# TWIN CITY BANK
LONGVIEW, WA · FDIC certificate 35261 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $150.7M | |
| Deposits | $135.4M | |
| Loans and leases | $62.2M | |
| Total equity | $14.5M | |
| Loans / deposits | 45.45% (p16 of band) | 73.59% |
| Liquid assets / assets | 56.95% (p85 of band) | |
| Uninsured deposits / deposits | -0.46% (p0 of band) | 19.81% |
| Brokered deposits | 46.20% | |
| Wholesale funding | 46.20% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.57% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -9.10% (p42 of band) | -6.57% |
| AOCI / equity | 0.15% (p90 of band) | |
| ROA (annualized) | 0.39% (p15 of band) | 1.17% |
| Net interest margin | 3.98% (p53 of band) | 3.93% |
| Efficiency ratio | 84.78% (p85 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 62% | |
| Construction % of loans | 7.24% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 111.9% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | expense ratio p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving | losing money |
| 2012-06 | 4 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving, liquid assets <10%, deposits shrinking, assets shrinking |
| 2012-12 | 3 | noncurrent p90, deposits shrinking |  |
| 2013-03 | 3 | assets shrinking | noncurrent p90 |
| 2013-06 | 2 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-09 | 3 | losing money |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 2 | charge-offs p90 | expense ratio p90, losing money, capital falling |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 6 | capital falling, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 |  | capital falling, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 3 | losing money, expense ratio p90 |  |
| 2015-06 | 2 |  | losing money |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | losing money | reserve under noncurrent |
| 2016-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, losing money |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, assets shrinking |  |
| 2018-06 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2018-09 | 1 | construction >100% equity | uninsured deposits leaving |
| 2018-12 | 1 | liquid assets <10% | construction >100% equity |
| 2019-03 | 0 |  | liquid assets <10% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 0 |  | charge-offs p90 |
| 2021-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 2 |  | uninsured deposits leaving |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | deposits shrinking |
| 2022-09 | 3 | capital falling | assets shrinking |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | reserve under noncurrent |  |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | reserve under noncurrent |
| 2025-06 | 1 | charge-offs p90 | securities losses >30% of equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | uninsured deposits >50% | charge-offs p90 |
| 2026-06 | 3 | brokered >10%, wholesale funding >15%, capital falling | uninsured deposits >50% |

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

- 2026-07-30 [Founder of fintech Increase buys a bank in Washington state - Banking Dive](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQlJKZ2xGT2t1cDlxRXl5QU1JaEk5NVU5SDZkZ1Y1Q0IzbFlyU1hJSTdlcGdWdmFfMS1mbDRvZ0lpZVg2SFEtRHUwZ2ZpSVVUbHVCZVplUjIxY09fT1ZBcHZ0TUNtN05HUHdTdkROZlJ5WWN0Y194OW5TS3BGYzVQSDhrajBqQ1RLWXdNaktn?oc=5) · Banking Dive
- 2026-07-30 [Former Stripe executive takes full control of Washington bank - Retail Banker International](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNU1UR1BaUlFWVTlZQ0RBSHpNLWRKbG8tLTMxZG40a2pMVHBYWFlraXNTd1J5OExfMmVka3had2RxUVNXZWFDZDRvM2lRLVRvWElHRllwZGQ5VHhtY3c1dVV4UmlXbW9tSnFkVDJERjZ6WHp2bVNRdlk3UklfYXBVRXBUemZfMjRodWNhTURlNFkxZw?oc=5) · Retail Banker International
- 2026-07-29 [Startup Founder Buys Washington Bank to Extend Fintech Push - Bloomberg.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNNU9Vd1gzMUVtaTV4V2ZaS1ZvVlpQd1RSREFkWWNDWF9uN2IzNW9SbDI1WHRpQkFCeEhxWGVzNjFIdU1JOXo3V0pOanptd0pFekY2UGswYlBfb192QVBLcG1KV042Y1pUU3lMSjBxcWxSWHRxUHJUb1pmSVF5M0Q3RnNSOF9OczR4WExLYkVkRHJ4YW1uUGFmaXZ0RG5mc3dkNmdzR3BXSlNJb0lzQ3dV?oc=5) · Bloomberg.com
- 2026-07-29 [Increase Brings Banking and Banking Infrastructure Under One Roof - Finovate](https://news.google.com/rss/articles/CBMikAFBVV95cUxOS3haTTZzQkNrTW1FdDdpZGpIWnRHNlFiR21VUWUyMzJKZ2x5bjZWQ201b3dhTzdsNVJyNFh5LXNCZUZVVDVmelo3Yk9zaC1YZWtQRXF2bDZieF9hZzRPQ2JnLWpBYXlUekRPQVhON1N5T0pfZjk5bHFLb3ZIRFJQOGU0cnRyWlNsV19nZG90eE8?oc=5) · Finovate
- 2026-07-31 [Ex-Stripe employee debuts converted community bank - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdkg2YUNsd2kyMXRHdmNlSEdOOW1tNDNuMk5sSUNvcjlTRHZzY2M3eVRiRTV2UkU3Y2gyNTJHNTJXbm1JdHJZQmZVbms1REpHa0FQc3VsLXR3Q0E4NGdEaWF4YkZsa0NlRDJHX2JmZVFqcVdyUUw2NlA1NFBSNDlsQTMxYkQyaUVkVE1kOS0xVDJCQQ?oc=5) · American Banker
- 2026-07-29 [Fintech Increase Acquires Bank Charter, Eliminating BaaS Middleware That Broke Synapse - Tech Times](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOOFJMbGlCTTBJZmkzc2dYV29WamVGeS1CTnZUcjF1Qmo1M0VLVE9SN18wRm5wSFNqa0VSZVRlLXhuWXk3M0dJUU56dF9uTnBpZmVSX3ZiSVl6SlZIaDlBLTdaQXB3TGs0Rk5nck9ySGJvMjRsMThCcl9ueGZvT2tDODE0Vk5NeGdVbm5XTHQ5aVZaMzQ0OWtuMVlvWV8yc2w0X0JtbFJnbmFGX0R1VVpLZVBhQy1zdE9vaHlJWjFPWndLOEs2OHI4aGxlZDdaZUFmVG1KODhEcw?oc=5) · Tech Times
- 2026-07-29 [Ex-Stripe Employee Darragh Buckley Buys Community Bank, Renames It Increase Bank - Briefs Finance](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaWNaWW84WGtKZjJTblVqbDh3MUJGWmprSTBEekVhNEdTOV9HY242R21YRHMzZ0tWd0JXbFpoR245QXFER19fNS1ZMVhVNS02TjNJQXFJMHl6Tzd5dUhIZzFVb3JScjRPWkhiWVVBczNxZHdETlJqSjJ5cF9KZHA4NW1ZSjJCU3U5Y2R5dnRiamZsdw?oc=5) · Briefs Finance
- 2026-08-04 [Startup founder buys Washington bank to extend fintech push - theedgemalaysia.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBxNjEyMUlQWk9fdkZQVktVV3U0STBla0xXSlJiMkpEdjJiX2d0TXQ4S2M5cG9wQXNMbHIxVElVbU5LUVQ5cFJSTEtHWnROUFRS?oc=5) · theedgemalaysia.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35261 (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/61.json (key "35261", 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