# CONVERSE COUNTY BANK
DOUGLAS, WY · FDIC certificate 12591 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $1.09B | |
| Deposits | $982.6M | |
| Loans and leases | $309.3M | |
| Total equity | $104.8M | |
| Loans / deposits | 31.13% (p3 of band) | 87.10% |
| Liquid assets / assets | 70.90% (p98 of band) | |
| Uninsured deposits / deposits | 30.53% (p49 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.57% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -11.70% (p36 of band) | -7.75% |
| AOCI / equity | 0.49% (p92 of band) | |
| ROA (annualized) | 1.25% (p50 of band) | 1.26% |
| Net interest margin | 2.04% (p3 of band) | 3.70% |
| Efficiency ratio | 45.40% (p14 of band) | |
| Noncurrent loans | 0.05% (p9 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 2328.77% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 1.85% (p6 of band) | |
| Auto loans | $16.4M (5.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | NIM <2.5% |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | deposits shrinking |  |
| 2016-12 | 3 | assets shrinking |  |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | charge-offs p90 | NIM <2.5% |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | NIM <2.5%, capital falling |
| 2023-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 5 | deposits shrinking |  |
| 2023-12 | 5 | assets shrinking | securities losses >30% of equity |
| 2024-03 | 3 |  | deposits shrinking, assets shrinking |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | noncurrent p90 |
| 2025-03 | 4 | NIM <2.5%, noncurrent p90 |  |
| 2025-06 | 3 |  | noncurrent p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | charge-offs p90 | reserve under noncurrent |
| 2026-03 | 2 | uninsured deposits leaving | uninsured deposits >50%, charge-offs p90 |
| 2026-06 | 2 |  |  |

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

- 2026-08-21 [Converse County Bank Ends Atrio Consulting Lobbying Contract - legis1.com](https://news.google.com/rss/articles/CBMickFVX3lxTE1udkp4dld5eTZkQVAwcmtBTUJmTXhoMGpvdGoyRFdVLVhpM0Fxd1ctUmZ3YzRiT21LaVRadjBXWHhPRXVJWXNnQkI3YWlBR2hnNDhFNjg1eVM5cDVKVHBhMjhlTGxTdFpsWHZjSVZxOTc0UQ?oc=5) · legis1.com
- 2025-10-30 [Obituaries: Saunders - county17.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1xbmQ0c0pCVmE4YmtNQkI5a05NVzlVbEhaOGFHak83bzJZV2hmaEMtVjZaLUdTaFhfQVAwUzNVeE5kOUVmZTFiV2RWUzZXMGxEbDZEaTdoNzcxMGFaUjJRMFR3?oc=5) · county17.com
- 2025-10-31 [Raymond Don Saunders - Gillette News Record](https://news.google.com/rss/articles/CBMimwFBVV95cUxPX0lsU2w4WExneTdUMU9BZXBIb3dNY01tRV9laWRNaXAxVlBZNWstR0ZtbS0xeWd0d056ZXlJWFFUalFUVjFxUzYwNTZWTDBuWFdKd2lfbWpVd1RlNDhoSVIwV3ZwVG5HenRtMXBzWm1VVVB0cFJmaF9DVmNUbG9qRmR6T0VVSzV4dlpWZ2VWcFR5eXUwblFLZENoaw?oc=5) · Gillette News Record
- 2024-01-14 [Jen’s Books In Douglas Has 40,000 Volumes In Bank Vaults And Is Open ‘Whenever’ - Cowboy State Daily](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQMDVCNTRULVFjbUxoNDFDd2xQX05MbVdYTlRnUW1id1p3cGxVRmo2VjV6R0t5S1ZVLVpuQThoQWVvTTJfcHl1aFhPaXR6S1VFT0ktdVVsOFNWd3I2a2M3aWZpaWdVRWdxRm82T053Q0NJZkIzcjBLejZIZXhkcXEzUXpXWDVTQmFsekRpT2NtelhxQkM5VXd2eGJKUmdtS0NvdjJmTmZ0U09zbC15cnlRUUsxbmdFSmoy?oc=5) · Cowboy State Daily
- 2025-03-17 [Obituary for VALORA LEE (HOOS) SCOTT - Gorman Funeral Homes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9rQTk1N1hOcklZMEZ1V0pQY3NsU1RyaXJGb1VoRlhBaU1xM3R0TFN0OFoxenFaWDFxbVp0bE5kTDFUeHFnZDg0VnIxVGdnbzhNTXIyXzlIakdrZw?oc=5) · Gorman Funeral Homes
- 2024-12-19 [Ilah Beatrice (McGowan) Shaffer - Platte County Record-Times](https://news.google.com/rss/articles/CBMifkFVX3lxTE5nNVktZjIxRkZ5X1RFcG5wSno1QzNfeW1fVHFONnV5LXhKYjR1eUpKanBGVUpsSEVVWElDbmhzUUxVWldOMzk2bDkxak9DVjRFNE1QU0tWY2FTOHV6a1NyYXhvRUU2OEhOdVdwNjBDQUJfV1VfWDYwNzVBak9xUQ?oc=5) · Platte County Record-Times
- 2021-03-22 [Larry D Deines Obituary Mar 22, 2021 - newcomercasper.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1KUlFtNXlJb1Fkb1VhNUwxUWFiU2pUV3BzZWZiNm5XOGR4cmRiWjd3amU5UWdqVC04LWJwRVROUF91Z2dfbmRZbTdQZUVkb0I2bmxPX2dCd1RBV24wcWdmTlFpaDE?oc=5) · newcomercasper.com
- 2024-07-03 [MacKenzie Blessinger Obituary (2024) - Douglas, WY - Casper Star-Tribune - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWlZJZlJFODBlQkVjUEFKaE1lZ0hXa0h0T21Qa0dVR0kzTmZEQUhOTlctNS1mbmRWb3RsQXdpcEJZTkVlT1BQRHVuLUJEOF96cC11aHR5N1piR3pLTEtsd0VXU1l1WGU2d2hLZ3dWX3o2UF93MVJOcG9BLTVodVZsTm5mTzU5N1JFU09Mcl8yMFFjQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12591 (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/47.json (key "12591", 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