# TRUSTMARK BANK
JACKSON, MS · FDIC certificate 4988 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $19.19B | |
| Deposits | $16.22B | |
| Loans and leases | $14.21B | |
| Total equity | $2.23B | |
| Loans / deposits | 86.73% (p55 of band) | 85.78% |
| Liquid assets / assets | 19.52% (p37 of band) | |
| Uninsured deposits / deposits | 37.02% (p45 of band) | 38.39% |
| Brokered deposits | 2.13% | |
| Wholesale funding | 4.72% (p32 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.40% (p59 of band) | 10.17% |
| Unrealized securities loss / equity | -1.58% (p84 of band) | -7.43% |
| AOCI / equity | -1.28% (p10 of band) | |
| ROA (annualized) | 1.33% (p58 of band) | 1.24% |
| Net interest margin | 3.84% (p67 of band) | 3.57% |
| Efficiency ratio | 63.05% (p80 of band) | |
| Noncurrent loans | 1.14% (p80 of band) | 0.66% |
| Net charge-offs (annualized) | 0.09% (p53 of band) | |
| Reserve coverage of noncurrent | 91.34% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 54.53% (p83 of band) | |
| Auto loans | $20.2M (0.14% of loans; DQ 1.29%, NCO 0.00%) | |
| Loans to nondepository financials | $279.4M (13% of equity) (p61 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 2583 | |

## Flags firing in the latest filing

- **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 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 1 |  | expense ratio p90, capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | expense ratio p90 |  |
| 2016-09 | 2 |  | expense ratio p90 |
| 2016-12 | 3 | expense ratio p90 |  |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 3 | expense ratio p90 |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, expense ratio p90 |  |
| 2019-06 | 2 |  | expense ratio p90 |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | expense ratio p90 |  |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 | reserve under noncurrent | expense ratio p90, capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | reserve under noncurrent |
| 2023-03 | 2 | capital falling | expense ratio p90 |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 | reserve under noncurrent | construction >100% equity |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-03-31 [Trustmark promotes exec, setting him up as potential next CEO - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUHBNeXNoUl90bXVXUERQWm5jSGpyWDNmczEza1VMV3k5SjhpOXNjb3RJLWU4NndlOG5LUGlUeHc0c1FiUGlqTFNxTlZ4aTRKY2J4TWdUVDlDZ2JDLXBMQmFpLWw1TEFQTWlLVFZRR2g5cXVEU0VYME9MU09Ha3c3ZnFKOUhCYVdqSndEZG00cE9CQlU1Z1RKUHU5YWk?oc=5) · American Banker
- 2026-02-04 [Tyler McNeal named President at Trustmark Bank - Vicksburg Post](https://news.google.com/rss/articles/CBMilAFBVV95cUxOcldKSEdTejBwN2thQkFZbVljdVJuZWpFcWtIZlRnaHltdGhlQl8zbW1qeGNRQTJ1dmxfYnlfZ2ZIMVk0YkU1ek1lWTVrZmQyc2ZQUy12VGQ4a3ZwLUcyc0lHSGppLVJRWGhfQ3Q2bFJ0RG4zTE1MaVNSTFBBcVBRUUhJMThsQTJNTVU5RWlfOHhrLXlU?oc=5) · Vicksburg Post
- 2025-10-01 [Trustmark’s Bobby Jones promoted to Vice-President - Vicksburg Daily News](https://news.google.com/rss/articles/CBMiggFBVV95cUxOeThSRXltalUtOTVtekJxNWpzTmZ5Rkx1Q21Pd0xNX3RRTklqZUNVSE1jeE5KcnNMbDhCT0pTYmtXbkFXNEotc0lJcHpGUTh0MVg5U1FIdHU4OHZ4MGgtT0hXa0lRMjI3d3kya0ZXQmVzU293SXFEa1BkYjd6MHJ3VGdR?oc=5) · Vicksburg Daily News
- 2025-08-14 [Mississippi-based Trustmark changes to regional bank. What to know - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPVkROQ3hwcm9Jd1ZDcjVleGYyTXlpSi1rMTF1eWJZaEpaX3ZodkxOc2dPTDd4UElYOEZheUlzQXU1R3dRSm5hOE9ZYXdlcUpoaGhsbVlXdl9BVDZKLWhOeWFadWtReEZsZkNHWFdoM09LazFUcnhiSXJ6eEJPc3dlZVV1a2l2R01BMFJnalZEU2dGdlItX19CTVRodDYtdVhGbUFNTUdsM3VFZTRlTVMwWHZtNmpJbnMyMFNBQVZoQmM?oc=5) · The Clarion-Ledger
- 2025-05-27 [DOJ, CFPB seek to end Trustmark redlining consent order early - Banking Dive](https://news.google.com/rss/articles/CBMirAFBVV95cUxOdTNVbVhtTEd5Y1JSM2tTQWd4azBWSzBHLTdWWTNrQXJpN3htZFE1dXdwYndlLWR4V0t1LVVfWm9LRXFQNHJTMVR1d0Zud09WcXdPQzNNYXZOSTVNZ0RmVU8yU0VENzZOVGg1OHNOMnJncnJxSDItRnFnXy1PWDVJTnRENXdIWkVFcnVnaDMza1JDTDZIMy04Yl9aM2kxeGlnZlVXNEdFZ1FaamZp?oc=5) · Banking Dive
- 2023-10-04 [Hugh Warren IV - Delta Business Journal](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBjcTIwSnluZ3dhNEdSRkRZMU5NV0VpUlJ6SHZLOHFiX3RPVDdoTV9aaDh0eFBRN2d4RDlYYmhFNHppZU10U0U5cTFYNlpxVnNoZFN4aHF0OFpTNWVG?oc=5) · Delta Business Journal
- 2017-04-10 [Mississippi-Based Trustmark Closes Purchase of Alabama Bank - Mississippi Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxOYUJhN3VfSTl4TlpiQ25oeEtRT2FTVHJOSm43aW9EMFVXeHo1QjRoZ2FJQXBaTTVzNlczY3doRURSVEJoRUtiamRZNHNjSllKRW5lS3l3UXdneEh0YzR0NDhFS0VUc2JZRzROZGRFTkMxRzd6c3gydGNXbm50cDhydDdoczlzM2xpblZ6a0RlR05JcjJ1RW9meUhCTXdOQQ?oc=5) · Mississippi Free Press
- 2024-05-02 [Capitol police investigate Trustmark Bank robbery - WJTV](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSjFIR09xcjc0cUp1YzVXMHhqSHQ5VUFWSE9ZUFhvQTduLVdPTjFxemZoMG8wa2syUTZneVdIb096eEgxc3JVVzRKTXFsUDhNRzhwS3owWjJrN0RHaXhVRVZMdWlkQlJVRHVKQnNwTV8xcEFsd0hBcXNFdWxOcFU5VHZ4cXdRcDlXNWdDZlJkWXfSAZYBQVVfeXFMTzNSZ2hvb2hEMGxDQ0UzNWd1VEc0MGZMVkplOUx5LS1FNUZQV2FiVmtTV3NvVVdRTzJXaURBN0FmaFdYT1doRFpHZ0hUYThLWWdUeS0yWFFINjJmdEJHSDd2RWdxMkFWRzVHSnJORUNRejVlYTZJbUkxVXQ4eU9SYkV4ejZNMDRJR0FoVjJ6cWlrSEhOVHNB?oc=5) · WJTV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4988 (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/60.json (key "4988", 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