# TRIUMPH COMMUNITY BANK NA
MOLINE, IL · FDIC certificate 57918 · asset band $300M-1B · latest filing 2015-09 · stopped filing (departed)

**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 | $981.1M | |
| Deposits | $820.3M | |
| Loans and leases | $722.3M | |
| Total equity | $138.6M | |
| Loans / deposits | 87.24% (p61 of band) | 82.48% |
| Liquid assets / assets | 18.96% (p31 of band) | |
| Uninsured deposits / deposits | 14.95% (p30 of band) | 19.89% |
| Brokered deposits | 5.10% | |
| Wholesale funding | 6.69% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.20% (p87 of band) | 10.12% |
| Unrealized securities loss / equity | 0.70% (p39 of band) | 1.17% |
| AOCI / equity | 0.06% (p52 of band) | |
| ROA (annualized) | 1.38% (p79 of band) | 0.92% |
| Net interest margin | 5.29% (p97 of band) | 3.59% |
| Efficiency ratio | 51.83% (p12 of band) | |
| Noncurrent loans | 0.97% (p60 of band) | 0.75% |
| Net charge-offs (annualized) | 0.04% (p55 of band) | |
| Reserve coverage of noncurrent | 94.92% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 32.12% (p46 of band) | |
| Auto loans | $2.8M (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $10.3M (7% of equity) (p95 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 266 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 3 | assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 4 | deposits shrinking |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | uninsured deposits leaving |
| 2013-09 | 2 |  | reserve under noncurrent |
| 2013-12 | 4 | NIM <2.5%, reserve under noncurrent |  |
| 2014-03 | 1 |  | assets shrinking, deposits shrinking, NIM <2.5% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57918 (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/62.json (key "57918", 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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