# TECUMSEH FEDERAL BANK
TECUMSEH, NE · FDIC certificate 30395 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $53.1M | |
| Deposits | $36.3M | |
| Loans and leases | $26.2M | |
| Total equity | $11.1M | |
| Loans / deposits | 71.05% (p46 of band) | 73.59% |
| Liquid assets / assets | 43.29% (p69 of band) | |
| Uninsured deposits / deposits | 10.14% (p14 of band) | 19.81% |
| Brokered deposits | 2.83% | |
| Wholesale funding | 12.22% (p88 of band) | |
| FHLB advances / assets | 9.37% | |
| Tier 1 leverage | 21.26% (p91 of band) | 11.76% |
| Unrealized securities loss / equity | -4.89% (p57 of band) | -6.57% |
| AOCI / equity | -0.66% (p37 of band) | |
| ROA (annualized) | 0.26% (p11 of band) | 1.17% |
| Net interest margin | 2.65% (p6 of band) | 3.93% |
| Efficiency ratio | 84.91% (p85 of band) | |
| Noncurrent loans | 0.17% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p5 of band) | |
| Reserve coverage of noncurrent | 756.82% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 5.55% (p30 of band) | |
| Auto loans | $376,000 (1.44% of loans; DQ 1.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 8 | |

## 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 | 1 |  |  |
| 2012-03 | 2 | losing money |  |
| 2012-06 | 2 | capital falling | losing money |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 1 | reserve under noncurrent | deposits shrinking |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-09 | 2 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | deposits shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2019-12 | 0 |  | deposits shrinking |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2021-06 | 1 | charge-offs p90 | expense ratio p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | capital falling | charge-offs p90 |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 1 | expense ratio p90 | capital falling, charge-offs p90 |
| 2022-09 | 2 | uninsured deposits leaving |  |
| 2022-12 | 2 | deposits shrinking | uninsured deposits leaving |
| 2023-03 | 3 | uninsured deposits leaving |  |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 4 | losing money, NIM <2.5% |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 4 | wholesale funding >15% |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | losing money |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 2 |  | wholesale funding >15% |
| 2026-03 | 1 | capital falling | expense ratio p90, NIM <2.5% |
| 2026-06 | 0 |  | capital falling |

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

- 2023-08-15 [Obituary for Thomas "Tom" Hamer - Wherry Mortuary](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5wMGl5MWtmbl9rRUM0TV9pLUI5aGhUUVZxUVhyc1dObzRVMmJLem5IQVZUWHNlYU10SVdmazZUamJxSm9EaDdmb095b205MFh0d1dBM3ZiNFRqUWpZUk44RVNB?oc=5) · Wherry Mortuary
- 2021-12-04 [Baleigh Isabelle Brooks - Roper and Sons](https://news.google.com/rss/articles/CBMiakFVX3lxTFBPTFFHeE96TFZRenMwclM4Rm9lc0dBMlE2VmsyMXJ4N3lTbWdVbkhiNHIyYjVuRi1HV0laUHJoVzFFNjBmNFZGSV9FMHc0Y05pVjhhQ2xubFZPN1Z3UmdkZ2lsMlFuU1JiYVE?oc=5) · Roper and Sons
- 2022-07-21 [Obituary for Jodene Rai (Hollis) Werner - Wherry Mortuary](https://news.google.com/rss/articles/CBMiY0FVX3lxTFA3YjB6bmNmelhSWTEzZ2p6LVc1U1BVOHFMMkhjWlN3NEw0em1tc0lqclgxZWxnd25rVDZCaHRHUy1HYUc0VGNFcXdmYXFpTlo1TkV3WkRrdnhqaW83VFE2Ync2WQ?oc=5) · Wherry Mortuary
- 2020-01-11 [Obituary for Betty Corinne (Buerstetta) Fink - Wherry Mortuary](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1mZnJFckpMOW8xa3ZkNE41YTZxSkFzdHFWVjNEWjhsVGZpNTRWV2ViM1V6RTY0dGpVYXJ6Mnp0VVpQdWl0Z2FxWlZPNHY3RENnRVFXaXRydWFla2R0VXdV?oc=5) · Wherry Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30395 (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/59.json (key "30395", 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