# TCF NATIONAL BANK
SIOUX FALLS, SD · FDIC certificate 28330 · asset band $10-100B · latest filing 2021-03 · stopped filing (departed)

**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 | $49.42B | |
| Deposits | $39.98B | |
| Loans and leases | $36.33B | |
| Total equity | $5.42B | |
| Loans / deposits | 89.61% (p82 of band) | 76.41% |
| Liquid assets / assets | 19.55% (p18 of band) | |
| Uninsured deposits / deposits | 26.79% (p22 of band) | 41.45% |
| Brokered deposits | 4.00% | |
| Wholesale funding | 8.78% (p70 of band) | |
| FHLB advances / assets | 4.17% | |
| Tier 1 leverage | 8.73% (p36 of band) | 9.21% |
| Unrealized securities loss / equity | 0.17% (p38 of band) | 0.66% |
| AOCI / equity | -3.32% (p14 of band) | |
| ROA (annualized) | 1.04% (p28 of band) | 1.29% |
| Net interest margin | 3.46% (p82 of band) | 2.97% |
| Efficiency ratio | 66.32% (p89 of band) | |
| Noncurrent loans | 1.89% (p90 of band) | 0.57% |
| Net charge-offs (annualized) | 0.38% (p96 of band) | |
| Reserve coverage of noncurrent | 73.42% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 20.72% (p36 of band) | |
| Auto loans | $400.0M (1.10% of loans; DQ 0.45%, NCO 0.00%) | |
| Loans to nondepository financials | $23.8M (0% of equity) (p41 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 6859 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 7 | liquid assets <10%, capital falling, losing money, expense ratio p90 |  |
| 2012-06 | 5 |  | wholesale funding >15%, capital falling |
| 2012-09 | 6 | assets shrinking |  |
| 2012-12 | 5 |  | assets shrinking |
| 2013-03 | 2 |  | liquid assets <10%, losing money, expense ratio p90 |
| 2013-06 | 3 | liquid assets <10% |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | uninsured deposits leaving |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | liquid assets <10% |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | liquid assets <10%, expense ratio p90 | reserve under noncurrent |
| 2017-06 | 2 |  | liquid assets <10% |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 1 |  | loans exceed deposits, capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | loans exceed deposits, capital falling | expense ratio p90 |
| 2019-06 | 1 |  | loans exceed deposits |
| 2019-09 | 2 | expense ratio p90, reserve under noncurrent | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | wholesale funding >15%, capital falling | expense ratio p90, reserve under noncurrent |
| 2020-06 | 2 | expense ratio p90 | wholesale funding >15% |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 2 | charge-offs p90 | expense ratio p90 |

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

- 2020-01-09 [Alaska USA Federal Credit Union to Acquire TCF Bank Branches in Arizona - Alaska Business Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxPaGF0UEpCTEdLVFlzZHYwTG1VUVZDQlJWTC1oNmJZSjZCalVJRFllcGxrVTA3NFcyaldta21LMFhEbm5FUHpHc1dTT01zRFNaM0psaWVSUTNqTHdpNEg0WVY3a1Vfd2pfZEkwVVFUcVJBTW9XczFCTjNIZmczaEhlT0RpeXlDWUFBajJFVU1pMXBaQkxmUGtwb3ZMUGRFVGFOSnNnZHlRVzB0bnplQV9fRzgxMlI?oc=5) · Alaska Business Magazine
- 2020-08-10 [Chemical Bank offices take on TCF name - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZEVhWlhZZDl1cHZfWURnajFodmF0V1FnYmZsaFhMR1VsN09tTXlzdllvcEUxVi1wSWxEaTAybF9velVtUmpZY3I5N18ydXJVRnNhai04bDJrZ1RsUmJKMk1XNDR3WkhaWGVudVJBc1kzU3lybUdiV29mVnI5UG1vd05STEpFd0lNdTdpd0x1bmtwSV81OGtodUh3?oc=5) · Crain's Grand Rapids
- 2020-08-10 [TCF National Bank Completes Integration with Chemical Bank, Creating Strong Foundation to Strengthen Individuals, Businesses and the Community - Business Wire](https://news.google.com/rss/articles/CBMiowJBVV95cUxPMndoMUd4QmJ6LUJILXdNUVZRZHNSaWh4MFYtaHhRRWY0bWtGbFVJU3lDTFBoQ2hvX2VJcVRQY1JnUkpDZFZMMTl3Y1VJLTJUY3p2Y3c2X0RIZEVpX3BJalpDU0JpTm9jVVMtdi1aTWF1X1pBUWtFRDRXNHQ2eEYyV09sREs4NHVQSjhqdFcxcGgtNmJjMXA0WXpKZTdYSU4yVkpqekJVaEI1dG5qa25yN2FqZElsR19MWVpYSkk2Q2hHbWM1ZXZpTkxYR3RqUDM2UllQOXNwRnZjNTRpSFNCclNqV0RQRVdyUEplTkRIYkpKVEVLSkw1Sm15MkpMU3Z0cURTT3ZScGZTNTJVbi14TWwwb2FwSGNGSE1nZ040S0FvTFE?oc=5) · Business Wire
- 2016-06-30 [TCF Financial Corporation Announces Definitive Agreement to Acquire Gateway One Lending & Finance, LLC - SEC.gov](https://news.google.com/rss/articles/CBMikAFBVV95cUxQV0V3ZWIzWV8tcW5NMmdMZjdWOXpFb3hKOXBWWS1FeF8xd3BZUl9rOHk3X0FITkNFVXI0WmVXak5fcGlkUTZwSjBqeFZzYkhmUEJyS0RtVno3d3pVVmNsV3l5bWowNHMzRXRjbzE0d1dvdzBjbkFTbkkyamY4RVJEZ2dtcEpuLXg3WWt6UUpQcXY?oc=5) · SEC.gov
- 2025-05-15 [Michigan’s Biggest Banks - Bridge Michigan](https://news.google.com/rss/articles/CBMibEFVX3lxTE1yaF9SOG1TN1kxbXE3bmxJMl9sUUw2UUpWMWhGQnVFYkdxZUluR0lnY3FMelFCLUtDZ2dBSTNGMnBoTXJ2aXpEbUZOdVpIa3U0d19KNmhnRlJSdE5IT05FS1hPUmZxM3J4T1Y3bg?oc=5) · Bridge Michigan
- 2017-10-30 [TCF Bank acquires Rubicon Mortgage Advisors - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZlhaaTY2UXhGY1Y1WVRLeGh1MXJUUVNVYklQdXQxR1NiWWdmcXQ3TVZrZTZ3cXUyUXAwYkctcFpaLURTbVVjT0VpMHdvR3BaNkJMVHlVT3FGZUU2VS16UHl0SXYydVhCZjlvYnkxc3AyWTZkbzBOVWF4TTZsb3BSd2psenNzdi1rTTRJblpmRGI4NUhBQ3VTQjlxc1BJaThwd3pnS0c3MlJESjFUS2FQLQ?oc=5) · Milwaukee Journal Sentinel
- 2017-01-20 [Agency: TCF National Bank tricked customers on overdraft fees - USA Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxOc1YzekVEWUtKRkFMTWRDMVA4MmNhZUJhd0g4M0RPR3V0U1h2R00zY1l6QUxIRHZpVVNPV08yNGI4MnlsWmJGVW5GNVlYT2xWVTA3b3Voc2NfLTlyR2t6dXBneTBVMHN2OXFwZmtVRU42ZFFCOGZUR09uUHdrZ2hVcEllRmNSbDhUUm1VWExYY1JFVVBMZ0RKWFpfRTdmUU5U?oc=5) · USA Today
- 2017-01-22 [A former bank CEO named his boat ‘Overdraft.’ Now that bank is in hot water over the fees. - The Washington Post](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQNzY3SVk5UUVNTWxhaWJqRlNpc3BJU0EyVU96NTNYVDlRSGVucjYtTkFQWklnMUtpTGQyWi15S05HN3VMQTZWTWU4OHg1RjEwM3VaUlRrejN3bk0yT3pHZ211VldZQ21Fci0weWpFOGMxTWtZTlVpWnFCRElPdUFPRTZUc25SN0hMcXN6M0h1cHQ2cUZxaDkwMC1uWWNLbmc5THN2Q3gyZ0Y0aUFFa2h5UzAxVkEydkoyUUdKLTRaNXIwRGxGWVNGUXloNjdsYUprMjJiMDVzTzJGc1o0MlUwUw?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28330 (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/42.json (key "28330", 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