# TRIUMPH STATE BANK
TRIMONT, MN · FDIC certificate 1906 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $93.3M | |
| Deposits | $80.0M | |
| Loans and leases | $63.9M | |
| Total equity | $12.1M | |
| Loans / deposits | 78.76% (p60 of band) | 73.59% |
| Liquid assets / assets | 30.33% (p45 of band) | |
| Uninsured deposits / deposits | 14.84% (p31 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.87% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -0.88% (p79 of band) | -6.57% |
| AOCI / equity | -0.40% (p49 of band) | |
| ROA (annualized) | 1.56% (p71 of band) | 1.17% |
| Net interest margin | 5.13% (p92 of band) | 3.93% |
| Efficiency ratio | 52.53% (p18 of band) | |
| Noncurrent loans | 5.00% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.11% (p88 of band) | |
| Reserve coverage of noncurrent | 25.82% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 18.27% (p51 of band) | |
| Auto loans | $2.2M (3.44% of loans; DQ 11.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | 2 | capital falling |  |
| 2012-03 | 4 | losing money, charge-offs p90 |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent, losing money, charge-offs p90 |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 4 | deposits shrinking, assets shrinking |  |
| 2016-09 | 2 |  | deposits shrinking, assets shrinking |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 1 |  | noncurrent p90 |
| 2023-12 | 0 |  | reserve under noncurrent |
| 2024-03 | 2 | deposits shrinking, assets shrinking |  |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

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

- 2025-07-08 [Tammy Willaby Obituary Dec 25, 2012 - sturmfh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1DVHdqYUU0STZCZ21yQTNNdF9WSDJUWlN1eUJhTXRUR21oLVlMZHF4dDFjRS1PZi1sdHc2ak4tSm01SDktLWx0cG42OGZvR282M2VPOXFNYl9tZEZZ?oc=5) · sturmfh.com
- 2022-06-22 [Donald Peter Nickel Obituary Jun 22, 2022 - sturmfh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBIdk5QVkhXVnJYSkE5LW9nVGRaUTZ1akdxWEdUVDAxTEgtbWE1cmRrOEZrNzdrX0ZjamdyMS11bG10SFRfSUgyQmdnNnRGUmlwcUZTc3RXMFVuNllX?oc=5) · sturmfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1906 (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/50.json (key "1906", 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