# STUDIO BANK
NASHVILLE, TN · FDIC certificate 59112 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.34B | |
| Deposits | $1.17B | |
| Loans and leases | $1.03B | |
| Total equity | $126.5M | |
| Loans / deposits | 87.44% (p51 of band) | 87.10% |
| Liquid assets / assets | 19.19% (p42 of band) | |
| Uninsured deposits / deposits | 27.48% (p40 of band) | 30.76% |
| Brokered deposits | 25.47% | |
| Wholesale funding | 28.45% (p95 of band) | |
| FHLB advances / assets | 2.98% | |
| Tier 1 leverage | 9.49% (p22 of band) | 10.50% |
| Unrealized securities loss / equity | -6.29% (p56 of band) | -7.75% |
| AOCI / equity | 0.52% (p93 of band) | |
| ROA (annualized) | 0.71% (p15 of band) | 1.26% |
| Net interest margin | 3.24% (p24 of band) | 3.70% |
| Efficiency ratio | 67.64% (p74 of band) | |
| Noncurrent loans | 1.03% (p74 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p58 of band) | |
| Reserve coverage of noncurrent | 112.91% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 107.35% (p91 of band) | |
| Auto loans | $74,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 35.5% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-06 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2018-09 | 4 | uninsured deposits >50% |  |
| 2018-12 | 6 | brokered >10%, wholesale funding >15%, capital falling | uninsured deposits >50% |
| 2019-03 | 5 |  | NIM <2.5% |
| 2019-06 | 5 |  |  |
| 2019-09 | 3 |  | brokered >10%, wholesale funding >15% |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | construction >100% equity |  |
| 2020-09 | 4 | brokered >10% | capital falling |
| 2020-12 | 1 |  | losing money, construction >100% equity, brokered >10% |
| 2021-03 | 2 | capital falling, construction >100% equity | expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | brokered >10% |  |
| 2022-09 | 3 | uninsured deposits >50%, run vulnerability | brokered >10% |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | brokered >10%, wholesale funding >15%, capital falling | uninsured deposits >50%, run vulnerability |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 5 | deposits shrinking | capital falling |
| 2024-09 | 3 |  | reserve under noncurrent, deposits shrinking |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 2 |  | construction >100% equity |
| 2025-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2025-12 | 2 | brokered >10%, construction >100% equity |  |
| 2026-03 | 4 | wholesale funding >15%, capital falling |  |
| 2026-06 | 4 |  |  |

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

- 2025-12-03 [Nashville-based Studio Bank brings its boutique, creator-focused model to Chattanooga - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcy03MXZ6TFdqQUlnUC1IWjBhR3NSQ0JVSzJQallxRzVtbmpCSndGaTRUd2J5OXY4c014OHdsYWRlZkFaRkFpb0hmbmppUkxwWXJWUUxIOHVSaWRHbnVhajJBRDZVcndLREZsc0xtc0RrNkNma1BHY0llZnd3VFU2R19tcU9wV21oM1hfai1GV01pbWpjZ04xaXZWaVU?oc=5) · Chattanooga Times Free Press
- 2022-03-08 [Studio Bank Adds To Music Arts & Entertainment Team - MusicRow.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQWWJvWHZiNUtlVGttY1pJTXhqbWFneFBDdEVfZE44MUdyUkxKVEN2Y2d6X1pma1B1X1l6UUNUV3VtYTZ0X2wyS05FQjdlRERmR3BMZjdlSkEtcnl3dEtYeURjb3VUWnpnOVA2X29WMDJ4Y2U4eUxKSHBUdDRXYnNkeVVpZmRlQQ?oc=5) · MusicRow.com
- 2022-05-17 [Studio Bank to open corporate office and branch in McEwen Building - Williamson Herald](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOa0ltMHFIVXNUNS13Z3A1eUtaMG5mTkx3QzhuUlZ1OFdYLXVTRXBhck5wU0lZSnJRNTdhY1JyS1BOSnhMR2tIdzQxbHVYQ3RvRUZySXAyenFLMUUtdWdlVHg1dThIQUF5SjRxVVVFMDF4a2tqU00zWE5QcVFDVnBtenFXUTBXQTZpQjBhRXhwV2lwdE9zRU1BVzVKcjJpRUtIVEwzVTJjQ0F2djVuaDlvczhCaWdHWGU3aW5OelFZOU9janZMTHM1M2pqTUdFUXJ5VzFPN2EtQlYtX1NadGlzcUNZb0xvNnRHNThSWUhsbjNLaU5sR1c0VXd3OA?oc=5) · Williamson Herald
- 2025-05-28 [Nashville-Based Studio Bank Expands To Chattanooga - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNjdfQ0NQRlRfN0M2eEcySlBNNnFYRFVjZVA0b1dLbXNtZzRwdDdVdkx5eXg4NW9fVHU0VkR1eTFSTzJvTWRLZFE2a2ZwZWFBRnp1WVhOblp3X3Q1LWRBTFY0YzZtMnpBNjA1TmRBbmhGbklhaUtZbmtYSVZheHFBNUUyT2NTTnVVMkluLVNUcw?oc=5) · Chattanoogan.com Breaking News
- 2023-02-26 [How She Helps New Nashville Businesses Succeed - StyleBlueprint](https://news.google.com/rss/articles/CBMibkFVX3lxTE4zM2xJZndrZVVNQTZtSHFndTNucXQzUkZVRGVJMk44WHFYc0ZqS0pvNlYyVjRwRGU4WXp6TktIaFVNY0JHOUEtNG9BUmZCa2VqcURHaHIxSFFfeEduMXRibGw1TVQzcGFOdHNGU2FB?oc=5) · StyleBlueprint
- 2024-05-07 [Studio Bank co-founder Harry Allen named Belmont University CFO - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdUduVFJCOThSSWZMNXJvX25KZU5tdUo1ZHdMTm5QYnZ2LXpJRnl2eFlwcGZYQ2djUm0waFdEVHd1T2plMnJuRGxhSU1jbEVQdXFrQUFMTHdDLVltdVVVbExTeXBJQnAzelVTVXZzbkZMNV9YZ3kwcDRzaWlsSVlFWnR4OUZGdmhBeHdnNTUzTWlscnpBZEZXN3JpWURhRmpLelFWQlUxdnk?oc=5) · The Business Journals
- 2023-01-13 [Nashville’s Top Black Executives Gather for Discussion About The “It City’s” Change, Challenges, and Opportunities - The Tennessee Tribune](https://news.google.com/rss/articles/CBMiywFBVV95cUxPT2hDY0ZrVmYyREh5UzBSNEhxcXpCbVNkX1M1V1RvRlBJSXRiVGQ0T3BLTzcxcHdFVW52cHQ4V2J6WHdfTDVTYV9fbEIyRk1nSXo5d1V4N0dxY1F3QUlFNTZmRVRzSVRlTkZyandrdzk0NFZJMmxiNFVJU2tsV2J1TXZCRUMtVDE3dW1xUzRMYzJrM05iMGN0QmpZVEhybHBCSVVIQlpjWHc0YTVvT245cUw3RnFHcEYzRUQtZ0pYVWRHWlJNbnc4ZW1lcw?oc=5) · The Tennessee Tribune
- 2019-05-02 [TNMBA Elects Jeff Tucker 2019-2020 President - National Mortgage Professional](https://news.google.com/rss/articles/CBMinAFBVV95cUxPYl9yUURXcHJYeDBvWGgtM0xwUkxESTA1Z3IxRWlPLXdRdmd2Tko2dFZxVWlWMnk4Z1NVcjA1SmtUTEF0MU0tejNmSHlsS1lWbWp4YkNuamZnUEQtX3prdDdtQlpnNGtQVDl1WUl2UDFPSzNMbENLbGRXTUF4bC1YTnFLazVYRVFCUjRfYVllZGU2ZTZRcXNFVDJKSU8?oc=5) · National Mortgage Professional

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59112 (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/40.json (key "59112", 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