# TWIN LAKES COMMUNITY BANK
FLIPPIN, AR · FDIC certificate 15880 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $125.5M | |
| Deposits | $105.6M | |
| Loans and leases | $106.1M | |
| Total equity | $16.7M | |
| Loans / deposits | 99.75% (p92 of band) | 74.46% |
| Liquid assets / assets | 6.58% (p2 of band) | |
| Uninsured deposits / deposits | 10.01% (p29 of band) | 14.82% |
| Brokered deposits | 1.81% | |
| Wholesale funding | 4.00% (p62 of band) | |
| FHLB advances / assets | 2.19% | |
| Tier 1 leverage | 10.03% (p36 of band) | 10.76% |
| Unrealized securities loss / equity | 0.00% (p76 of band) | -0.86% |
| AOCI / equity | 0.00% (p85 of band) | |
| ROA (annualized) | 1.17% (p71 of band) | 0.85% |
| Net interest margin | 5.51% (p99 of band) | 3.68% |
| Efficiency ratio | 58.51% (p15 of band) | |
| Noncurrent loans | 0.37% (p40 of band) | 0.62% |
| Net charge-offs (annualized) | 0.06% (p61 of band) | |
| Reserve coverage of noncurrent | 191.54% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 15.59% (p48 of band) | |
| Auto loans | $4.3M (4.07% of loans; DQ 3.31%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | capital falling, charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 |  | losing money, capital falling, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2012-12 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 0 |  | capital falling, charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | liquid assets <10% |  |
| 2015-03 | 3 | loans exceed deposits, capital falling |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | NIM <2.5%, reserve under noncurrent | loans exceed deposits, capital falling |
| 2016-03 | 1 |  | NIM <2.5%, reserve under noncurrent |
| 2016-06 | 2 | loans exceed deposits |  |
| 2016-09 | 1 |  | loans exceed deposits |
| 2016-12 | 1 |  |  |

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

- 2015-12-18 [Anstaff Bank Acquisition of Twin Lakes Bank Officially Approved - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPVkhsRFRwVmtzNFZNX2NRRlViLUVhRjdIY3NlcWQwcE8yTGNmbHp1WVNkQkc4ODFRNWk0YW5ZTnV1VlA2cXZRWTBzVl96YzJ0aWNpV2ViRUJfZTFyS1NxS25pa25RYkpxcWVpcTZzMEpQTWNFMnFlMlAxUnYxb2VtV1pCTUVOd29QU0xOalh2RHJfcjVxc0xSU3ZId29XUQ?oc=5) · Talk Business &amp; Politics
- 2014-10-27 [Marcus Walser of Twin Lakes Community Bank (CFO of the Year Finalist, Bank) - Arkansas Business](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVFBjeUdCZkdhUkVQdWozZVJWWUpSU0dOdnVwZ3Ziem5xODRxUjBiZUw3WEMzb1BXaWFYeGlvTEtFektiVllydVZ2SnBMNkw5UDU0TUdTTERKNWlTSUYwS29zcC1YalJRM1BWVDZyN2toTHB4Z0pIZGlJSGRxd0FkRE52dlF1Q2lPNzdDdEl0bzQ5aGNGYi1pZWVvamR2MFRsdTlQaDlodFdNMDVpVS1tTGZqTXc?oc=5) · Arkansas Business
- 2023-01-19 [Noel Morris seeks to help seniors age in place through at home caregiving - mhobserver.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPS0NrY0ZlTlpOVkRlM0dGeGNKLXpMM0hfVWZTdS1YQlM3X0tnTUJYMFRlTlh1OUJVSWI3eTYxcy05VjdIQVhua29VMW02d1hRbGtxMVJFV3ZSeVlfT09TVy1zOUo5OHZRQzlOcE5yS2pDdmpjNDJ1ZjdCM1RwdkRwVjJUd2padGw0MXJrZnZnYXhabE00RUNZQnFNMTE?oc=5) · mhobserver.com
- 2016-05-10 [Donors Honored at Annual Baxter Regional Hospital Foundation Banquet - Baxter Health](https://news.google.com/rss/articles/CBMiogFBVV95cUxOeXVJUF9fcVhzZy14LVdCVWJOdXR1eUFCdndqMXhQOHdXdXZyNWtiRW10MWZHelFQb2pLMURjOFNCekhlc181eFM3b20yS2d3WFNUNTd4eTYwcWJkMTI0MlltWFRxQmNncHRiRlZuVXNfYUdDLTU1bFN0Mk5qckZ6dFRnMkhzcFFYVFJ0eWJLMGJ6dU5FYmdEc1lsTG1hSEtfM3c?oc=5) · Baxter Health
- 2014-07-15 [FNB Green Forest Changes Name to Anstaff Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZVU3MndZMW10TEF1anA1Njh5QlVCVjRZMzVFM1ZLcjkzR204eTFIWnBINUtZelRwZnUxbkNZdFlIWUt6N01DNEhyZHRDeHhOYlBaVnBneVZtVHRwTWh5WXBveXlYRkVMS01uX0hFV184NTBaTFVrX09JS1MyRFlFa1dOZXQzQQ?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15880 (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/8.json (key "15880", 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