# 21ST CENTURY BANK LORETTO, MN · FDIC certificate 9751 · asset band $300M-1B · latest filing 2026-06 · live **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 | $894.8M | | | Deposits | $658.8M | | | Loans and leases | $672.7M | | | Total equity | $82.7M | | | Loans / deposits | 101.19% (p91 of band) | 82.04% | | Liquid assets / assets | 23.66% (p46 of band) | | | Uninsured deposits / deposits | 37.07% (p83 of band) | 25.97% | | Brokered deposits | 0.47% | | | Wholesale funding | 16.79% (p89 of band) | | | FHLB advances / assets | 16.32% | | | Tier 1 leverage | 10.66% (p48 of band) | 10.81% | | Unrealized securities loss / equity | -15.63% (p30 of band) | -8.10% | | AOCI / equity | -7.48% (p0 of band) | | | ROA (annualized) | 1.31% (p52 of band) | 1.28% | | Net interest margin | 3.63% (p34 of band) | 3.91% | | Efficiency ratio | 49.84% (p18 of band) | | | Noncurrent loans | 0.19% (p32 of band) | 0.43% | | Net charge-offs (annualized) | 0.08% (p81 of band) | | | Reserve coverage of noncurrent | 474.12% | | | Real estate % of loans | 85% | | | Construction % of loans | 51.84% (p58 of band) | | | Auto loans | $50,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 5.5% | | | Employees | 64 | | ## Flags firing in the latest filing - **loans exceed deposits** (`liq_ltd`) - **wholesale funding >15%** (`liq_wholesale`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, construction >100% equity | | | 2011-06 | 4 | reserve under noncurrent | charge-offs p90 | | 2011-09 | 3 | | reserve under noncurrent | | 2011-12 | 4 | capital falling | | | 2012-03 | 4 | uninsured deposits leaving | capital falling | | 2012-06 | 5 | charge-offs p90 | | | 2012-09 | 5 | assets shrinking | uninsured deposits leaving | | 2012-12 | 5 | reserve under noncurrent | assets shrinking | | 2013-03 | 5 | | | | 2013-06 | 5 | | | | 2013-09 | 5 | | | | 2013-12 | 5 | | | | 2014-03 | 4 | | construction >100% equity | | 2014-06 | 4 | | | | 2014-09 | 6 | deposits shrinking, assets shrinking | | | 2014-12 | 4 | | deposits shrinking, assets shrinking | | 2015-03 | 4 | | | | 2015-06 | 4 | | | | 2015-09 | 4 | | | | 2015-12 | 4 | | | | 2016-03 | 4 | | | | 2016-06 | 3 | | charge-offs p90 | | 2016-09 | 2 | | wholesale funding >15% | | 2016-12 | 3 | wholesale funding >15% | | | 2017-03 | 4 | expense ratio p90 | | | 2017-06 | 3 | capital falling | reserve under noncurrent, expense ratio p90 | | 2017-09 | 4 | reserve under noncurrent | | | 2017-12 | 4 | | | | 2018-03 | 4 | charge-offs p90 | reserve under noncurrent | | 2018-06 | 3 | reserve under noncurrent | capital falling, charge-offs p90 | | 2018-09 | 3 | | | | 2018-12 | 4 | capital falling | | | 2019-03 | 4 | expense ratio p90 | reserve under noncurrent | | 2019-06 | 2 | | capital falling, expense ratio p90 | | 2019-09 | 2 | | | | 2019-12 | 3 | loans exceed deposits | | | 2020-03 | 3 | capital falling | loans exceed deposits | | 2020-06 | 4 | loans exceed deposits | | | 2020-09 | 4 | | | | 2020-12 | 1 | | brokered >10%, wholesale funding >15%, capital falling | | 2021-03 | 0 | | loans exceed deposits | | 2021-06 | 1 | loans exceed deposits | | | 2021-09 | 0 | | loans exceed deposits | | 2021-12 | 0 | | | | 2022-03 | 2 | capital falling, charge-offs p90 | | | 2022-06 | 2 | brokered >10% | capital falling | | 2022-09 | 2 | | | | 2022-12 | 2 | capital falling | charge-offs p90 | | 2023-03 | 2 | | | | 2023-06 | 2 | loans exceed deposits, wholesale funding >15% | brokered >10%, capital falling | | 2023-09 | 3 | deposits shrinking | | | 2023-12 | 3 | | | | 2024-03 | 1 | NIM <2.5% | loans exceed deposits, wholesale funding >15%, deposits shrinking | | 2024-06 | 2 | loans exceed deposits, capital falling | NIM <2.5% | | 2024-09 | 1 | | capital falling | | 2024-12 | 1 | | | | 2025-03 | 1 | capital falling | loans exceed deposits | | 2025-06 | 1 | | | | 2025-09 | 0 | | capital falling | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 2 | loans exceed deposits, wholesale funding >15% | | ## In the news (Google News, unfiltered, newest first; check the city) - 2021-01-05 [Minneapolis planners want to save 21st Century Bank building downtown from demolition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOY1VULThObWlSTk85ZTh4TW9idXE2MThIT1hCaXpWZkdnajYtTnF6WnZRQmVBVGNJYXZva2F6QW1nVW9OeHlVSDdWZWo4UXhnWG1MUHRqX3dpSmV2em1aZVZGXzFSbzJkQWh6UG9uU0s2cS1vOHdYck1tU3lTWWxHQ3UwaVRjZzBMb1ZySEE3UGFJMEJWYlpQV2swRHo2V29CTU14VjNqR0RjY1U?oc=5) · The Business Journals - 2025-12-29 [Obituary for Lawrence "Larry" John Korus - Peterson Grimsmo Funeral Chapel](https://news.google.com/rss/articles/CBMidkFVX3lxTFBnNFBZRm1SZFNMS1UzMGFkTjlxNVlObHhmUWZYX2JwVkp0T1JMNHVwYVFsWHdTS25RSS1CUXF6STNELXhtMG43aGpwSHQ1LWVNa1o0ZmhZNnRlNm5YOHhpc20xNU9CTmlmbDlFQ2FYMzRjT09RYnc?oc=5) · Peterson Grimsmo Funeral Chapel - 2026-03-10 [Dennis Bernard Stollenwerk - Peterson Chapel](https://news.google.com/rss/articles/CBMiaEFVX3lxTE8tYXZndHZsd0hRY2lqeldGb29QdUIybEVpUm1oNEJxbDhWOU9GaHBaQk9EVWltVVhhZUhWYjliYnRZNVpqSVlRV1pOanRxTl8xTnRzZUFldi0xdmFXcUtwZWFtcXI4S3ZV?oc=5) · Peterson Chapel - 2025-10-11 [Laurie A. Wilson Obituary Oct 11, 2025 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE9hOFpkV3N0YzZuTW8wUUltcnVxUk5QZE1KbVk3Nm1ROXJNV3JrZjNMclJGMmsxcGVJQ21mcWI3b3g5TXVmT3M2WlBmbnFyTk9jTjBqV2k0ckl1RDlKVkNNTDgyNmFyXy1NUlZNdw?oc=5) · Amundson Funeral and Cremation Service - 2022-05-05 [Obituary for Donald Cyril Lynch - Dare's Funeral & Cremation Services](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5uNHVfbEFCbWJ1d2xHSW1wOUNYWFRkV2pTelprMEkzUUhCbDFOcDJtWi1KN1VOZnhlM3pBSGNVcXIxTTJZclhSVWV1djFDOEttODJIY2RyTGVYWGw2emQ4VVJHOXFjM3V1?oc=5) · Dare's Funeral & Cremation Services - 2023-07-20 [Nancy May Stinar Obituary (2023) - Crystal, MN - Washburn-McReavy Funeral Chapels - Crystal Lake Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPel9zb0hwMXlGUVBKQmFVQW9kSVFMazN1Qm1yWVFYcUgtOS16dXd6UGRnTEo0TGFkOXR0emJXLVpxMnQxNG8zUW4zZXB1RlF1NG5FOGlvbHRSaU1oZlhzUFd4NXNha3B5M2ZWUVNvendNS0NKUFFpOFZDZ3FlQzU1Ug?oc=5) · Legacy obituary - 2007-07-14 [Dorothy Dolphin Obituary - MN - Pioneer Press](https://news.google.com/rss/articles/CBMia0FVX3lxTE9zYkVxUlpiWUFIeVlybHp0dEV3NjlQQXhIdWI0S21IY1poUEhROE50aXlNT0VyZ1N0UEtXN3NHcFdVczFISHlPWWhRUkR0cGowblJLUDhCdTZaN08xR2taeDJ3ZkZ2ZVk1UzlZ?oc=5) · Pioneer Press - 2017-03-31 [Minneapolis businessman Dolphin charged with possessing child pornography - startribune.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQVVdYN3RkRnJkX2N5bVFPTTUwTmREVXNRSVhtc1p5cW5aLUFyOTlvU2pEWXVOMEo1Z05SVk5lVDctMWF3TUUxejQwMHNUS3NCQ3g5ejFIbDRnYWNWQzRFMGh3Sm51STBjdFpNMWlwS1JUa1IyUWdrYzBTR0ttTVgyZ0owS3U3N21Zam1kcldBbUlmb0tkRl83eHBhaEtKLVIxMGdiVGsxNDI5WkFOR1ozcA?oc=5) · startribune.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=9751 (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/23.json (key "9751", 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