# MARSHALL COUNTY STATE BANK
NEWFOLDEN, MN · FDIC certificate 9752 · 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 | $45.4M | |
| Deposits | $38.2M | |
| Loans and leases | $14.5M | |
| Total equity | $7.0M | |
| Loans / deposits | 37.20% (p10 of band) | 73.59% |
| Liquid assets / assets | 67.80% (p93 of band) | |
| Uninsured deposits / deposits | 17.39% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.81% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -0.99% (p77 of band) | -6.57% |
| AOCI / equity | -3.45% (p4 of band) | |
| ROA (annualized) | 1.46% (p66 of band) | 1.17% |
| Net interest margin | 3.06% (p14 of band) | 3.93% |
| Efficiency ratio | 47.66% (p10 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.1M (7.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 5 | |

## 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 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | NIM <2.5% | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 | noncurrent p90 | NIM <2.5% |
| 2019-06 | 0 |  | capital falling, noncurrent p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 4 | NIM <2.5%, noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-06 | 5 | losing money, expense ratio p90 | noncurrent p90 |
| 2020-09 | 5 | capital falling | deposits shrinking |
| 2020-12 | 3 |  | losing money, capital falling |
| 2021-03 | 3 | losing money | uninsured deposits leaving |
| 2021-06 | 3 | capital falling | losing money |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 1 |  | capital falling, expense ratio p90 |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | deposits shrinking | NIM <2.5% |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2015-10-31 [Business Briefs: Frandsen hires Rantanen ... Vigen joins Altru ... - Grand Forks Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxPVl9yY3AyenJ2OXpNOF92RVdVVXJQTXdTWFlGaHpHXzVoMlVaTnQtcTg0M2NsbTAzLWNpVWpHaHlnbzlET3dMOW1qSmNwUXBYWC0zMjh5TVpjQXU5Ykg2RDBTMDlkYkhxaGlYSENIbFFCTlFMbXhQWWN5dzBLSjRmdjZrMmU0bkZWNWhyemlJNzY3OFlEM292SmNBSkRyYklH?oc=5) · Grand Forks Herald
- 2018-10-18 [Orville M. Hanson Obituary Oct 18, 2018 - Johnson Funeral Service](https://news.google.com/rss/articles/CBMicEFVX3lxTFBqSGF0ZEJxV1ZUNTFQX0F1Q0MtYkEzWWc4NEx0akdWNEFxOGk1d1J0eXkxbjNDaHBVa2E0SHdBT3UyOGVMc3k0UFJHaERKbWRxdTRBNDN5cVFNUndEYTVFeGdDSkk5d1RlWWk5andTYUw?oc=5) · Johnson Funeral Service
- 2011-08-30 [Remembering the life of Lucille S. Tunheim - Star Tribune](https://news.google.com/rss/articles/CBMifkFVX3lxTFBDM200NnR2aG1XVkdXTnlNM3BRZmg3T0E3d1JBc1hHZlFYVTFPZWh5WnlNNTUxQWdvRENxdms1ZS1ocWhqeVFuQk10N3QzcDdzb1R6eGZ6aldoSUtsTFZ6TWM2OFNoWk5IbEJjNlFqXzF2TmYzUXIzblJXTkYzUQ?oc=5) · Star Tribune
- 2012-10-19 [Gene Beito Obituary Oct 19, 2012 - Johnson Funeral Service](https://news.google.com/rss/articles/CBMia0FVX3lxTFBUZFpMSDMyWWRScVBFY2VRcVcyWjZaUDllLTcxTU5LSFliNDdTOXdWU2Z3SUdfZHdYSmNlbFBFOFMxd2lMQVF1cDk0QlNkSzRmQ3dud3JST3l5MEpqYzRGT3RGemNLWVBWMElB?oc=5) · Johnson Funeral Service
- 2026-04-14 [Derek “Deke” Forsell, 84 - Thief River Falls Times](https://news.google.com/rss/articles/CBMia0FVX3lxTE41Q0paZVkxYllsVEVnU21xTXRWQTJLRllRN0dUVnZVNFlMZmlZd3pXSXJmSERib3NMa2ZoLTVkemxyQXJUTEZlVEd0bXJYcVpJSzk4dXlNVjhxNXFldFd4dm9MWG5jcng2UndV0gFwQVVfeXFMTVZMaDhYUUdqcVVzcEpwb1NyX2UzY3h5TThZbU02LU5vUHF2S0szQURjOHBMRDl6d0hOUnVUZW4tcUhQRTFOZ1c2elZhRW5kanVGUXlkTDRXejlNMnJiV3g4SXA3TWdQTnVpd3ktdF9uOA?oc=5) · Thief River Falls Times
- 2006-01-24 [Adeline Roppe, 83 - Thief River Falls Times](https://news.google.com/rss/articles/CBMiWkFVX3lxTE96TWZLelcycnNDdUYtNWNBU21EVzB3Y29aa1ZUa09QLTZ3OXJ6TldEWmlZZTFqM1lzU2h5T1czdng0N1FYVnplUWFpSTI1Vmh1VXVvcEV4WWF0d9IBX0FVX3lxTE41Y2xnbWd4bUJTcUkwTWxpQTdHVERYSnhKZW0zRUhYdTliM1B3eUY3cXBnUUlnR293ZzhXVGdPdlVvT2YxWmFFWUg3VWlZbl92UmdycGkzV0pCM2NNRUlr?oc=5) · Thief River Falls Times
- 2007-09-11 [James Rogalla, 58 - Thief River Falls Times](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5pak85dzRGZ2V6VlhvbmVRRWo2cVhTV0pES3piRXNiYkdWeE1qTk1YNGZZTXUtOExSakhYNkdKQnlrWVYwdndza01mZlZ2ZUJBeUJwWDNqMU50Z2vSAWBBVV95cUxNVXdKVm9naHc2S0hqQXhtTnhwT3FuNGlHcUJiTGhEbnZ3UGVfaXM4MmpMTlR0S1p1OVZWajBFQWRld2tlUmpkczV3WG4xSW01eWN3RGxYT2s4NWhnR3BtajM?oc=5) · Thief River Falls Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9752 (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/24.json (key "9752", 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