%, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2018-03 | 2 | deposits shrinking, assets shrinking | liquid assets <10%, uninsured deposits leaving |

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

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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9425 (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/17.json (key "9425", 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