# FIRST SECURITY BANK
BOZEMAN, MT · FDIC certificate 1520 · asset band $1-10B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.02B | |
| Deposits | $891.6M | |
| Loans and leases | $639.9M | |
| Total equity | $109.7M | |
| Loans / deposits | 70.43% (p16 of band) | 90.29% |
| Liquid assets / assets | 31.53% (p79 of band) | |
| Uninsured deposits / deposits | 19.76% (p31 of band) | 26.14% |
| Brokered deposits | 0.58% | |
| Wholesale funding | 2.35% (p18 of band) | |
| FHLB advances / assets | 0.08% | |
| Tier 1 leverage | 9.69% (p42 of band) | 9.96% |
| Unrealized securities loss / equity | -3.22% (p9 of band) | -0.71% |
| AOCI / equity | -0.61% (p6 of band) | |
| ROA (annualized) | 1.60% (p91 of band) | 0.92% |
| Net interest margin | 4.08% (p83 of band) | 3.55% |
| Efficiency ratio | 59.62% (p41 of band) | |
| Noncurrent loans | 0.86% (p74 of band) | 0.50% |
| Net charge-offs (annualized) | 0.06% (p58 of band) | |
| Reserve coverage of noncurrent | 216.18% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 63.13% (p71 of band) | |
| Auto loans | $10.9M (1.71% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 191 | |

## Flags firing in the latest filing

- none

## 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 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 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 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |

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

- 2026-04-20 [RS City Council to consider new First Security Bank sale offer - Wyo4News](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVHBNTUx0RFNNZ0JMUlR4WnBJNkFGdFJMS2QxX2tBZUtPSExwbV9ERmFqaGNfUl9QMmZaX2VDNDBZblNHVTZZclozWjIzb0wzRFJKbjdyUzlLNXJENDZaaHNSWmdjTkVXd3MydjRhWmp3Q1FGMkhvN0ZMN2lxeElEWHB6bjZ6NG50LUlnejdVTmo4Zk0?oc=5) · Wyo4News
- 2026-03-18 [Price to retire from Mountain West Bank after nearly 25 years - Idaho Business Review](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRzFrekxERWROOWxLbVVXVW5vOU1aTDJwcnZJcTdtWEFwZG5TbmdXZzJBR0VYc0djSDRLX01PRFdYdG5fNUctR3Y4Zk9nMjZ1RG1FMFRYeXB4RmZBRkNTUzhLOGU1OS1aclhJQllNSzR2cGFkVmhQcVgyQWU3MW1OSjYzc2lFcEUzQngxaklvVQ?oc=5) · Idaho Business Review
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-07-01 [Win Cash This Summer With First Security Bank and XL Country! - XL Country 100.7](https://news.google.com/rss/articles/CBMiSkFVX3lxTFBISmFVUXhCTlJySGpYQWRNd3lIRnFNLUlNOHhoOGNHSk55SnVsMzdnNTcyU2lLYm0xTGpRMVhVT3RhSVJlX0V0SW5R?oc=5) · XL Country 100.7
- 2023-11-24 [Family business: First Security Bank's first female CEO hails from banking family - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMijgJBVV95cUxPcERObzk1eTBLS0VVT1k0WkFvVkFNcjdrRjEzYjhMSG9UbHNVbU93SmhHVUx0UWxoMDJhanM1Z3h0STNyMVNETmdOUWlVLW9CQ2RWM1Uxekw1bTFMT0FVSGM3d1RfR0Z5Y3dUWUxJbWExRXRneGJJcWtJeHBRRnQzLUxmSkVwcEJLNnpUdjlENDJZbTZTYmxUenVfckMxbjNHV1NaWEs2Q0dBc0c0X1EzZDI1LTZ4MEsyb0FFb2w3akFRdDZOTTRsRXlnNGFXYlRlaXg1aWxRYkVhN3FLaUJkdmw1Y3lUU3I2MS0zWnBaMVZMeHY0NUxpSldwV3pSN09hd1NvRy14WGJURVBfQVE?oc=5) · Bozeman Daily Chronicle
- 2024-07-23 [First Security Bank now open in old RMB’s Stevensville location - Bitterroot Star](https://news.google.com/rss/articles/CBMinwFBVV95cUxOekJXRHFDVXRhNnR5dWlvOXhLNllUczM2Yy1ZOGU2VHZheF96MWc2WXJNNnBqMEUzN1dmakRNUWk4M1UwOEhYazF2LV92NXlaVUY0ZlVSQzVXR2xwTllwdWllaTJENl9kUEdmUUdFdTB5QlRVVGtpV3dzU2U1a2VzYjY1RkFDSFFrYVljdk5sellRVWpwRlE5czJQS1MwdWc?oc=5) · Bitterroot Star
- 2018-11-08 [First Security Bank formally opens for business in the Fort Smith metro - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPYjk1OGViTlkwZmVPUEs1TTlPb3RBY2hRNnhIZDZzSUFPZ0xFTWxkRWxoUm5taU40WHBrVlI4eWpuVXRSeVY4N0JZRGtyc1lzOXdIUXdyYWlHcDlXZE9JcVNVMVUyaUcwTUxGaGY3SUZBeGYwZVR5ejBraHlqeWp0eXhBNkdTRXM5V0hzbTJiOG5PNEZVS2RVWGtCdlRTUERsc2IwM0xtOEQ?oc=5) · Talk Business & Politics
- 2025-03-17 [First Security Bank names Blackwell as new Trust Officer - Mountain Home Observer](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdFhGRUJjY0Faa1pTaGItOGNmTEQ3RGNOM1BCeGFLa1JPQzJwLVplb0lRNVd4dUdWWGVJVVFsckJ2QVVCdEhWMEFqTkJUcGhpT290Q21aTEc2ckU3RWs3RXV0N0pDcjFydUhGNmxMZDJmNnFqNldmVlctWEtYMjFuRVRKVktnQQ?oc=5) · Mountain Home Observer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1520 (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/48.json (key "1520", 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