Like many small, rural banks, Crookston National Bank in Minnesota has struggled in recent years to attract deposits to fund its agricultural and small-business loans.

But unlike some of its counterparts, $31 million-asset Crookston National has been unable to tap its regional Federal Home Loan Bank for funds because it has not held enough of its assets in home mortgages to qualify for membership in the system. "We've been trying to meet the criteria for the last several years, but we keep coming up short," said Jim Ingeman, its president.

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