# TRUCOMMUNITY BANK
GARRISON, ND · FDIC certificate 15306 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $338.2M | |
| Deposits | $282.3M | |
| Loans and leases | $222.0M | |
| Total equity | $32.6M | |
| Loans / deposits | 77.51% (p40 of band) | 82.04% |
| Liquid assets / assets | 30.49% (p65 of band) | |
| Uninsured deposits / deposits | 25.76% (p49 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.36% (p65 of band) | |
| FHLB advances / assets | 4.58% | |
| Tier 1 leverage | 11.06% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -15.64% (p30 of band) | -8.10% |
| AOCI / equity | -1.07% (p21 of band) | |
| ROA (annualized) | 1.41% (p58 of band) | 1.28% |
| Net interest margin | 4.36% (p76 of band) | 3.91% |
| Efficiency ratio | 59.97% (p46 of band) | |
| Noncurrent loans | 2.18% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | 64.52% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 3.68% (p8 of band) | |
| Auto loans | $4.8M (2.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2026-09-08 [NDBA President and CEO Rick Clayburgh to Retire in 2027 - News Dakota](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMzVQT1Q2NHFTcjZqNEVSTjAyQ3VxbFFjcUh3c0hDWDBRYVdrVGJjR3dKNERtVUhyN0x2VHdFN1NkVkFib19oNUVTZEJLampHYUhxMkt3Z1RkdXNIbE1qSDZpWmVUN0t2TjlsRzYzM0g3LVZURHJodzk1aW1ic3lOaFBlTFFiR3VucDhIbER5c05MLXg0aW4tdnlB?oc=5) · News Dakota
- 2025-05-29 [Thelma Schulte Obituary May 29, 2025 - eastgatefuneral.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE56TkduUEZuQ3lTMExFRTYyQWhuVE5qZU51YnMtWURPclhvYVFUUU1MdmRfUlBjMWFsemg5bHF6bk5CUnFDTXJHWldJR1J0NGp1VWtwXy1qTVRHYUtZc2ZNMmczM1JRTFhm?oc=5) · eastgatefuneral.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15306 (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/10.json (key "15306", 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