# TURBOTVILLE NATIONAL BANK
TURBOTVILLE, PA · FDIC certificate 7789 · asset band <$300M · latest filing 2026-06 · live

**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 | $243.5M | |
| Deposits | $202.0M | |
| Loans and leases | $181.5M | |
| Total equity | $38.6M | |
| Loans / deposits | 89.10% (p78 of band) | 73.59% |
| Liquid assets / assets | 22.97% (p28 of band) | |
| Uninsured deposits / deposits | 10.71% (p16 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.58% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.49% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -5.11% (p56 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 2.22% (p90 of band) | 1.17% |
| Net interest margin | 3.95% (p51 of band) | 3.93% |
| Efficiency ratio | 36.25% (p2 of band) | |
| Noncurrent loans | 1.10% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 73.15% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 14.55% (p46 of band) | |
| Auto loans | $1.2M (0.68% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.6% | |
| Employees | 20 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | noncurrent p90 |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | noncurrent p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-08-28 [Derek M. Cotner Obituary Aug 28, 2026 - grenoblefuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5KanUwWF9ieVpoYk9kaWtfMkhPaFB1bDZIZzB6ZFNwMGU2VE1xdWdMbjR5Um9WWTJwbFRlS3lCQUNYRGV0NFNKSFhZRDNRTG56NGFQZjU2NlljVGNYOUZKRXRaRDhwNlJ4MnZZ?oc=5) · grenoblefuneralhome.com
- 2022-03-04 [Remembering Hunter Reynolds - WNEP](https://news.google.com/rss/articles/CBMivwJBVV95cUxNWWVPU3JuMUFKcFdtSzFGYUE3MGpBSzUyWXFRQ2lFMkhVd0dlWU54WmZmeWhlNUZhTldjNldTY1ZjZURNSHJXNm5NNF9MRm5xZTcwTXQ1XzByNDdRLWFvYWt5MlRjbWJZM3RDeWpIZnEyRllEUVAxTmI0LWJhb05xNjBVR085VUdJSUZiSkhJRUpZZVg0dTZyQVMzY0J0dmU4T3ZtZUFXTHVqRjQtWGl1QWQyS2x2dC1xTWFzT1VnbDBodUtVcFRYTEUxMzhwNWNzZzZtLW90THhPRGlIWVY3TktRZEQ1dVRFcVUtQzJ1clJMOGtLYmZ4NjRXanJMdGRBRk83VGZtaHBkNUhsbDJNY2k2dENRcUxlbUFvdktPUWplQWVIZEN3cnNZNktfc3hZb1k4b0dZSm9CUE51NGZ3?oc=5) · WNEP
- 2023-07-13 [Charles A. Wright Obituary Jul 13, 2023 - grenoblefuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBnY0YxdnVKemstd1ZuWTNQNkw1NktfRFl1T0xYdjlJSzhkanpoWGhoek04VUpyX1ZwX0hiVlRzTUxVSGR2X0NxMkEwTmRidnRyWWZhb2V4amg5V290VVpBRDJuMng2X0E0NjUtazZ3?oc=5) · grenoblefuneralhome.com
- 2022-02-28 [Warrior Run fifth-grader dies in accident; school to offer counseling - The Daily Item](https://news.google.com/rss/articles/CBMi4wFBVV95cUxONFFWeGhtMGZHN1c0cXF4aGtJcTJoNWlWMFZTY1dLZWtTNjBGM0JVTWRNbEVXWVBzYTk5VTJRYWNYVmtHYUJuX0dBcFM5bEdUSGRveXRDTFg5blE4Z1FoT3ZiOG1xbEgwM1FwVTFTVDVhazJia0ktWkVQMEplVWZPUlp4TnljX0I4RU1QdXljQlNIaFhxdWZvMG5HZ3daSF8xak5MOVFrU2dWNWczeFlPRVZqS3BHWlEyM21FT0NhNy1DVWx5QkxyR2k4b2dFbWZzV1lVWDBXWTBNMlRnYzFrVC1JWQ?oc=5) · The Daily Item
- 2025-01-12 [Fay Ann Grunden Obituary (2025) - Turbotville, PA - Brooks Funeral Home & Cremation Services, P.C. - Turbotville - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE9EdjFpbUp0bVU0cWR2MHVzUU1kVk5lNF9rVTBxNnZ2Y3NXNzZwM0p6V1VFNXlwODRmVlZXcm1RbWozbFNYUVpmdmJDcy1qc2tKSjlkT3AzazYwUHlra0pwdjAtTlAtUjg1cTlMRkd4Zk9qR0tlX3IyQllvY3B0UzQ?oc=5) · Legacy obituary
- 2022-03-08 [Double-fatal crash in central Pa. kills 11-year-old boy, seriously injures his grandmother - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2024-10-28 [Chad D. Bowersox Obituary Jul 15, 2014 - grenoblefuneralhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5MR3NuS0V6enpUbVpLUFhnM1p5aDJaOFRva29TMHo2QzlPQ0J6N01LUm1NempoLXUtcl9ZU2dCZXJXd2k4U2NVLXBiX3dfcjVaR1hwSEtOOHUtVllqZEZTMnN6UlZRMXEtQmNUVA?oc=5) · grenoblefuneralhome.com
- 2006-10-28 [Chad Geiger Obituary (2006) - Harrisburg, PA - PennLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSjVHUzFvaW00TENnTHlNT3ZRdjFKbkxmeFF2M2FZdnFmejNvRWxkNmZfMk9NMFhqMThwUmtyakxoQ3ZPV0lXaEFTTEFOWFZZSXBORTBMdUR3eGlSNnhjVlY1UHRDOHJacl9NcHJ2N0F6dmx5NDlPX19aWlh3QkRDZEsxa3p3MUY0VWJJMno1WlM?oc=5) · PennLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7789 (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/45.json (key "7789", 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