# TRINITY BANK
DOTHAN, AL · FDIC certificate 58206 · asset band <$300M · latest filing 2019-09 · 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 | $165.1M | |
| Deposits | $145.5M | |
| Loans and leases | $135.1M | |
| Total equity | $17.0M | |
| Loans / deposits | 91.36% (p78 of band) | 77.79% |
| Liquid assets / assets | 16.80% (p17 of band) | |
| Uninsured deposits / deposits | 23.04% (p76 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.16% (p49 of band) | |
| FHLB advances / assets | 1.16% | |
| Tier 1 leverage | 10.35% (p32 of band) | 11.56% |
| Unrealized securities loss / equity | 0.30% (p36 of band) | 0.80% |
| AOCI / equity | 1.85% (p45 of band) | |
| ROA (annualized) | 1.37% (p70 of band) | 1.05% |
| Net interest margin | 4.33% (p77 of band) | 3.84% |
| Efficiency ratio | 60.41% (p27 of band) | |
| Noncurrent loans | 0.92% (p64 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 170.43% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 120.58% (p97 of band) | |
| Auto loans | $1.5M (1.09% of loans; DQ 3.81%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 5 | losing money, noncurrent p90, charge-offs p90, construction >100% equity |  |
| 2011-09 | 5 | capital falling | noncurrent p90 |
| 2011-12 | 2 |  | reserve under noncurrent, construction >100% equity, capital falling |
| 2012-03 | 0 |  | losing money, charge-offs p90 |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | construction >100% equity |  |
| 2013-12 | 2 | liquid assets <10% |  |
| 2014-03 | 0 |  | construction >100% equity, liquid assets <10% |
| 2014-06 | 3 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2014-09 | 2 |  | loans exceed deposits |
| 2014-12 | 1 | reserve under noncurrent | liquid assets <10%, construction >100% equity |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 | construction >100% equity | reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | charge-offs p90 | construction >100% equity |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | construction >100% equity | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2018-03 | 1 |  | capital falling, charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |

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

- 2019-11-05 [River Financial Corp. Acquires Trinity Bank - businessalabama.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5mSURhZ1hReEI5ZjZCeVU4YXdxWXJYUklTbWFaemhmQ2o2VUtXZU9mVHF4bklHeG1wdW1NbVJLQlcyVU5kTEY5ZTcyYk9sdHc3c1daWVdMZnpPUzhBQWU4ZVJsMnM5enhVUXVJUzRjdzJieUptTjBXdUN3RQ?oc=5) · businessalabama.com
- 2019-12-24 [River Bank & Trust gives $55,452 to local United Way - Montgomery Advertiser](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQcUJmMl9QNEpxS01OclFtc01RWG5TaHluU1MzR0FSZ0laOWNfeldXN1dRWFFLRUdrQTRsRXBDdlNDcUxjMEI3V2FPb0gyWDNMOU5xUjhFdUxiQUVqcU1UQWZ0UXhOb2Q5Rm9wSExZbkw3Um85eS1PVWdFUFFhdnRrMG10Ym42NlcxQnVpck8tTklzbkZkSDkzMFVJMWgtWmFVdk94NE5EbnpOWEd2b2VCQW5tTFI0MXk3?oc=5) · Montgomery Advertiser
- 2025-09-28 [Alabama-based bank boosting growth with four new locations - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdUxwS2FmWEhsc1V3ekxHcEhSdnRPXzhNaVk2U3RFdmtjS2lLbnJuN3BONFM4Yi0xVm04TWhuM0ZhcENFTDNmdndTUlBkNFV5TWJXVjFuU1VNY2hqSmwxZVpORkU5aGlaTnZFUDhHRS1aNkxLczRXYUx1dTA1cWF2aFJGMklHbzBtMlJpMUNmbWtGZ1A2VGU0?oc=5) · The Business Journals
- 2013-11-04 [FL couple accused in Dothan, 14 other bank robberies - WSFA](https://news.google.com/rss/articles/CBMifEFVX3lxTE8wQkpGQW5neVZfenByQWZJYnZzV0tsWGo0QUpDZ0dxc284V2tQRm1xRDZXMnowdmNYdk5PVmxNTmFPZEZ3VUhSWGxhOUdHSDk5OEkwNHYyaTJsMnBhVXdTaHVkeDgzTzVDMFljUF91MHpzZVJIbi1LM3hGOWzSAY8BQVVfeXFMTm41SHpyNFBwY3d5aG5ESW5MbEthNGxETzVWT1lIdm5pRVRkbVNEcDgzOTByb1JZTEFGbWNjOFNRYnljT2FnRlRxaGRnbWlTcmVETlZhSFBYTVZfSWtTd0ZGM0dZUHpFeEF5anpzZ0JLNEhrYk9WSHkxdHRKaWFuby1iNVh3MjZxd3c4Q2d6YTg?oc=5) · WSFA
- 2024-07-04 [Ashley Paramore Obituary Jan 10, 2016 - Sunset Memorial Park, Funeral Home, and Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTE9XdW8yQl9ra1hndF9NVjJmN3o2VkgxY1ZHVGlLN3VPSUZXYkF6S3pMMFNyUUJjLUhaam15NW9uNHhRVXg1X0pnQ2hZUnhUaEZnRDlpLWJiNmlSTFNtRWxpWjFKUHQ5V0pYb09DYm93?oc=5) · Sunset Memorial Park, Funeral Home, and Crematory
- 2018-09-24 [Man who robbed Dothan bank with his wife returns to face charges - WTVY](https://news.google.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?oc=5) · WTVY
- 2013-11-08 [FBI busts Bonnie and Clyde-style couple linked to 15 bank robberies in Florida and Alabama - AL.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE0wZGltX2U0X2oyOFNuTG5XZ09KeVlMQnE0cENYTEt1YnZYa1laQWdSVEVTbTBCWWJoM0RCMFpsc3ZmbUNXVngzLW1uYWxud2MtZGRiYVJrN1k5S1Jkdm1Da19iSm5ERkFYT25LOUdoaC11R1lEbWc?oc=5) · AL.com
- 2018-07-30 [Beckett Reid Burkhardt Obituary Jul 30, 2018 - Sunset Memorial Park, Funeral Home, and Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE9uU3FEU3ZJc2ozS0pXWVlETXdHNkk5Rkp2d3lvOVprM0t2TVlnNmZLaWJzUjV2X2FvaG90UzNPa2VUMlp1SjVLQ2RwNVM4bmYzci03WlVySUloSFRPT19XdUFId1VwTkd4Q29VUW9DOWk?oc=5) · Sunset Memorial Park, Funeral Home, and Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58206 (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/30.json (key "58206", 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