# NICOLLET CNTY BK SAINT PETER
SAINT PETER, MN · FDIC certificate 9757 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $167.9M | |
| Deposits | $141.4M | |
| Loans and leases | $74.3M | |
| Total equity | $22.0M | |
| Loans / deposits | 52.56% (p16 of band) | 77.89% |
| Liquid assets / assets | 49.59% (p83 of band) | |
| Uninsured deposits / deposits | 26.13% (p83 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.58% (p57 of band) | |
| FHLB advances / assets | 2.57% | |
| Tier 1 leverage | 8.66% (p7 of band) | 11.44% |
| Unrealized securities loss / equity | -0.52% (p8 of band) | 0.54% |
| AOCI / equity | 1.85% (p46 of band) | |
| ROA (annualized) | 0.16% (p7 of band) | 1.03% |
| Net interest margin | 0.93% (p1 of band) | 3.82% |
| Efficiency ratio | 84.13% (p84 of band) | |
| Noncurrent loans | 0.54% (p50 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 2.86% (p24 of band) | |
| Auto loans | $2.5M (3.30% of loans; DQ 3.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, NIM <2.5% |  |
| 2013-06 | 1 |  | capital falling, NIM <2.5% |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 2 | NIM <2.5% |  |
| 2014-06 | 2 | reserve under noncurrent | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2015-03 | 2 | NIM <2.5% | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 1 |  | NIM <2.5%, capital falling |
| 2015-12 | 2 | NIM <2.5% |  |
| 2016-03 | 2 | capital falling | NIM <2.5% |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2017-06 | 2 | capital falling | NIM <2.5% |
| 2017-09 | 0 |  | reserve under noncurrent, capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, assets shrinking |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 3 | NIM <2.5%, reserve under noncurrent, deposits shrinking | charge-offs p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9757 (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/29.json (key "9757", 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