# TRIUMPH BANK
MEMPHIS, TN · FDIC certificate 58227 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $855.3M | |
| Deposits | $726.8M | |
| Loans and leases | $707.2M | |
| Total equity | $90.2M | |
| Loans / deposits | 95.57% (p92 of band) | 70.11% |
| Liquid assets / assets | 16.57% (p9 of band) | |
| Uninsured deposits / deposits | 38.31% (p83 of band) | 26.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.93% (p63 of band) | |
| FHLB advances / assets | 3.59% | |
| Tier 1 leverage | 9.93% (p53 of band) | 9.79% |
| Unrealized securities loss / equity | 3.76% (p80 of band) | 0.82% |
| AOCI / equity | -1.21% (p47 of band) | |
| ROA (annualized) | 0.67% (p15 of band) | 1.18% |
| Net interest margin | 3.01% (p29 of band) | 3.35% |
| Efficiency ratio | 74.41% (p82 of band) | |
| Noncurrent loans | 1.29% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 138.45% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 136.59% (p97 of band) | |
| Auto loans | $332,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 131 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | construction >100% equity |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | wholesale funding >15% |
| 2014-03 | 4 | wholesale funding >15%, construction >100% equity |  |
| 2014-06 | 3 |  | wholesale funding >15% |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | brokered >10%, capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | brokered >10% |  |
| 2015-09 | 3 | wholesale funding >15% |  |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 3 | loans exceed deposits | construction >100% equity, deposits shrinking |
| 2016-06 | 3 | capital falling | loans exceed deposits |
| 2016-09 | 4 | loans exceed deposits, uninsured deposits leaving | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2017-06 | 4 | uninsured deposits leaving | loans exceed deposits, construction >100% equity |
| 2017-09 | 4 | loans exceed deposits | uninsured deposits leaving |
| 2017-12 | 2 |  | wholesale funding >15%, loans exceed deposits |
| 2018-03 | 2 | loans exceed deposits, wholesale funding >15% | brokered >10%, capital falling |
| 2018-06 | 2 | brokered >10% | loans exceed deposits |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 4 | uninsured deposits leaving |  |
| 2019-03 | 3 | expense ratio p90 | capital falling, uninsured deposits leaving |
| 2019-06 | 3 | reserve under noncurrent | expense ratio p90 |
| 2019-09 | 4 | construction >100% equity |  |
| 2019-12 | 4 | capital falling | construction >100% equity |
| 2020-03 | 3 |  | capital falling |
| 2020-06 | 2 |  | brokered >10% |
| 2020-09 | 3 | loans exceed deposits, construction >100% equity | reserve under noncurrent |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 1 |  | loans exceed deposits |
| 2021-06 | 2 | loans exceed deposits |  |
| 2021-09 | 2 | assets shrinking | loans exceed deposits |

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

- 2021-06-07 [Simmons First acquires two Tennessee banks in $278 million deal - Talk Business & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZW1iMlZ3bnJ1UmRNVmU5aGk1YTB5c3pYcVdqalUtcUtkX0dkZGRvZHZYR2lXMnZEN0U4eVdfa3FaeDR3UTU3dnJIaUYtUG9FMW40Z1kyRFVSNVVuc0JOcXFKd194V2E4bFZnN3hFaHFsYVNTRnpaZFlrZ2R3a0lMS1hES2d2T3V6a3kzNVNhU3JTMGlhS0M1X1REb04?oc=5) · Talk Business & Politics
- 2020-08-04 [Triumph Bank’s Music Row-Area Location Transitions To Full-Service Office - MusicRow.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPU2Vqa2R0X25NVTdvTFptclJKbFhpQlJ3YUlOTzFnN01DZWlQaXdxNS1CTTVLbEl5QlE5MlBNR0Q5Z0hsRnZUZEZTUm1SbnRiR0VRRDlhRVFuLWhPUHlRb3lMbHJoSHNQMFBELVpCbXo2NFMxekNObVhPRHRtV0FoMi1idnNraHhYdHRZOTA0QlZFZFNVcWJJNTJRSWRJUk44ZjN4cg?oc=5) · MusicRow.com
- 2024-11-25 [Pinnacle Adds Three New Associates in Memphis Region - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMikwFBVV95cUxQT3pYeDhBOERSTklVNDhBUTRMNC1kS3hrOHp2aDhxOFJQQ1V4SHVpcUVwNGdycUJoSFVXYURaNjdPVWdPSW9CM19hT2lFNzUxV2FWM1RkVHhmbEo4LTFZWkJlclFJeDVBOVd0SW5NMVNvbXdzZWU3Q2tWdlN2ek1iZWZ5ekgxZ2xrZC1wUjdhUXVrY0U?oc=5) · Pinnacle Financial Partners
- 2019-10-28 [Triumph Bank adds Williamson County native to Middle Tennessee team - Williamson Herald](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOZEJvR2dyX1p6ZVJzS1hDUVpZRWZrbzlXcWdOVng5ZXpNY2RROHJWbnM0NTJkdDI5LTVNa1ZTNDZ4VFZxcGFMXy1Vb1V0VGk4cG9YaHg2Z3M1SE8tOXphZy0xSldqSXBGb2NEbHZrWXE1WHloZnUwd2JIVGpTMU9QaFJhdU10VGVPdUd5Z2pEME83bXNCckY5SzhDYlpWRE9OOVFoRDNnampaZTZmOXpuMXRUd1lSRDlXVzEwd1pXR2tUcUx1aWFPUXFEb21sVjRrQWZhbW9lOE14ZVdFZ0pRUF9tdC11Qk1lTE13T1RNREpqSU8tNFBleU5DXzY?oc=5) · Williamson Herald
- 2021-06-07 [Update: Simmons First to Buy 2 Banks, Expand Tennessee Footprint - Arkansas Business](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMy0tTVAyYldJNV81a0hVTG43Q3htYmtHMDkxUVZUOWdhUjd6amg1MGQ3ZzQ4akI3ZkJnUWF4UFIyQW5LM0ZGc1JFaW1Ub25IX0hSWlhvSks4eTJoNl96Tko3ZUdwQ3E0cnVMSkV5al80bXJWR3U2b0ZER3N6U092c0pfTVlsbFgzYkx2YWFQTzJsVVhxV3NyVGN4MXc?oc=5) · Arkansas Business
- 2021-10-12 [Simmons Bank completes deals with Collierville-based Landmark Community Bank and Memphis-based Triumph Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPS2NIOWhraWZ3SmZYNklBSm1ibXV2M1Z0MWxoYllWT1UwXzl3ZDBEeVVlbnBQdDk2V1BEZ3JzbXhxWmdaZGxHSHBXQzZpNFNDdXBMMFFfZThtS3VsVVZjREJqcWw5RVRVX09wYlhqcFRIbTdsNndpY29IakZJSXZjRmlEWjFGUFVIWUYta0lkY3lQanprZXY2ODV4cS1kc0UxbnFPOWhHdkE4dw?oc=5) · The Business Journals
- 2021-10-01 [Liberty Bowl's name will change to Simmons Bank Memorial Stadium - The Commercial Appeal](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNZGZTT0Z3NVFPMTh3cXBRN0RNZ194b0dkRkhOcS1KenBMTzQ5VU9PT3BlWHZLcWpUZFlJZjBMLVRKS2FjZ1JOYW9rSTl4LTdoSFNCS1Q5MnVXMlk5WmpPbEk1ejl1R3FQUWtoZ1JPVUYyYndIaU1QVVM1UkwzNW1PalV3YTB3dmc4eWtWQWE5bVZ1alNiaDBZeHdaYUdLaEQ0am5GV1RJczJ6NlZfRFVYM0RldmhhNDVNTF93SmVreXdJT3dSZDNfNTJwa3VqWFFrSGY1SUdvalU3RzlmTjFWc1ZaOEx3YjVsVlE?oc=5) · The Commercial Appeal
- 2020-04-06 [Kat McElroy Joins Tennessee Bank & Trust Commercial Team - Williamson Source](https://news.google.com/rss/articles/CBMijAFBVV95cUxNcnNsM29Fc2RYSHozODZ4QU5jZFpMT0ZXU3l2RHRDVWdQLUdrME5JeTRCc3d5Ni01UkRQN250dXBTWUlpRjZrT3pENXZydUNqV3FHMExxQkhITVhJZUczaEhFTEk2cHc4aEp3VjdmTDJ3UUkzcXo4NkJ3SFdwVmVMZ1pzYjltUktxeDg2SA?oc=5) · Williamson Source

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58227 (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/51.json (key "58227", 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