# TSB BANK
LOMIRA, WI · FDIC certificate 17208 · asset band <$300M · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $193.4M | |
| Deposits | $158.2M | |
| Loans and leases | $145.4M | |
| Total equity | $24.7M | |
| Loans / deposits | 90.90% (p82 of band) | 72.07% |
| Liquid assets / assets | 23.56% (p26 of band) | |
| Uninsured deposits / deposits | 17.08% (p43 of band) | 18.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.65% (p63 of band) | |
| FHLB advances / assets | 4.65% | |
| Tier 1 leverage | 12.72% (p62 of band) | 11.60% |
| Unrealized securities loss / equity | -1.59% (p77 of band) | -10.38% |
| AOCI / equity | -0.01% (p2 of band) | |
| ROA (annualized) | 1.38% (p73 of band) | 0.91% |
| Net interest margin | 3.68% (p56 of band) | 3.54% |
| Efficiency ratio | 62.29% (p31 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.27% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 43.83% (p73 of band) | |
| Auto loans | $1.4M (0.94% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2016-09 | 1 | uninsured deposits leaving | deposits shrinking |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2017-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | capital falling, charge-offs p90 |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 | charge-offs p90 | capital falling |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 1 |  | uninsured deposits leaving |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |

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

- 2026-02-06 [Empeople Credit Union opens new Fond du Lac branch after expansion - fdlreporter.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPMGpTY01ibXBadFNOMzNXOGd0VDl3cFRqcldxcGszWTY1eHhDVjk2d21vNmdvZzRJaGl1RHNBTGFqMUJpaGpOZ0tXck9VSUlrYmtJcTUzQ1NreU5HRHFjYTJWdzk5T3IxOVlxd0JPa0JnbEp1MFM2TDFuaFhtN3BXTTZHd3BBN1dRZ2RqMkpvQkNQX2Ftbkc3eW53VklpZzAwbjRNcDVDWWhyR3hGc0x1cV9YUTE?oc=5) · fdlreporter.com
- 2024-02-08 [Empeople Credit Union to acquire Wisconsin bank - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxQMWVQSFpJdE80ZVQ0MlhkUzJZTVpTWUJDeUVhVjFhOXI0QkZadnpyVElmMFVKV3gwYnI2UG9PVDhwM3ZpeDhmczJHS2JjOGp6YjBPRS0tdzdiN1N3UXNyZjdJUDVpb0wwOGFIYTI5cGo5S0Z0aHRMV3c2OTFEQWNVdmJOdGdUS0loMVh6U2UyRnBhNlRObS1xenN4SzFUR28?oc=5) · Banking Dive
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2023-02-01 [How to Buy Crypto With TSB Bank [2026] - Finbold](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1BZndDX2hWcGRYeTRMdlNrYjZNeWRBb2pXOThaZ2hSYWMzQ0ZGSDJ3dkNpdDlVeVB0M2NNbFR6WnlFcjVYUURob2FTd2drank4bXhPWlJYOTNESWtZS0hDNnZn?oc=5) · Finbold
- 2019-06-26 [Fort Atkinson's Premier Bank to get new president - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMiygFBVV95cUxPSUZvS1M5RTBfTW9WU2pWVTE2aS1iMWtEYjQ1cWhpQkpVNnhsZTFieWNfZG5EQ21tdGVsUTJwM2VpOUVVTWt3ckMyang5T1ZhSlBnRnQ2UUVwMHFURGl6cWQ1eFRrcDFvQnZxM3V1NHhJemNWY3VUMXdVdnM2QkNTVEMxOUlFS2pqRndSZTg1UTJGNFJSTXNWMk1HRld4TGQwalQyYWlSYjl4eDl2dHEzVE8weU9QWXVlY2R0SkYtQ0J0UU1WamlsZUNB?oc=5) · Daily Jefferson County Union
- 2025-07-08 [TSB Bank calls for banking regulatory reform - interest.co.nz](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNWmFHVHNvcTI4eWZlQWxsTUZsNGE3Rm1oa1E3a1p6bGxKaG1oT01wYTdxN0ppQkZoVEc2M0tUY21Hbl8tQXRNN1lXQ1pUOWNaaTlpOWZzdDJqbzBOSXpjSFNGMk9Nc05JWXY2WWI3TU9ZZHNmem10TEJJUW9ySGs2T0ZfSmoyN0dDZVBRak84bE9wT1RKMmZVRTNwaWVMYldCRGx6Und3NUVvQ3BaYUtUZG9ZMVN3dDNVTG53T09STzdvQTA?oc=5) · interest.co.nz
- 2026-05-07 [Santander completes takeover of TSB – here's what it means for savers and borrowers - Money Saving Expert](https://news.google.com/rss/articles/CBMiekFVX3lxTE5PVkFrRnM5N1NtU1RwSEtmMmtHS2dGUURUYnluVUU2S2JVMWsxSWEyRlBKZXFQRnNhS0xIZ2Y5bWhrS2VQTWhHaUdhUGVQbGRnczNqMU44eTNXVEpvbDYwbXY4ZE53Zm9TcUlSMDU2bG5FNFdGMHlzVnhR?oc=5) · Money Saving Expert
- 2026-08-12 [Empeople names Mitch Kahl to Wisconsin business role - fdlreporter.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPaGxJUTJSNnNEZk5iZjk3V1VkcVF4WFpRX0p2TmFrUC1fVGlEdWNOMTlsVy1BOHdCT3RINFRWX2daZ0pSMDRhQVo4Q0FnRlZMSm5VVXA0OU5wZVJHNGFZdXE0RHpkcjJIYU1vb3V5UUJtbHZqdXEtRUFfVE1YaDk3YWtXdmxOZGVpLV9kblgzckZXdHpwWjVxZERxV2h3d0VHQ3AzNVFFU1RHRmJBcTZVRm5OanF4S2FqLVRXQTlORzllT2JjUFE?oc=5) · fdlreporter.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17208 (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/56.json (key "17208", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide