# TRI-VALLEY BANK
RANDOLPH, IA · FDIC certificate 12417 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $82.8M | |
| Deposits | $77.4M | |
| Loans and leases | $49.6M | |
| Total equity | $5.1M | |
| Loans / deposits | 62.56% (p34 of band) | 73.59% |
| Liquid assets / assets | 38.33% (p60 of band) | |
| Uninsured deposits / deposits | 17.83% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.25% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -9.07% (p42 of band) | -6.57% |
| AOCI / equity | 2.73% (p99 of band) | |
| ROA (annualized) | 0.18% (p9 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 77.83% (p75 of band) | |
| Noncurrent loans | 4.09% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.52% (p97 of band) | |
| Reserve coverage of noncurrent | 56.51% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 48.06% (p78 of band) | |
| Auto loans | $560,000 (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.4% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | expense ratio p90 | reserve under noncurrent |
| 2012-12 | 1 | charge-offs p90 | expense ratio p90 |
| 2013-03 | 0 |  | charge-offs p90 |
| 2013-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-09 | 4 | brokered >10%, wholesale funding >15% |  |
| 2013-12 | 6 | capital falling, reserve under noncurrent |  |
| 2014-03 | 4 |  | AOCI drag >20% of equity, capital falling |
| 2014-06 | 1 |  | securities losses >30% of equity, wholesale funding >15%, reserve under noncurrent |
| 2014-09 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking | brokered >10% |
| 2014-12 | 4 | uninsured deposits leaving |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 6 | expense ratio p90, noncurrent p90 |  |
| 2015-12 | 4 |  | uninsured deposits leaving, expense ratio p90 |
| 2016-03 | 5 | capital falling, uninsured deposits leaving | noncurrent p90 |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking, capital falling, uninsured deposits leaving |
| 2016-09 | 2 | deposits shrinking |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | noncurrent p90 | deposits shrinking |
| 2017-06 | 2 | deposits shrinking | noncurrent p90 |
| 2017-09 | 1 |  | deposits shrinking |
| 2017-12 | 4 | capital falling, losing money, deposits shrinking |  |
| 2018-03 | 4 | expense ratio p90, uninsured deposits leaving | capital falling, losing money |
| 2018-06 | 3 |  | expense ratio p90 |
| 2018-09 | 4 | expense ratio p90 |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | assets shrinking | expense ratio p90 |
| 2019-06 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 | losing money | reserve under noncurrent |
| 2021-03 | 3 | noncurrent p90, charge-offs p90 | losing money |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 2 | reserve under noncurrent |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 6 | capital falling, charge-offs p90 |  |
| 2022-09 | 5 |  | capital falling |
| 2022-12 | 4 |  | noncurrent p90 |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 |  | reserve under noncurrent |
| 2023-09 | 2 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-06 | 1 | securities losses >30% of equity |  |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 7 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2025-09 | 5 |  | capital falling, expense ratio p90 |
| 2025-12 | 7 | deposits shrinking, assets shrinking |  |
| 2026-03 | 6 |  | deposits shrinking |
| 2026-06 | 3 |  | securities losses >30% of equity, losing money, assets shrinking |

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

- 2025-05-15 [Tri-Valley bank opens new Glenwood location - KMAland.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPXzN5X1A0WTJRSnRYRld4NkF1bGZ3LS12dWpkX0w5VGVlR3VLVUpVNG9kVGRFRjNtcGFVTDFONmNwREdnQ2lub1NHNWJzMG5FRHEzcHVqQllfUGkyRXJrX2taWVBtc3RXNWtVTGJsVlZPc0V3dVZqV3JLVE1IajNUZUpsVGlEXzFxbjdoc2ZZdDhQVVhvNzNMcTZLUEFGbjBLeUxzRmZjdXlzazRjeUNzZHhRam1VLXpPVnhZOTEwZw?oc=5) · KMAland.com
- 2014-11-19 [Longinaker continues strong banking tradition - KMAland.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNcXpvWWowcUFRVDZVdVdKcmRJQ1JYd0xFWS1GakVzdGhFNWgwWUI5NV9FOC1FRWMzVmhfMnVVa0xoc3ZPMFRVT0VNWndtNGxadGhsQTZ4SEFhRlRSaWlRNDhkbHl5ZjllWE9PSTBMSTB0cWlvNmV1YmRpMnFRZzJPRjIyUXFuX1hSTGVNbFhzTC1uc251anNqNWJ6RGZPa2swU2ZiclVtSjhVLXM2Zm9SdW9iLW1xYlpEZ3VjakhlMA?oc=5) · KMAland.com
- 2023-12-03 [Southwest Iowa farm family spans five generations - AgUpdate](https://news.google.com/rss/articles/CBMirwFBVV95cUxNc2dISF9Dc2NzMlJDc1Vyd242TkRwUVpYVVJZTlhiSWxSNEtTbDJRR3FKWEluUnZIRHppQ2N1VzFaUHRUUU5uTFJweHRJNkMzLS1EZUgyUnBubHVhWW5MSEZCSVNia2Exbml3Y252TzlvZDE1eUd6NVp4ZVg1dWtfcWJFeUxqc0pGMnVmNmlmX2x1TDZsSFZuSTVhMjBWazRjQWJpcW1CbVpIcG4tdEJz?oc=5) · AgUpdate
- 2026-09-03 [Essex Labor Day Celebration set for Sept. 4-7 - KMAland.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNYUcxaVRBRFBWVzlFU0h2RDZfLVJGSjhQb04wZjYzcWdTem1ZUFF2TGhuLWZtQWhkR0NpMXE4N0diMlNERDlDZ2RsMHU4M1BnQURXRU9XSlJuYWZxSWFhRWxNTERJUDh4YXJwZzhYSE5SQWQ5eWZzZTkyZHIwWlo3MmhzUzV0cW16enU5QllTQTVsVDllbmtHNGNGeUhuYjhSLV9kekxSYnd2YTFWUnJHd3l6bkZwMUpHMW1PaUZ3aEk?oc=5) · KMAland.com
- 2025-04-11 [Tabor Hometown Pride nearing fundraising goal for new splash pad - KMAland.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPYmpuT3A0eHZGQXQ4cDlheHpkb2R4enZYQXZ2TDliVnlCUFlyRlVmWEtZd05SYmVkNzBicXFuUlYwa0o0SkJnUXBoWW5GdmxVU1puekJ4czM5QkZMazRJNHV0SmszMG9JaHVZSE9mdkxTR01tUkxyTWw3a05oNHl3SWJUVERVU1VYRzN3RmV1WHBMbGgzYW0yVXBqMXNIVkZxa203cVRZanJQRnV2Z2tOMVRwaEdUWEt5bWlLcktDTWFNU3p2SThYRUhHNzBiQ3E5YnIwU3NMOEJiZlU?oc=5) · KMAland.com
- 2017-03-08 [Smith finds his own opportunities as young Fremont County farmer - KMAland.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPaTY5UXEzUUliU0R4bTdwMjJqQTFLNWU0MHVMTXBYRkt1MFFoeElYVjBRMUZHRjM2YjludUhyeXU4aDEzQVlGOGNkTUo0MG5GYnBJekVxYk03UTlFNW41bW16M3RXSTF5aUxIVTFqTjN0Q19qSlJDdC1vX0FPM0JYU19UWVRLdFZsbnpSdVE1bl8zOHRXTUF4LWZ5OVBKMTBQZnpaanhUVlZTbmJ0aEtJQUtPODI3NnZLYVRHRzdfN3lnclEya1VhYUJtWjNJdmZfTmNlTzZUT0Y?oc=5) · KMAland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12417 (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/1.json (key "12417", 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