# STATE BANK OF TOWNSEND
TOWNSEND, MT · FDIC certificate 1114 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $107.0M | |
| Deposits | $92.7M | |
| Loans and leases | $91.8M | |
| Total equity | $12.3M | |
| Loans / deposits | 98.34% (p88 of band) | 77.51% |
| Liquid assets / assets | 7.94% (p3 of band) | |
| Uninsured deposits / deposits | 8.14% (p17 of band) | 15.78% |
| Brokered deposits | 2.16% | |
| Wholesale funding | 2.16% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.23% (p49 of band) | 11.30% |
| Unrealized securities loss / equity | -0.02% (p85 of band) | -1.85% |
| AOCI / equity | 0.03% (p94 of band) | |
| ROA (annualized) | 0.74% (p32 of band) | 0.99% |
| Net interest margin | 5.21% (p97 of band) | 3.82% |
| Efficiency ratio | 74.34% (p63 of band) | |
| Noncurrent loans | 1.69% (p80 of band) | 0.53% |
| Net charge-offs (annualized) | 0.33% (p93 of band) | |
| Reserve coverage of noncurrent | 38.44% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 52.98% (p80 of band) | |
| Auto loans | $1.0M (1.11% of loans; DQ 3.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2015-03 | 1 |  | noncurrent p90, uninsured deposits leaving |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2018-12 | 5 | deposits shrinking, assets shrinking | loans exceed deposits |

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

- 2016-06-23 [The State Bank of Townsend and Dutton State Bank merge - Great Falls Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxOT1pIRTJuZWgteUVDbmZ5VDR5Ukd6QTRCTXJkSU0ySlJtNnJuNkx0TFBOMFZLRTRDYldZR3d3WkhfaWxyLUV1eGpVQ1lyNEdJclZCU1lBMGxPRHFESG9iSkpfNTNIbkR2WjhOM1o1dkJVbWVlVWxSbGZnVElHX3B3NGdISXBEYXhjLVAxOG9xbTNGdzhPT3RZUUZtNzR3OWNaMnhvMGtwLUg2emhobENv?oc=5) · Great Falls Tribune
- 2025-03-22 [James Kearns Jr., 86 - Coeur d'Alene Press](https://news.google.com/rss/articles/CBMiaEFVX3lxTFB4U1NQYWw0SEEzUFVDdzNtVlNHR2wtLUhGWUdhM1VNZkIydDgzTVlIcmthQkVQV2ltMWxRaXBNekF0VWVJQy03VEVYbWZlZkNaNW1lUEJyNUVFVEpBbGh6QmNNQjJQT29E?oc=5) · Coeur d'Alene Press
- 2010-08-20 [Broadwater Co. Fair provides a break from the busy summer season - Tri-State Livestock News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdTBrTmVaN2V4b21tTE5TR1FQS3U5aGpmaGswdVgwQjBmYlI4MVUxeWJta0p4N2VUeVN1ci1feExTWDdRSFZQTjhaUXhta25iaE5HODVjQW5iRGlXV2lSRlptWVJ5SVFOUE52Ymp0TW9GRS01MEN0eVQ3ZXFRSXhhTlYwVEl3UTRGSjBwTTh5VUFibENGZFJ3?oc=5) · Tri-State Livestock News
- 2015-09-16 [Townsend rallies to support families of kids in crash - Great Falls Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZzVELVFaQWc0amRNVzkzYTFoRWYxczU3YmlHTHpwUE5YeTR2d3JMMDhwTUF1OXR3SzJ2WVpWOXZvbEhGWldmTHVOd3NKVkhDVkdmaXlFVmJmeWhTSEotRkFDbnhvOUdNbXpCdGtKaTgtb2s3eFhLWmR2MDRSZk1GRlkteEFhbW1UZEM1VW41YUNweTN6MGY3dC1mUERQT2JGajZldXVDaWJYaDJNSnhBb2RJT2VKN00?oc=5) · Great Falls Tribune
- 2019-08-21 [Verna E. Adams - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQb2ZTZjZuRE9HUzlzV3F2SXhKXy1mTnp6bWRhSm0wMFpMMkIwSUZIcVRQUUh5UnBkcUw3QmFlb0VwWDhGQTFhcm42Vi1QUzdNa3VhN25Jc3NwZVE0TUR6TWQwSUxXTzgteEQ0LWFaQUFVbGJfRFNLUU1xQUpfd3RKODVJcThMRXd1ZXpXNGhR?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1114 (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/26.json (key "1114", 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