# TEMPLETON SAVINGS BANK
TEMPLETON, IA · FDIC certificate 969 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $169.6M | |
| Deposits | $141.9M | |
| Loans and leases | $109.2M | |
| Total equity | $26.6M | |
| Loans / deposits | 75.89% (p55 of band) | 73.59% |
| Liquid assets / assets | 33.85% (p53 of band) | |
| Uninsured deposits / deposits | 14.96% (p31 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.50% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -0.92% (p78 of band) | -6.57% |
| AOCI / equity | -1.18% (p24 of band) | |
| ROA (annualized) | 1.59% (p72 of band) | 1.17% |
| Net interest margin | 4.05% (p57 of band) | 3.93% |
| Efficiency ratio | 46.93% (p9 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 39500.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 1.29% (p21 of band) | |
| Auto loans | $2.0M (1.86% of loans; DQ 1.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | uninsured deposits leaving |  |
| 2022-03 | 2 | NIM <2.5% | uninsured deposits leaving |
| 2022-06 | 1 |  | NIM <2.5% |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 1 | assets shrinking |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | capital falling | assets shrinking |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-08-08 [Templeton Savings Bank will celebrate Aug.15 - Carroll Times Herald](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPVzBDdGlJX0hLdFlnTExqbFQ5VGhJRER2R3pYcW5VS280NG1IZmtMeDd3OEN1U20zVkg2WV9namtNQjc5MEQyQWxTYjNxZ3g0T2k5Z05zcVlZNXRhVGV1NEdLOTdpNW85V3U0QUZNRHFQbDdtX01sNmtsNTU0cUd0UGN5YS1pV3JSZEI0VFNtdlU4QkJUajM4VzNHblk3X0NzZHFsTHZmMmdhbndTQktiYVVtWkIxTUlkU3E0THB4OTBPWjQ?oc=5) · Carroll Times Herald
- 2025-06-23 [Ernst Champions Opportunities for Future Farmers and Manufacturers - ernst.senate.gov](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZFM2X1Q5dW1udE9jOTYyTDlFdzhmSWFxOTViX2pSenRrdkdMZTN1YWhPclJKdUpPMVJoWmIta0lxVF9KRkdVYUNrdWJNX0tHR0hWXzdHdXRTRklUUWtqWS1jc3U4YVFZdnQ0QmFIUHFjT094c1I4aTkzTEZRLXFpSUtEUFNGWHZaQk1abHQ2RF9yclI0dllkTlBiUmxYaHRWQmw5cnd0NUdJVXhOOS1SdGp5OXhNUQ?oc=5) · ernst.senate.gov
- 2023-05-10 [Templeton Savings Bank reaches 100 years because of ‘community and their support’ - Carroll Times Herald](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOMllvUE1YNmVSUENPd1V6a0xtQ01MQndzY0UxNWFUajdwQTVQVmg3SDMwNmozOGZtc2ZJbWl2SlZwZE5QRXV6Z2ZQMnBMSUxGVnRBOGgxZ3E0MXF1SDBMWllIUElxTXozOWN4R0xSTG1kTkxZMHFFbEQ0dWluNkFCcnRnc2w4bHNHZ2R6ZGJCTlN2Ymx4YUphNk42OXNkTmcxR3dPOExLM2xCSnVfVUNUQ2dfcFk1WkVQdmNEWV9aMDZWNU5TbVF3S21Td0xmV1Zsd3NmNzhIWGZsMnRCdW1QRU5feFg5QkNCalg2cVAwdl9UUQ?oc=5) · Carroll Times Herald
- 2026-02-27 [Furever Haven Rescue Inc. Looking For Donations To Purchase Building In Denison For Permanent Animal Rescue - 1380kcim.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNN1E2QWdqd3U4RVRZNzlZR29WZGFrTndsMlFGdXNyLTdrOTNoeEl0QUV1X29vUjNHaGJBRElkUGVOcHk5a3VtVmJVN3A2Q1U0cjN6cjZJZEwyWFF4SDlVTEc4WG02SXVTNXBMYzNmbXlVdlZHM28yTzJYTUl1UmJOZGdqWmN4LUV1MzRKOHlvWkNNQWlRWkl0Znhockd0MUhRUmcwRzU5c3ZCR29nLVg0S1ZMMlk3Ny10LVdWeUZqaTF0Z0pEZjMzYnQ4UUhqdjY2aUV2dlQyUzJzQ2M?oc=5) · 1380kcim.com
- 2024-04-10 [Mary Jane Boes Obituary (2024) - Newman Grove, NE - Levander Funeral Home of Elgin - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTE5BbURtOXRsMmdOWWZ4LUhJQ2RPc2k1Y1BwN2o1NldWaVpjVjZ2S21SdnkxVjN1WTFiVWo1aFBkWFRDdThsaFF5MDQ3dXdRUngzX0lUbjVhVGtDQmJhbld6dHBxdlUzSmo0YUhzd0xsN1d1aGxCWEJpS3VXbzA?oc=5) · Legacy obituary
- 2025-07-02 [Templeton’s Sacred Heart Church Celebrates 40th Annual Street Dance Thursday, July 3 - 1380kcim.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPS2NQaTZHMXBfQnlhQmRuSkhiZ2RleF96S2NYZ0ZxaFR5UzdCNDVaWU1SYTJQYXBSZFdMOWVpRzRjTVdRZjQyOUc3VWg0TlloRFRkcGtnOXhkdHhMa0xQaUFpa0lfRHY1bHczV1dFcTFNbFZSOEgxa01HZVFWTVVMci1URFZGcjZuamVzREQ1bFZOMmo5V2k0ejVQY3B4Q1hvTjVBUDczRHREQkZ1ZjgxWkRMOWN2UWlfRVZN?oc=5) · 1380kcim.com
- 2025-06-12 [Manning Area Partners Hosting Kinderfest And Party On The Bricks This Father's Day Weekend - 1380kcim.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQV2NZN0llSlRmdGRCaWVtMWR1QnJDV1JHQ2tTYnRZU3dEcE9yeGVUNkZkY0lhaHZhbGZWb1VrNUJYemRrWVduOV9FY3VMdllLcEFJNlVfQVV2Xzc5NWxLaFlocy1zblAxR1VnWkg5LV9FbjQ1VGRERkF1bTdiTnlyVURLSFI5ak1PT2FDZkI3TkdETGFwWHZLMDZOYnpXckVoR1ZMUllVM3hpOGRBWDZSc3gzck85Q3cxTWU5c1JRdWswb01Y?oc=5) · 1380kcim.com
- 2024-06-13 [Manning Is Getting Ready To Celebrate The 141st Kinderfest Event This Weekend - 1380kcim.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQWFhZajA1M0lXMnZ3VDFsc29BWWZBWDdDMWplYnZIUlZMX2l5T0hjaVJDVkpTZlRxemdtemkwdEV6aFY3bzlHeS1BQ25LRmdpYUg5el9WLTBEeHJjTFpXclZURGd2d3JIQlpjdzYzeFpFVFFraTV2Y3hrbERlb1I2RXJrcGxtWmJpNURvS3VtY2Z0Q1RGelc4QmV5RVFMU1Ezdk9LZ2FIVkVKOEw5Qm1fOEt4WjE?oc=5) · 1380kcim.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=969 (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/9.json (key "969", 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