# TPNB BANK
PARIS, MO · FDIC certificate 4556 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $112.0M | |
| Deposits | $94.1M | |
| Loans and leases | $66.4M | |
| Total equity | $15.3M | |
| Loans / deposits | 69.71% (p44 of band) | 73.59% |
| Liquid assets / assets | 35.35% (p56 of band) | |
| Uninsured deposits / deposits | 18.44% (p45 of band) | 19.81% |
| Brokered deposits | 1.34% | |
| Wholesale funding | 2.96% (p64 of band) | |
| FHLB advances / assets | 1.62% | |
| Tier 1 leverage | 15.15% (p77 of band) | 11.76% |
| Unrealized securities loss / equity | -16.12% (p29 of band) | -6.57% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 0.92% (p36 of band) | 1.17% |
| Net interest margin | 3.56% (p32 of band) | 3.93% |
| Efficiency ratio | 63.37% (p43 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 20.37% (p54 of band) | |
| Auto loans | $1.2M (1.86% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 1 |  | noncurrent p90 |
| 2014-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 | noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 1 |  | noncurrent p90, capital falling |
| 2020-09 | 2 | noncurrent p90 |  |
| 2020-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 3 | deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2024-09 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 1 | capital falling | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-04 [John M. Raines - University of Missouri System](https://news.google.com/rss/articles/CBMiWEFVX3lxTE40WWFEVlpQVENuUDdRemhFd0pGYTNZZUFzX084NnJkMUozdS01U1Iyam9VeXpGZ3pOWGVqQjBSSmJwT2JyQ25Dby11dlpxeXRPWU53VXhRcUw?oc=5) · University of Missouri System
- 2024-11-13 [Mizzou Alumni Association names 2024 Faculty and Alumni Award winners - Show Me Mizzou](https://news.google.com/rss/articles/CBMipgFBVV95cUxQekhmdEhNbXJTSGtLWHFzTFpxdDYwWDkyQVQwS1ZyRG5Ha2MxSms1dkdRMkVjQVBXUGxoNk0zczdsem50cjhJRFZsU3RiaHJTQUh0ZlJadGZyX1o2ZUgtSUNtUUdDZTctWE8zOTVjYUdCZWoyTjJKeWtVTmVwR2xqZThweXBQNF81Z2tCMFBGaEl6QzQwMWNrZFBuLVNva1ZVaFhtS0h3?oc=5) · Show Me Mizzou
- 2024-12-17 [Dale Gann Obituary Dec 17, 2024 - Adams Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE51YWFkYjBXdEtBTzdPREM3WW9aMmQtSU1uZkVQSy1vU2t4LWpmb3RYN3M4MllUUnVYbjd1MmRhNWNqWjY4MEhNdmFDTGxlX1NDWWFQTGZNSFJia2hjVkI1enp0TE5SZw?oc=5) · Adams Funeral Home and Crematory
- 2026-08-27 [Sabanto Appoints John Raines to Board of Directors - farms.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOYVhLeldXb3ZFRTgtT0VXTjBRV1RSN1NGc3dZQ0x0ZjQ4UmRHUFlKcnQwTThxNGlJU1pSWDNIY21Mam1SMWhBOHVRMHdzRzhWcHdTZVhpT2RMbWtLQzkyZ3A0SmZrakpWQ1RfdjZBeE8wR2lUNEtNSmZnVGlOdnRCeVFpQ2J6dFZONmFuUmRxZU9mckhtVUdUeXFTSXFUSnM?oc=5) · farms.com
- 2025-02-20 [Opinion: Bill allowing duplicate doctoral programs will increase tuition and require significant state support - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNekpLM3ZzRFlvdy1abnJJZHlqSUlEenN6ZjE3cTNmU0RSTEFkcVc3NUM5cWJHZ2hRS2xvWWVURHVBeGFfRERhUlRJX2RBYWlmNXRMc3JiRkk0Y2owY2U4Yk9fSVVwdFZtcnc4aGhWMG1Ld1JVcDgydEZ5MWQyZktjZUlIck1Lb2JnQjhUZjlzN0RDeTl0cVdOSWp0SVFBOWNTYm56dVQzeEZyVE5CQklTa0M0QXZXN0d2YlZVVUg0ZzJIdllBNUtXTkpUejJxUmtWUE5yVDdfQUJ4NkNNNTBUeTdEbS1yNlQ2QjhfLQ?oc=5) · Springfield Daily Citizen
- 2026-08-26 [A three-decade agriculture executive joins Sabanto's board after Series B close - stocktitan.net](https://news.google.com/rss/articles/CBMivwFBVV95cUxQQUMydWxad3E3alVqclg0NUFSYWdWNHlBemUtLTh6YTQzYWdJa2xoNG1ZUkxPRHltVTNLbnczT0wwMjBsbGhYOXByR1dKUFFaOWtyVXlDaGhxMVdfLVRVRlRnTVp4Z2RfV192S2NnR19BcnpSeTZhT3FpR3JQOHhmVE5nQ0l4LU5reHI1UzdsemRYNWdXOHRMaEhwNXBwU2FCcDlGMmxEUnFmR1huOWZQb3RlNEpSYUx1WE9rb1c2TQ?oc=5) · stocktitan.net
- 2026-08-26 [Sabanto Appoints Agriculture Technology Veteran John M. Raines to its Board of Directors - Sahm](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOVVZlcUhrX29Yc01sYS1zUFlfTmlvYXJ3MF96YmUxMG9nRGpreUtzTkFRdXFHdjZod2ZRWGpZSHBPeTJ6WHowMWRIUElCa1A0N2l5dFhmUDVkN0YyRjNyWkVNWGNlYzRlRVNGOG9tUkNzTXkzNDdwSURTdktaMDVWcFBkR2NnajdqVVVQLUFpQ2FhN05fR0ZzUE9MczNFUDBTdWpUT1VFWEFzeWdRb01oVjZnYXdmQ0JDaW44UElxc09Vb3ZuWTNxNkxjZXl2QlRQQVlRMjV3?oc=5) · Sahm
- 2022-02-17 [Joseph Francis Hartmann Obituary - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9tTTREVVdWNTN6SFJRUU9WeUlmRDNuNkxram8zVmQ2dzViRHBMOXdZMExleVY3QmMtcTJnci1CZGdEM1FoLTA3b3dfaXZhZzU5Q1RWRk1ULTNJaC1YSjFmZVB3bEg?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4556 (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/12.json (key "4556", 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