# TRADERS BANK
TULLAHOMA, TN · FDIC certificate 4970 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $170.2M | |
| Deposits | $150.7M | |
| Loans and leases | $105.8M | |
| Total equity | $19.0M | |
| Loans / deposits | 69.84% (p49 of band) | 70.43% |
| Liquid assets / assets | 30.70% (p42 of band) | |
| Uninsured deposits / deposits | 20.53% (p77 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.61% (p15 of band) | 10.49% |
| Unrealized securities loss / equity | 0.84% (p42 of band) | 1.32% |
| AOCI / equity | 0.53% (p51 of band) | |
| ROA (annualized) | -0.49% (p3 of band) | 0.80% |
| Net interest margin | 1.30% (p2 of band) | 3.57% |
| Efficiency ratio | 69.86% (p40 of band) | |
| Noncurrent loans | 1.09% (p59 of band) | 0.77% |
| Net charge-offs (annualized) | 0.30% (p92 of band) | |
| Reserve coverage of noncurrent | 43.78% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 27.01% (p65 of band) | |
| Auto loans | $2.0M (1.88% of loans; DQ 2.66%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 4 | losing money, NIM <2.5%, charge-offs p90, reserve under noncurrent |  |

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

- 2025-12-02 [Citizens Bank of Lafayette Becomes Wellworth Bank - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVGowRUZFdlVsa1Zzb19rWXdOZl9IR3hHR19oNlphZElYY3R5V3pmU3VndWtoNTZIeDNfZkRTTFdiTUxoR0dPWG53bXlJd08yRlpKb0RmdE9zNFRrTklsS0hRZ3ZmTjZkVTRxN0E1bnFabFhLWHpPSWR0dHQwZlFoN1hjbW96UQ?oc=5) · The Business Journals
- 2026-06-15 [Q1 Earnings Highlights: M&T Bank (NYSE:MTB) Vs The Rest Of The Regional Banks Stocks - StockStory](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOeEdkQWlDQWhBSk5QYUgzTGEyXzduRjBLMG1nVGFDN2dUM2VIRGVCdEZyVmx1WUFYb0p0TjlMWUVaTkRZS3lNWV80LTVscVltVEpvem1MbnlETEphV3dzc3lwNmdyVGtWdFBwY3RpbEFOTEJOWjRvZ2NNcE1PWGxlNFU1NXVCX2tIUi02TUZYR1R3VGR0UnNQY0t2WWFJZ0M0MmQyeE9sdVJIZUxXMkRtNnVLZmo3RGU3NnRRYXJiOFN2bGV4b1ZWRU9zc2laQjBhc3VNdw?oc=5) · StockStory
- 2020-01-20 [Citizens Bank expands board - ucbjournal.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9QWV80ZWYwSHJXVnhyQzc0b0FNS0JCaFRLT1hCaGN3SEpmcHFVWnQ1U1FMcWhfSjdvMnFvUjNXY054Z0VueWxCeFdFc2RZei1nR1dqc2ctRVRTeTZ1TGVZUnF0U2o4Zw?oc=5) · ucbjournal.com
- 2026-08-27 [Regional Banks Stocks Q2 Teardown: M&T Bank (NYSE:MTB) Vs The Rest - The Globe and Mail](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOS1FCYUhrODFsX3FmQnhLSlhxcHZveXJ2dFJhMWh4N2FIVDhvR2JxdG1VdlQ2aS1vZ0NQU1EtZ2dCLUxvSlRPOHgxbFIwZ2Z6akJMNTloRElTZVdOMWJYQ2dfLTVNaUppMTFFUGNuVkNwdlQtc1AxRzkzQTRMc0c4M1pyc2ZUX3E2czY4cTVwOTM2NmdGOGo5ZmtTRGUtaE1pNGp2aWtrbUVvZ0p0S19NQUlWamdSWXQ5MjVGZEg4a0YxLTh6cVRXaDYydUJOeXl5SDF1REl0cDB5ZlhtdXc?oc=5) · The Globe and Mail
- 2014-10-31 [Citizens Bank of Lafayette acquires Tullahoma bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbXNmN1BNenowM2FLVURkY3V1cklHTjVNQkt4MU95WndheThEb1FqazYwbFdYMjBJblYwWXZLNmpZbGVzQzVabFl2MGxvdnEzMVo1YW9FZmlpd0FuSjZfUUkzdU1Jc1JKU1pjSDFHMUZQY1lWd1pqcXZVRXVDY3MyZzhWV3ZIOTBJd2hqWW9uX1p6cVB2UEJoR2xXRkF2VWQ2S3paaFBDQQ?oc=5) · The Business Journals
- 1985-07-31 [Wayne Newton's brother indicted - upi.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQRDhkWHYtOFlkS0dQUU5hU2RteGdTTk8xeEQzUVZvWFJsWFJZSG50Y1RCQVlGelg3RkhzUkl6eEFMa2dVMzJIOVh2NzI4R1ZwVXR1dFBwNHhlMzdHZy1QMWRYUlNkUWdZZF9vdGg4d0FzOWpjMWVlN2NtTEt6dmVJdnZpNkIyM0NNTnVvc0l30gGTAUFVX3lxTFBTUTc1UG50ODZxMm9ZYUhaNUROeGRyejBBRTlyVmd3ZWJGLWVEODFSTHNHa0pPRHRwcVdhOG5uUjkxRzlra29yc1JyenVwTENhTVpRUDVhWldvRmVRZG1lRENlc3V4OVF3NkhpQ19CR1dMQy1BODNucEhPU1BNZURGcGZsYkYyZGdibGxSVG1ad1V3aw?oc=5) · upi.com
- 2005-12-11 [Rutheford Campbell Obituary (2005) - Hyden, KY - Lexington Herald-Leader - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSkFLbFpmUHVMbzlXa25icTVfemxtZW1OWDJ5aHBIY2ZtYWhYSl9UOFhfNldNcmZBWjRfckVMZWgtalRnNGpjTTZvU1NKMWxkZXgxSTlJY2FqSTJtLVladHlPa0w0V3JaaG9SaEp0a3BnRWkwUkZSdnhmUTh4TFVLOVNUSDE2aDRHaG1TcjRPaW9oWmN6?oc=5) · Legacy obituary
- 2023-07-30 [Top 10 Banks in India 2017 - MBA Skool](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQlhUU21RYVhGLXlMdWEyNzNfNkY5ZHBITTNDNURCWU9zZnFJb2xZaUk2bHVwWUpvNmw5cktZc01EOE5jWEtsZlU0RWdZc3FPdDlsMzA5OEI0QlNVNEVfRTVBeHdmMGZyaktjN2liNFZvRWphWDVoRlJsc0NwQmlyQm1PUUtsTnFQR3Z1dDU2Y201dw?oc=5) · MBA Skool

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4970 (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 "4970", 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