# STATE BANK OF NEW RICHLAND NEW RICHLAND, MN · FDIC certificate 9735 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $124.2M | | | Deposits | $81.0M | | | Loans and leases | $110.2M | | | Total equity | $12.2M | | | Loans / deposits | 134.85% (p99 of band) | 73.59% | | Liquid assets / assets | 9.11% (p2 of band) | | | Uninsured deposits / deposits | 23.34% (p63 of band) | 19.81% | | Brokered deposits | 10.54% | | | Wholesale funding | 34.04% (p99 of band) | | | FHLB advances / assets | 23.50% | | | Tier 1 leverage | 9.96% (p24 of band) | 11.76% | | Unrealized securities loss / equity | -1.86% (p71 of band) | -6.57% | | AOCI / equity | -0.11% (p64 of band) | | | ROA (annualized) | 1.97% (p85 of band) | 1.17% | | Net interest margin | 3.55% (p31 of band) | 3.93% | | Efficiency ratio | 40.28% (p3 of band) | | | Noncurrent loans | 0.29% (p47 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p55 of band) | | | Reserve coverage of noncurrent | 301.54% | | | Real estate % of loans | 74% | | | Construction % of loans | 2.79% (p25 of band) | | | Auto loans | $1.6M (1.43% of loans; DQ 1.71%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 7.0% | | | Employees | 11 | | ## Flags firing in the latest filing - **loans exceed deposits** (`liq_ltd`) - **brokered >10%** (`liq_brokered`) - **wholesale funding >15%** (`liq_wholesale`) - **liquid assets <10%** (`liq_thin`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent | | | 2011-06 | 4 | | | | 2011-09 | 3 | | reserve under noncurrent | | 2011-12 | 4 | reserve under noncurrent | | | 2012-03 | 4 | uninsured deposits leaving | reserve under noncurrent | | 2012-06 | 3 | | uninsured deposits leaving | | 2012-09 | 3 | | | | 2012-12 | 3 | | | | 2013-03 | 3 | | | | 2013-06 | 5 | deposits shrinking, assets shrinking | | | 2013-09 | 5 | reserve under noncurrent | deposits shrinking | | 2013-12 | 4 | | assets shrinking | | 2014-03 | 4 | | | | 2014-06 | 4 | | | | 2014-09 | 4 | | | | 2014-12 | 3 | | reserve under noncurrent | | 2015-03 | 3 | | | | 2015-06 | 3 | | | | 2015-09 | 3 | | | | 2015-12 | 3 | | | | 2016-03 | 3 | | | | 2016-06 | 4 | reserve under noncurrent | | | 2016-09 | 4 | | | | 2016-12 | 6 | deposits shrinking, uninsured deposits leaving | | | 2017-03 | 4 | | deposits shrinking, uninsured deposits leaving | | 2017-06 | 5 | deposits shrinking | | | 2017-09 | 6 | uninsured deposits leaving | | | 2017-12 | 4 | | deposits shrinking, uninsured deposits leaving | | 2018-03 | 4 | | | | 2018-06 | 4 | | | | 2018-09 | 4 | | | | 2018-12 | 5 | deposits shrinking | | | 2019-03 | 5 | uninsured deposits leaving | deposits shrinking | | 2019-06 | 4 | | uninsured deposits leaving | | 2019-09 | 4 | | | | 2019-12 | 4 | | | | 2020-03 | 4 | | | | 2020-06 | 4 | | | | 2020-09 | 3 | | reserve under noncurrent | | 2020-12 | 3 | assets shrinking | brokered >10% | | 2021-03 | 4 | liquid assets <10%, charge-offs p90 | assets shrinking | | 2021-06 | 4 | assets shrinking | liquid assets <10% | | 2021-09 | 4 | liquid assets <10% | assets shrinking | | 2021-12 | 2 | | charge-offs p90, liquid assets <10% | | 2022-03 | 3 | liquid assets <10% | | | 2022-06 | 3 | | | | 2022-09 | 3 | | | | 2022-12 | 4 | deposits shrinking | | | 2023-03 | 4 | | | | 2023-06 | 4 | | | | 2023-09 | 4 | | | | 2023-12 | 3 | | deposits shrinking | | 2024-03 | 3 | | | | 2024-06 | 3 | | | | 2024-09 | 4 | capital falling | | | 2024-12 | 5 | uninsured deposits leaving | | | 2025-03 | 4 | brokered >10% | capital falling, uninsured deposits leaving | | 2025-06 | 3 | | brokered >10% | | 2025-09 | 4 | brokered >10% | | | 2025-12 | 4 | | | | 2026-03 | 4 | deposits shrinking | brokered >10% | | 2026-06 | 4 | brokered >10% | deposits shrinking | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-08-17 [Margaret Elizabeth Schultz Obituary Aug 17, 2026 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMiggFBVV95cUxQYnliRmo1QnNPTVBmMHFfSmpNeDFQcC1KYm9zTkpGc09saG1RMzVKNHlCbzVXbl9ZTzdhSTd3RnRCempLa3dFbnRKUGx4alZIekhCdm40RjNXOFo0Y1JhOXNaRUZoc1ZiZGY4WWpobXh4QjdMT25UYW14ZTZHZGJ5eXJR?oc=5) · Bonnerup Funeral & Cremation Services - 2025-12-06 [Gary Paul Strenge Obituary Dec 6, 2025 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE8ydXlsaDlKMHhGdmxkUWpkZUlZbHN4NjFVTl9tY2ZZLXByRlVHTGZOZlA1TE9vSTg0LVBfd3lKaklCeG0tMDVhVDdXSUdubG5TTFhPNHFYa0JLMDlUazBvQnJpdEQ?oc=5) · Bayview Freeborn Funeral Home - 2010-11-12 [New Richland renews effort to market free lots to new settlers - Finance & Commerce](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWjBNUkJrc2VzdUFMWk9ORkdFX0pnUHNRZDI1QUt4WjJOdG14Xy0wQWRqcjdzQmtLTkpOeVAzMzZkQVBUeEJHWnlpR1pVYkFwRWFMSkdTcTNNTncwMHg3THRxTU9KVFYtVk9mYWdZQXJjM2Fsc09WT2J0MXIwcDBxQkFtX2V2LTlybFZQWl9Jc2ltRUV4Q2FWU2Ixai1vZ05EMWc?oc=5) · Finance & Commerce - 2021-08-06 [Bonnie Root Obituary Aug 6, 2021 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMibkFVX3lxTFBNQXRyR2tVNkhTUlN3Vlg4OW5TQ2ZMQUExVGJnZW4zeEt5a3pzSWs5c2dsc1JfQWktUkpSS29jNjZ1MEJxWjd1Tjl0UXIzS3NvZG1ZZGp4bVFRbFhZTTJudUp5c0x6S2pQR0JhRmRR?oc=5) · Bonnerup Funeral & Cremation Services - 2010-06-21 [Dylan Marshall Johnson Obituary Jun 21, 2010 - Bayview Freeborn Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBBTmM1WTV6RG9yTUg1NDZyNkttTzFkQmdxYWstWThUVXhiQ21qMmJtVElIaXRwY0VEX0FfemhkTlFEMTNJZG90emZHUUN4YWhIMGIzRU4tRXZnWFBzbFdZZG9Yc29Vdw?oc=5) · Bayview Freeborn Funeral Home - 2019-07-18 [Helen Thompson Obituary Jul 18, 2019 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMickFVX3lxTE5EVGw5MDc1Yk56emhGQVhXRWJsQ1V0eXR5Vi1UQ2NGYkFWMllNanFTXzJhai1pblhfVk54V0VxazFwSkg3SDczYUFJZUY3dUUxdjBPd1ZxVnhjQmU5YU42RnNNb1BPWk1SSlgxZjVkQkxMQQ?oc=5) · Bonnerup Funeral & Cremation Services - 2017-04-23 [Albert Flor Obituary Apr 23, 2017 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMibkFVX3lxTE9pQ2RTSktpQ0VfNTFiTU0tV1dpZl9FSGhpOFd3dDJ3bUVXZ0k2VmxwazZTTThGdTg5V2VtMDRIOUNYa0ZobG9jaUVEcDhQUGFvN2VRY1ZKbnVSSWdibjJFUUZuQlQxVTd5UnBXdnBn?oc=5) · Bonnerup Funeral & Cremation Services - 2014-01-06 [Joell Quiram Obituary Jan 6, 2014 - Bonnerup Funeral & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE9sclJpYWg3MnB6UVdseDRqWm1PSVBwajdySTRIWWt2cldCMmdPMGozTTVHYl9zRnM3cXVFc2NzcXZ4ZWRoT3lnSGpiY210aUtQNHhxX0dYMEpGcnVQTUZvMXpoWXVzdWNiTDZaS2dHYw?oc=5) · Bonnerup Funeral & Cremation Services ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=9735 (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 "9735", 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