# TRISTAR BANK
DICKSON, TN · FDIC certificate 35417 · asset band $300M-1B · 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 | $562.7M | |
| Deposits | $466.3M | |
| Loans and leases | $374.7M | |
| Total equity | $46.8M | |
| Loans / deposits | 79.67% (p45 of band) | 82.04% |
| Liquid assets / assets | 27.27% (p56 of band) | |
| Uninsured deposits / deposits | 27.61% (p57 of band) | 25.97% |
| Brokered deposits | 6.22% | |
| Wholesale funding | 13.68% (p85 of band) | |
| FHLB advances / assets | 6.93% | |
| Tier 1 leverage | 9.85% (p30 of band) | 10.81% |
| Unrealized securities loss / equity | -22.99% (p19 of band) | -8.10% |
| AOCI / equity | -0.30% (p53 of band) | |
| ROA (annualized) | 0.83% (p23 of band) | 1.28% |
| Net interest margin | 3.60% (p33 of band) | 3.91% |
| Efficiency ratio | 72.55% (p79 of band) | |
| Noncurrent loans | 0.61% (p59 of band) | 0.43% |
| Net charge-offs (annualized) | 0.14% (p87 of band) | |
| Reserve coverage of noncurrent | 140.49% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 66.49% (p69 of band) | |
| Auto loans | $1.6M (0.41% of loans; DQ 1.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 82 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | construction >100% equity |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 3 | AOCI drag >20% of equity, charge-offs p90, construction >100% equity |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | construction >100% equity, charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | capital falling, construction >100% equity |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity, construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-07-20 [TriStar Bank Launches Inaugural Day of Service Across Middle Tennessee - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdk4xR1BNNW1VNjJlbFBLZDg4SXNNOVVLVENfNU1QOER4dFNDUmhocXNlZlh6dTF1X1ZzS0VIWHN4cTVjcWVHWjRhOXFlNFdVa1RjRkRma1FXZVVtSVU1NGZjQ3pfWl9yOTN3NlJ6eGtLMWkxd0paWDBNUklZdVRyNThvaHdWTjNZVkJxOE11UGVTTjliN2trR0NZeGJrZjYtdFE?oc=5) · Yahoo Finance
- 2025-12-11 [Tennessee organizations and leaders honored with Financial Literacy Awards - The Tennessee Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxNdnF3SlpsLWlQVEdzOEdrNTNhNGdhRjZJeHlMYk5iSmQ3aWxnRjlNWERyN1d5TUk0TUVBMDVRYWNxWnJQdWowOV91dGJPMV92UzBlaklHenc4bndQSTEwalo4YXBFMVp5ZnladU9FTnRmbjY0UlhVVU9XeGxaRXFCb0VEQlF2QXJBWi1aQ2V2eFUtVEg0NUpSTkl4OFFsZw?oc=5) · The Tennessee Tribune
- 2026-09-05 [TriStar Bank Community Room Brings Connection to Columbia State's Southern Regional Technology Center - PR Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQNjRzY21oTWlpeUM1TXFOSE9wVUE2bzVoMEFNWDl5VWtQSVZmQmY4Q0N3RXEzcFRLU1NYalFraWJOMm9aSVN0cW43dHN0SV9CNTJzQWlPYTB4aHN6SnhUSEJZRy1fUXlINnVRUFcwR2g2Um0ydnVaMG1LQW52UDNvZ01ZOThhMy1fV3FyRVFGVmczM21SMVlBU1M5WExkT2pQWUdNUXRwLUIycFVPM1ZPaGt4WjNMcE83UzlFSHhzR3dISElnZWZvUTR6ZXRNYzh1Ymg5N1huQUhIZlJBTEVVWW9xU0ZwNlhDZFI1Ug?oc=5) · PR Newswire
- 2023-11-23 [TriStar Bank promotes three employees - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdVd1UDhaMjJESjl2OVI1OVR1LWFSZzMzVWhTVlBDVnlVcUY1aG9jdEgtNzZ1VkVwVWg0NFRDTk9teGxmaEF5U3RIVGFSOC1XQjBKX3JnOWM0LThvX0FqZlZyQjRzZ3ZING1NQ2QtWUtpc2V6ekYtVUZabWFXb1M2dm9HcFQyalZvSDlKb2dvcmtiUlE?oc=5) · Main Street Media of Tennessee
- 2014-03-03 [Banking on a new home - columbiadailyherald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZm5zSURGSUlqUFJscFl2Rk9vVER0eHlZUWktQkpmcU1Db3AzNFp5MlFxSHFmUERXa0RRODdzcjBzLVNtVkV4M1NwSGE5dDVYU0FicEJkbmdJTHhDYTE1bzB4YkFxX1ZwcXhWbW5Odm9YR0hJZW52WTZSUmhwNk05MEFlcHRXd1ZFZDMtODY0eFBzRnQ1cjJTNUNXQ0U?oc=5) · columbiadailyherald.com
- 2024-05-08 [TriStar Bank welcomes Speyer as new chairman - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMinAFBVV95cUxPY255YlZmTmRhbVZNbVZ0R0ZCVGJGalVzQjdjbXlmcllDTnkwNXZJTmVVTEpMM3pnMXJ1cG8xd0lBSkhjS2gwbmhGSlUzb2RPT2pIUndieTRUM2xoTURKOHZObjZKeDJ0M1NZMGJCUVJRdkg5dm8zd0YzQUFzSG12dFJFNWdIdUl4VHFrRlpVZEtFVG9SUUtYVUNjd2U?oc=5) · Main Street Media of Tennessee
- 2020-05-29 [TriStar Bank announces new members to Board of Directors - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxOLTJUYlBXajJTTUxBYUs3bEFZWDJLNWh0VVhJZE00RWRRaVlzRWRRS1VQNzgzSFpMdXJEWjdfc2NvbXZDQ1NUbUViLVdLbzF0ZnhxX1JkcE5UZGc3eTl5emhXMVZKUkhPeEVpa0VlODNSVXhwM1IyZU50LUotWmxROHhKS2ZIMnY1M2pMa1otVHJNbk10WUQ3ajdjZXJlWUMwT1J5T0ltYVV3R3d0elU1MV9UQTIybnJOV05ET2JmY2JtS1Q2ejFtTW9n?oc=5) · columbiadailyherald.com
- 2020-02-12 [TriStar Bank names new president - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcDlZcTdPR3dhVUEyQVRTblQyLVlJZ284U2JCU3RXdi1PMjBIUmN2VGdfcXBjQmxqbTRQbkNsbUZmbHdGZnBwN3NkVkItbGtDcTRmZUUzSGl3VDFSSGFRZkJHMEc1TUZwTDY0eHdIbUhFVmdIOV8zdTlSaG4yUV92MmRyejhGR0xrSkpkVg?oc=5) · Main Street Media of Tennessee

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35417 (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/25.json (key "35417", 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