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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Treynor, IA · FDIC certificate #14812
TS BANK is an FDIC-insured institution based in Treynor, IA (FDIC certificate #14812). In its Q3 2026 Call Report it reported total assets of $429M, total deposits of $384M and net loans of $228M. Its primary federal regulator is FDIC.
Plain-language readout
TS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $459M in Q1 2026 and were lowest at $429M in Q3 2026.
Total deposits were highest at $407M in Q1 2026 and lowest at $384M in Q3 2026.
Over the whole period total assets fell 6.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $429M | $384M | $228M | 1.66% | 30.34% | 2.84% |
| Q2 2026 | $433M | $387M | $232M | 2.21% | 41.81% | 2.73% |
| Q1 2026 | $459M | $407M | $239M | 4.12% | 83.46% | 2.76% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.2M | $8.8M | +$1.4M | +15.5% |
| Federal funds sold | $607K | $0K | +$607K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $127.9M | $149.9M | -$22.0M | -14.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $231.8M | $239.4M | -$7.6M | -3.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $18.2M | $18.3M | -$153K | -0.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $114K | $117K | -$3K | -2.6% |
| Intangible assets (goodwill, servicing, other) | $126K | $200K | -$74K | -37.0% |
| All other assets | $43.9M | $42.7M | +$1.2M | +2.8% |
| Total assets | $432.7M | $459.4M | -$26.7M | -5.8% |
| Liabilities | ||||
| Total deposits | $387.4M | $407.1M | -$19.7M | -4.8% |
| Federal funds purchased | $0K | $5.5M | -$5.5M | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $19.4M | $21.9M | -$2.5M | -11.5% |
| Total liabilities | $406.8M | $434.6M | -$27.8M | -6.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $22.4M | $22.4M | $0K | 0.0% |
| Retained earnings | $25.6M | $25.3M | +$274K | +1.1% |
| Accumulated other comprehensive income | -$22.2M | -$23.0M | +$818K | +3.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.9M | $24.8M | +$1.1M | +4.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.3M | $1.4M | +$1.9M | +131.1% |
| Adjusted nonperforming assets | $3.3M | $1.4M | +$1.9M | +131.1% |
| Tangible equity plus allowance | $28.5M | $27.5M | +$994K | +3.6% |
| Texas ratio (gross) | 11.64% | 5.22% | +6.42 pts | See points |
| Texas ratio (adjusted) | 11.64% | 5.22% | +6.42 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 11.64% | 5.22% | +6.42 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.81% | 12.23% | +0.58 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.81% | 12.23% | +0.58 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.76% | 0.80% | -0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.56% | 13.03% | +0.54 pts | See points |
| Tier 1 leverage (approximate) | 10.61% | 10.17% | +0.44 pts | See points |
| Construction and land loans to total capital | 12.07% | 12.15% | -0.08 pts | See points |
| Commercial real estate to total capital | 109.47% | 109.59% | -0.12 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 2.33% | 1.21% | +1.12 pts | See points |
| Liquidity | ||||
| Core deposits | $229.4M | $241.7M | -$12.3M | -5.1% |
| Non-core funding | $158.0M | $171.0M | -$13.0M | -7.6% |
| Loans to core deposits | 102.20% | 100.24% | +1.96 pts | See points |
| Loans to deposits | 60.53% | 59.51% | +1.01 pts | See points |
| Brokered deposits share of deposits | 36.37% | 36.10% | +0.27 pts | See points |
| Pledged securities share of securities | 56.56% | 48.37% | +8.19 pts | See points |
| Loans pledged, share of loans | 15.27% | 17.11% | -1.83 pts | See points |
| Volatile liabilities | $158.7M | $171.7M | -$13.0M | -7.6% |
| Earnings | ||||
| Earnings before provision, year to date | $6.6M | $6.3M | +$267K | +4.2% |
| Earnings before provision, single quarter | $267K | $6.3M | -$6.1M | -95.8% |
| Provision for credit losses, year to date | $229K | $321K | -$92K | -28.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.23% | 6.11% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 2.90% | 3.82% | -0.92 pts | See points |
| Total interest income to average assets | 4.72% | 4.58% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.49% | 0.56% | -0.07 pts | See points |
| Cost of savings and money market deposits | 1.56% | 1.52% | +0.04 pts | See points |
| Cost of time deposits | 4.74% | 3.93% | +0.81 pts | See points |
| Total interest expense to average assets | 2.44% | 2.18% | +0.26 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $429M | $384M | $228M | 1.66% | 30.34% | 2.84% |
| 2026-06-30 | $433M | $387M | $232M | 2.21% | 41.81% | 2.73% |
| 2026-03-31 | $459M | $407M | $239M | 4.12% | 83.46% | 2.76% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $431.1M | 0.34% | 63 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.