# TRUMAN BANK
ST. LOUIS, MO · FDIC certificate 27316 · asset band <$300M · latest filing 2012-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $282.3M | |
| Deposits | $245.7M | |
| Loans and leases | $191.6M | |
| Total equity | $5.9M | |
| Loans / deposits | 72.88% (p57 of band) | 69.17% |
| Liquid assets / assets | 21.13% (p18 of band) | |
| Uninsured deposits / deposits | 4.44% (p25 of band) | 8.28% |
| Brokered deposits | 2.56% | |
| Wholesale funding | 12.86% (p90 of band) | |
| FHLB advances / assets | 7.08% | |
| Tier 1 leverage | 1.70% (p0 of band) | 10.02% |
| Unrealized securities loss / equity | 3.75% (p54 of band) | 3.21% |
| AOCI / equity | -2.96% (p1 of band) | |
| ROA (annualized) | -6.21% (p0 of band) | 0.78% |
| Net interest margin | 2.89% (p12 of band) | 3.76% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 19.03% (p99 of band) | 1.31% |
| Net charge-offs (annualized) | 5.43% (p100 of band) | |
| Reserve coverage of noncurrent | 34.22% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 524.73% (p100 of band) | |
| Auto loans | $32,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.7% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | wholesale funding >15%, leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  |  |
| 2011-09 | 10 | leverage <5% |  |
| 2011-12 | 10 | capital falling | wholesale funding >15% |
| 2012-03 | 12 | deposits shrinking, assets shrinking |  |
| 2012-06 | 12 | uninsured deposits leaving | expense ratio p90 |

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

- 2012-05-21 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMidkFVX3lxTE1lc19ob0t6OTl0WWswY1hobWpCVVFZSW84YWMtMF9UZEJzVXF1NUFNVU5Ea1NNblFjT2RBNDJQVlFZR0gyLURQMi14d2NQWlNkZV9aSEVuLWxsMlZaZEp4SjNZNnk2NlZiMXViNkRDZU9fWTNYTlE?oc=5) · Department of Justice (.gov)
- 2012-09-17 [Truman Bank Closes in Clayton, Reopens As Simmons - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxOVXdCdHRFOVozT05WVkpDUXhsQ2djN3UtYlJGNDZyQW1ScVg3cWltcDFRRko4VUR1VHNIeS1UTXRHakwtTV9uanh2ZDZBdXhfRFExcVdqRGJiNlNOTVZ2TEo5RzhNcThfWUNXNjlLSXVNSnFoczVrY3l0TnMwYktTcDkxYTdPNjV6NkVTSHhRM3ZyUWVkbURQLVR1Tm9lWml2?oc=5) · Patch
- 2012-05-21 [Woman heading to prison for robbing 6 banks - KRCG](https://news.google.com/rss/articles/CBMifkFVX3lxTE4ycGZfTFh6UWo2Ym02M1hWbGZta1haZ1IwRExwS05IYW1nWTltcmtSWm9wUUZTbmZWajFoM3haNlhrVWJrQjB0em9qblVaUW0xeWZjcXB3QU8td084WTJYRkdzQmdzWTZBNkNmYUROQ1J6YW84NnZGNG9JSkt3UQ?oc=5) · KRCG
- 2011-06-03 [Truman Bank gets new president, capital influx - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZ21yS09PQzlLZGJvWF85eFFYMGk0bmZGNHcza094SzUwak04ZHloQklqNWZJb1N3c2N4UURRUFJoSnVqSE1XWWk5QWw4N2g1V25wel8zaUtfVjM0VXhId3FfQWVIUE9WU3RjaF9UYWlvZzZuaDZjMG5Sd3MtQ1NUWkpFZDZYOEFNNkxMR3hXOTJBUDZfeGNsZFljckE?oc=5) · The Business Journals
- 2012-12-28 [Richard Miller Obituary (2012) - Saint Louis, MO - St. Louis Post-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQlhpeEhFa0pXcWRkRGxxd3BwNkFJeURBOHRha0F5NmhIYlIwVHpoZDBmRXZUZEdkdlY5OFJQWTR1d05fUGRpbks0UkVsZnFMUWxnMXN1eGMzVXNCa3pwNUEtU2lrNnZtZkpicHJWcVpHM1RYSjE1Qm8ydE9ma2FiRnZhUkwzMnNHb0h5NUx3?oc=5) · legacy.com
- 2018-04-12 [At bankrupt Gateway Buick GMC, a fight with a well-known investor - KSDK](https://news.google.com/rss/articles/CBMizwFBVV95cUxNcTRianItTGU4X21KaEpOaHhBTWdhVWxEWURuRE9zYjRFcUlYRUlnbHdXemYySko1aHNma3ptR0tKcksxbndLYS1JUUtTSFplZzl3Q3hNUmF3UlE0Q1M4NG5NSXdNS1BOOWt2WktxRE1aN1NiSThrTk9iS0JIZUNzRnktUGxHZ2xzLTQwYVRxcmFjUlU4RWEzcC1tTXNvYW5LWmoyY1pCWEVfSkc2SWRDSnpLQnRUcGlDZFkxcDlsRUFTWE9yOFVpeDBQUjJkUE0?oc=5) · KSDK
- 2023-02-03 [Ex-banker Shaun Hayes markets book, as he still owes $5M in restitution for fraud case - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSnFqSDBMMklQMnNDelJSeWc5QkNSSy1UQnVYZEt3dDRxT2FoSTlNZDFRa25jcmhkbUw0Snlsd0NlczBYUjFkUGUxM2gwOWVfdF9QeTJPMkk5OUM5MEFuLWVIYmZlS2JMYnBjVGliMG1LcHFBYThVWlRrbzNweTZycGZFVU9PUldmeGd3SWtUckc3TjNnWkE?oc=5) · The Business Journals
- 2024-05-16 [William Taylor Obituary - Kansas City, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQZmhXQ1NnZ1ZWbjFqLUl1dHJhMXZzOHhSaFpuWHpDSUwwd3lJbkdUY05wd3JJVUZUMTJ6cVBMZll2aHM3NTk0dnNtbHRnVnZlZHN4TXpuNzdRalh1dXUySW1OOEs2ZDZIUTNFbEVZZi1UNVJtTG1DRzFleDVNVURrQjFMYjNfVjJn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27316 (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/52.json (key "27316", 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