# TRISTATE CAPITAL BANK
PITTSBURGH, PA · FDIC certificate 58457 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. 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 | $24.26B | |
| Deposits | $22.32B | |
| Loans and leases | $19.47B | |
| Total equity | $1.69B | |
| Loans / deposits | 87.00% (p56 of band) | 85.78% |
| Liquid assets / assets | 18.04% (p28 of band) | |
| Uninsured deposits / deposits | 38.32% (p49 of band) | 38.39% |
| Brokered deposits | 3.00% | |
| Wholesale funding | 3.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.41% (p8 of band) | 10.17% |
| Unrealized securities loss / equity | -8.38% (p45 of band) | -7.43% |
| AOCI / equity | -0.65% (p29 of band) | |
| ROA (annualized) | 0.74% (p14 of band) | 1.24% |
| Net interest margin | 1.98% (p10 of band) | 3.57% |
| Efficiency ratio | 47.82% (p27 of band) | |
| Noncurrent loans | 0.30% (p17 of band) | 0.66% |
| Net charge-offs (annualized) | 0.11% (p58 of band) | |
| Reserve coverage of noncurrent | 96.41% | |
| Real estate % of loans | 18% | |
| Construction % of loans | 11.86% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $1.28B (76% of equity) (p85 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 479 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 2 |  | reserve under noncurrent |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 2 |  | reserve under noncurrent |
| 2013-06 | 3 | reserve under noncurrent |  |
| 2013-09 | 5 | capital falling, charge-offs p90 |  |
| 2013-12 | 4 |  | charge-offs p90 |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | charge-offs p90 |  |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 5 | loans exceed deposits |  |
| 2015-03 | 4 | NIM <2.5% | charge-offs p90, loans exceed deposits |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 5 | loans exceed deposits | reserve under noncurrent |
| 2015-12 | 6 | liquid assets <10% |  |
| 2016-03 | 8 | uninsured deposits >50%, run vulnerability, reserve under noncurrent | liquid assets <10% |
| 2016-06 | 9 | liquid assets <10% |  |
| 2016-09 | 9 |  |  |
| 2016-12 | 8 |  | reserve under noncurrent |
| 2017-03 | 9 | charge-offs p90 |  |
| 2017-06 | 8 |  | charge-offs p90 |
| 2017-09 | 8 |  |  |
| 2017-12 | 8 |  |  |
| 2018-03 | 7 |  | capital falling |
| 2018-06 | 5 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 4 | capital falling | loans exceed deposits, liquid assets <10% |
| 2018-12 | 7 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2019-03 | 5 |  | loans exceed deposits, brokered >10% |
| 2019-06 | 3 |  | capital falling, wholesale funding >15% |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | brokered >10%, wholesale funding >15% |  |
| 2020-06 | 3 |  | brokered >10%, wholesale funding >15% |
| 2020-09 | 5 | leverage <7%, capital falling |  |
| 2020-12 | 3 |  | leverage <7%, capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 1 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 2 | uninsured deposits leaving | capital falling |
| 2022-12 | 1 |  | uninsured deposits leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | loans-to-lenders >50% equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | reserve under noncurrent |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 4 |  |  |

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

- 2026-09-09 [TriState Capital hires BNY vet to expand treasury management business - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNME9WM0g1RHJicEJMejFjRnRlb0pkWFR6bnZUYUlMT0ZISWxBdmVYMHlYb3RuRnBSUW80bnotUXpyLV9YajlnVi03bDUzWjkxTkdYOU9NQ0VTcWFJQlJQa2Nya2pnanZUOVpBUnVUX3B2MlJJWk9oaldheDVubmc5M3VPNEl4NWNHWjJBMDRCaw?oc=5) · The Business Journals
- 2026-01-22 [The TriState tale: How a 2007 startup became Pittsburgh's third-largest bank - Pittsburgh Business Times - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNLWRpcGd5eXB1ZEhueHQ1QS1CSUdjU1NHa1JXbzZZcENKVXlMZjkyRXdlckp1bVhsY094SnZXbjRsdDJERWVBMWthLURWTjFSRGYxMDczU0FWckRBRkVLYzQzRURLbDhWM09WOEhMZno5T2EtbnhnaVZGeEJVWXMtTkozMk5QaW9FbEI3UUM1NkNEcWNISHBkbWV4a3N6ZlJCajBoUEg0aw?oc=5) · The Business Journals
- 2026-08-25 [TriState Capital Bank Named a Leading Equipment Finance Company by Monitor for 7th Consecutive Year - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxPT3UwdE5waGdPcHN5TXFoZE5zNGRpcGlIOUpRWXdOenpxMGdqenhGcUIzTVZRWUlSYXlHakFDaEQ2VWhOb05JdkticmFSWTJxQ0xWTDR3QkxhQ0xRRVVIU05pNXpIclNtV3hjcnpqYUZwcWhKazNYT2UyZXdhZkdfdkFKRWp1b1MtbEVTWEJJOUZkV0ZpV1N4TXZTZVVmaUlEbEE?oc=5) · Yahoo Finance
- 2025-12-05 [TriState Capital Bank names new Pittsburgh president and head of commercial real estate - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbWozMEJvNnZGTlVveFB6VFRPZ1F2dGd2QjVmZGtmUldfQS1jbXdNUk03REp6Tm1UaVBXVEh1T3hGZmFaZF93MzRST3BQaVFXSDcxclM1YURlSE9sTzczYzBiX3BWenRwSEE0MDZJVGtMZncyVF81Wm1OWGxySW5MN09yMllLRmtNMzQxcWJMTGFIbzV1Q0d3?oc=5) · The Business Journals
- 2021-11-11 [TriState Capital Hires Gene McCarthy as Regional President of New Jersey Office - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQTWVqNjY3VGVHSU1BcXg4ZHQwbGZjT3drRDNLUkxEcy1qZE0wSkxlbWozQkJyeUtLQ284ZFRzUW1zZ3FJMXFrV2hQa05IQjhZNVpNcFpvcmJEQ1Mwa253d2lld3pleGJXdWNKTEpPeEhSYUJkZ29Gc2RVcEVNbExqSFJnVmo0dEVXRXNRdmNRWGpGQV9HQWduSUw3RTF5VHpFUVYwNXVCSzdDNXp0cXB6aDhVTno5UDdraUNYR0pIMVIxUTN2Y2tVYjFyeWN3QjBkdFE?oc=5) · Business Wire
- 2018-11-12 [Executive Profile: Thomas Gilmartin - Long Island Business News](https://news.google.com/rss/articles/CBMicEFVX3lxTE96S0FoNXQ0VGJvTXRTaGJqSFVCWldIcDMwT2NGTVlHNlVaNFYzeEdqU2laeHlVeUVva18xaDU3bG9Cb2hJRUhFR2hlMVNyWkJRVk5iT1ZUdHZFakhIQ01aZWt4clk3VUJwNHp6STBkclo?oc=5) · Long Island Business News
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS0drOGU3TGtueEZLZ2Q5TFk1NnQydjFJTlZ0UHdtZ0FBTFkyZWQ5UW9nQkNEV3ZyaVh3WVR3am9oWVBSQ1QzZk8tV29STVlFOS1NaDBLdDg4Qklma01NS2p3ZFo5cU45dllhbC04QVg1SldDTVRjeURiMXFyak5GT0YtdFpFSy1KMnJ1V1EyX19ub016?oc=5) · Newsweek Rankings
- 2025-02-28 [Newsweek says these Pittsburgh banks and credit unions are the best in America - WPXI](https://news.google.com/rss/articles/CBMixgFBVV95cUxPLUhwSUk2RGJGRXRyTm9DX1pEWS1jSm1KazVpaktfQml1ZmxZNHpjUlQwSkdYejBfSkgyODJrNHNOb0FsVHlzQ25iUE1oN054cEMyWmZFb2NySEo2LUxOMkVGaGhNX2pCZmE3MVlTUUx2NFpUUUpJVFd4YnoxRDZ6MnFySGstdzNmQ1EtZS1TOHZYZUZHMDVWeV9lbVhuS1dYb013TEdhOXZ1Y2tVQmlieFBRcFRQRXF4am9XRkwzZUNWV3Z0akHSAdoBQVVfeXFMT3M3Y2hWNW83WkdjVnNDb3hLTUJ3ZXZXUW9qLVdUUU5sZGtkb19XRDN0MmRJNDU0ZGEyWHp2eVBuTzB2Q0I2Y1d6eUMxN1o1R0xMSF8tT3BKVmF0VVRZd2paZmZBVzBCQ1I5SlFkVkxFN0dvZjlkbWtqWkZFNS0wb0ZqbjN3ZTRFZ1B3dmdrcXhqRHp6RzFiU2ZCSmE1TlFEWUFiejVfN2xyVzBCZmNwRjJ6RnFfTkFIUVdZdThUS3VzYWttQldxVEZrNjY1RE5maVo5ZlYtcHBGc3c?oc=5) · WPXI

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58457 (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/25.json (key "58457", 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