# TS BANK
TREYNOR, IA · FDIC certificate 14812 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $432.7M | |
| Deposits | $387.4M | |
| Loans and leases | $234.5M | |
| Total equity | $25.9M | |
| Loans / deposits | 59.83% (p12 of band) | 82.04% |
| Liquid assets / assets | 32.05% (p69 of band) | |
| Uninsured deposits / deposits | 19.23% (p26 of band) | 25.97% |
| Brokered deposits | 32.56% | |
| Wholesale funding | 32.56% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.61% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | 4.22% (p100 of band) | -8.10% |
| AOCI / equity | 6.44% (p100 of band) | |
| ROA (annualized) | 2.21% (p91 of band) | 1.28% |
| Net interest margin | 2.73% (p6 of band) | 3.91% |
| Efficiency ratio | 51.20% (p21 of band) | |
| Noncurrent loans | 1.41% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | 81.65% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 22.74% (p28 of band) | |
| Auto loans | $1.1M (0.47% of loans; DQ 5.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.1% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 5 | capital falling, noncurrent p90 |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 | expense ratio p90 | capital falling, noncurrent p90 |
| 2013-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 3 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | deposits shrinking |  |
| 2014-12 | 3 |  | deposits shrinking |
| 2015-03 | 6 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 4 | AOCI drag >20% of equity | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 | charge-offs p90 | AOCI drag >20% of equity |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | reserve under noncurrent |  |
| 2016-09 | 4 |  | reserve under noncurrent |
| 2016-12 | 7 | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 8 | capital falling, losing money | AOCI drag >20% of equity |
| 2017-06 | 7 |  | capital falling |
| 2017-09 | 8 | assets shrinking |  |
| 2017-12 | 9 | deposits shrinking |  |
| 2018-03 | 5 |  | expense ratio p90, charge-offs p90, losing money, deposits shrinking |
| 2018-06 | 5 | capital falling | assets shrinking |
| 2018-09 | 8 | AOCI drag >20% of equity, charge-offs p90, deposits shrinking, uninsured deposits leaving | capital falling |
| 2018-12 | 6 | expense ratio p90 | AOCI drag >20% of equity, deposits shrinking, uninsured deposits leaving |
| 2019-03 | 7 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2019-06 | 6 | charge-offs p90 | capital falling, uninsured deposits leaving |
| 2019-09 | 6 | assets shrinking | wholesale funding >15% |
| 2019-12 | 5 | wholesale funding >15%, deposits shrinking | noncurrent p90, charge-offs p90, assets shrinking |
| 2020-03 | 5 | capital falling | deposits shrinking |
| 2020-06 | 4 |  | capital falling |
| 2020-09 | 4 | charge-offs p90 | reserve under noncurrent |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | expense ratio p90, charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2021-12 | 1 |  | deposits shrinking, assets shrinking |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 6 | wholesale funding >15%, deposits shrinking, assets shrinking |  |
| 2022-09 | 6 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2022-12 | 4 | expense ratio p90 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |
| 2023-03 | 5 | losing money, construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | capital falling, securities losses >30% of equity | construction >100% equity |
| 2023-12 | 8 | leverage <7%, construction >100% equity, uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 4 |  | expense ratio p90, losing money, capital falling, leverage <7% |
| 2024-06 | 2 |  | construction >100% equity, uninsured deposits leaving |
| 2024-09 | 3 | reserve under noncurrent |  |
| 2024-12 | 2 |  | reserve under noncurrent |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2026-03 | 3 |  | reserve under noncurrent, assets shrinking |
| 2026-06 | 5 | reserve under noncurrent, assets shrinking |  |

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

- 2026-01-30 [Henderson man takes TS Banking Group to small claims court over investment losses - KMTV 3 News Now Omaha](https://news.google.com/rss/articles/CBMivgFBVV95cUxOemQ2VlhMeDBza3hyZ0dVUi1yQUlIcXV0TVpTV0h4d1lJdF9OdGNrU1J4WmRTUHFWbVU4c0c3YldNVTBONXlNMFlxV1YzWnBVWVo0Z1JWWldrQ25IREVvRV83bE5OWno5LWNNZW9iX2lpM2xtZEpfOGJMREZ5M0dwV3NrVjNGWjVsamVCNDFlUnhEWTZ3V09wZ0VLZVNaejZINnN1RktISGtETlVKXzJrOUhEMi15blJ0dlpTMWVn?oc=5) · KMTV 3 News Now Omaha
- 2026-09-03 [TS Bank announces 2025 REV pitch competition - Business Record](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSlg3UmlBcmxKM1hLWUh0VzBRYi1wekJaWFNPVWd2MHBxZXlxbFJHbGlQelh3YWswc290TUh0OEdtbXdMWVd0WDZGQzJZMUdNcFdYXzc1dmxuRXloRTYwWUkzVGQtUDh3Ul9YQ0tCZzFORUJ3dEp0MFFoa2ZPd0FTN29B?oc=5) · Business Record
- 2026-07-10 [Federal Reserve Action Against TS Banking Group Signals Tighter Scrutiny of Capital and Liquidity - Markets Herald](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQX3M3Q0VHN3I5c0stS25Gd3N0NWVURGJJNEhiejFYQ2p2VFpVYUVXMnhNVFpDcF9aSS16Vi1jYm92NGx3VmhQVGhHTjNzcE9PQlFIcHh2a0c0UXA3OC1fR2RvSTlsNW4zSjBKeHlZWENndUZhVjNhbGZ6RUNOU3ppWXZiSVMyVDhuaE5TY1djWkJXRWlWN09BSnZRYWlLMFVmYm0xVnM0UmVlRUhVR0xiY1lwbEo2S251bnpHeVd4clpIQQ?oc=5) · Markets Herald
- 2025-07-10 [Southwest Iowa man seeks reimbursement from bank caught in investment scam - KMTV 3 News Now Omaha](https://news.google.com/rss/articles/CBMitAFBVV95cUxOaW9LZWlpdmVJc3BvZ2ZsVEx4c1ZYZFRCdEdvRTFHcGFUZXBaejQ4eXZmTVRjMm14N3RUOU5WSmlpWVFMMnlkSl9CRGtFX0NRV3FGMG4yc3FmUWotM2RkTXpLS0wwS3hjU2ZDT0lBa1JxaFRZenB3bjl6R0Z0NzkwTEx5QWRIV3B6YkxuUHdRMmhHUDkySzZKb0pVMnpBS2gzb3RlOU42d0lERTJxYUtkTHNtNEk?oc=5) · KMTV 3 News Now Omaha
- 2014-03-31 [Joshua Guttau named CEO of TS Bank - The Des Moines Register](https://news.google.com/rss/articles/CBMiugFBVV95cUxQUktYdnBIZ05TemVwNDZRS1otVnNjYm5sWDk4cy1Mb3p0NmFlRFZxcEdpdGNUVUhtMWdYU0NJOGtWMkNSWVdzMUdQOWJiZlBsUzdPMVRsWXpnZ1NNc3JZNk5vMzhTTW44cEEtbEdPcUd2T0ZSTFE2aGRpMjh4allXMEEyNU9GWWRuOFNoTkJGTldRVHdMWTY0RG9zYnNoa1ItcEItSGFFRHRnY3pOYk1zZ1JnT2xSSWx6ekE?oc=5) · The Des Moines Register
- 2019-09-18 [Caye International Bank Named Best Offshore Private Bank in Latin America for 2019. - The San Pedro Sun](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNbGR4Wnlwb2FKVzMyNWFGYzhzejZhM01LSmZ3eDdwb21HV1hEbUpWQkh3OE5JUHdsWmlmYXpTUkhkZzJ1TkJtY1NLck1aek9ZU0lDdlJVWHp5NXpjRmNZOU9EX09iR0dkUDltWHlJZ3RQTUVtT3VFUVNqcFZVRDV3dmtOTUtRc1FvZXBTd3g5YnhUSWV6NmhZUjdyUE1rc0x3VGdTdVJacVZnNGxjejFjMG12TkFnNTNHTldlZ2ZhNk5IbW5KbTFvbk5DUENjTHRiZlJaekJTcWlKYzYt?oc=5) · The San Pedro Sun
- 2025-11-14 [Annual REV pitch contest deadline coming up Thursday - Daily Nonpareil](https://news.google.com/rss/articles/CBMingFBVV95cUxQNW9vbzd3azdZb3hBRHRESVlkbVRrei1IYWJVN2ExaTJiTS1Ja2tYajlDRG1YYVBBSGRKaVhWYlllWjBVUmt2T3YtM05TVm9tYlRJcmFubjIxd3BfdWY5TVVtWmZjTTYzSnZYUTAzX3JkbU91dWVmXzJFNkxPcXFUQ2FDZHdSNVpJVGt4TnBnSTZGazlMVVlOX1ZSMk1wUQ?oc=5) · Daily Nonpareil
- 2024-05-15 ['I wake up really excited': Fun, financial literacy in Council Bluffs on school banking day - KMTV 3 News Now Omaha](https://news.google.com/rss/articles/CBMixgFBVV95cUxPWG5rdm9HMHpUNEl3bWdrazNhZ1l4UXpLWXdLNWRqSnM2N3JrVDRmNzV6X00ydEVfdzlURU9DcGNOckVPeExRVW9iQjRLTEs1RTNwZklvYzRDZWlXc3VKOFNVMF9wV29fRnA5eHNDbzk2M0hmY2JVQWM5RWxsdHZUZ185NERjTzBLS1k2MGJIUUFqbXBvVm9OMGpMUnJoZlhXWTZwWENSUkZLd1JWb0dyeVh4eGhoVTV1ZmNyVkg2bUQxUnhRdlE?oc=5) · KMTV 3 News Now Omaha

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14812 (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/28.json (key "14812", 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