# BUTTE STATE BANK
BUTTE, NE · FDIC certificate 16110 · asset band <$300M · latest filing 2026-03 · 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 | $58.4M | |
| Deposits | $50.9M | |
| Loans and leases | $36.7M | |
| Total equity | $5.3M | |
| Loans / deposits | 71.44% (p49 of band) | 72.28% |
| Liquid assets / assets | 32.61% (p48 of band) | |
| Uninsured deposits / deposits | 4.37% (p3 of band) | 19.31% |
| Brokered deposits | 4.70% | |
| Wholesale funding | 8.20% (p81 of band) | |
| FHLB advances / assets | 3.50% | |
| Tier 1 leverage | 10.66% (p36 of band) | 11.62% |
| Unrealized securities loss / equity | -18.12% (p26 of band) | -7.15% |
| AOCI / equity | -5.48% (p2 of band) | |
| ROA (annualized) | 0.72% (p28 of band) | 1.12% |
| Net interest margin | 3.83% (p49 of band) | 3.86% |
| Efficiency ratio | 77.84% (p73 of band) | |
| Noncurrent loans | 0.46% (p55 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 230.59% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $367,000 (1.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 | deposits shrinking | reserve under noncurrent |
| 2012-09 | 2 | brokered >10% | deposits shrinking |
| 2012-12 | 4 | deposits shrinking, assets shrinking |  |
| 2013-03 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2013-06 | 4 | wholesale funding >15% |  |
| 2013-09 | 3 |  | uninsured deposits leaving |
| 2013-12 | 4 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2014-03 | 3 |  | uninsured deposits leaving |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | uninsured deposits leaving |  |
| 2014-12 | 5 | capital falling, noncurrent p90 | uninsured deposits leaving |
| 2015-03 | 2 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 4 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | uninsured deposits leaving |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | reserve under noncurrent |  |
| 2016-12 | 7 | noncurrent p90 |  |
| 2017-03 | 6 | capital falling | deposits shrinking, assets shrinking |
| 2017-06 | 5 |  | uninsured deposits leaving |
| 2017-09 | 6 | charge-offs p90 |  |
| 2017-12 | 6 | deposits shrinking, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2018-03 | 5 |  | uninsured deposits leaving |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 | capital falling | deposits shrinking |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 |  | capital falling |
| 2019-06 | 3 |  | noncurrent p90 |
| 2019-09 | 2 |  | reserve under noncurrent |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | reserve under noncurrent |  |
| 2020-12 | 4 | charge-offs p90 | reserve under noncurrent |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 | uninsured deposits leaving | capital falling |
| 2023-12 | 2 |  | brokered >10%, securities losses >30% of equity |
| 2024-03 | 2 | capital falling | wholesale funding >15% |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2021-03-03 [Prayers of appreciation - The Crested Butte News](https://news.google.com/rss/articles/CBMibkFVX3lxTE04RTNrTDY4VF9UejdLRmNfOHhncFpWOGNmSjFMN3loVWVjejdrLWw4dmF0Rlk1NHpNU0prUWpOODVRdXE5S1d3ZkpGemJTNFpSMUNiVDVxdXdTM2JUa1NxSXBLcGFLaEZzZ0pVNzdn?oc=5) · The Crested Butte News
- 2024-07-24 [Jane Brewster Obituary (2024) - Stuart, NE - Seger Funeral Home, Inc. - Atkinson - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZWRnUHNzOVRNMW01c0p0V0FJb2xhSlEzZWRtU0J5TlZ2NWNuM2xvLXZ5ZU5sQlFGTkpQMDltcU9FNFNPVlJsVk5xMFFkNEc4eTloZE5PSUVFbk4xVW1vTWNrZ25jbEZxX2luQUlsdnJORWk0QnpSRWh3S2FHYmx0dGVB?oc=5) · legacy.com
- 2025-11-12 [Local nurse Peg Sharp receives prestigious award - The Crested Butte News](https://news.google.com/rss/articles/CBMijwFBVV95cUxOcHBDRXpVVl9BM2RSai03N19pRXktVzA0LS16bFFsXzNCTnpvZTRmRlpUaWhLVFVndkRrMnB6TFA5WU1WQXFwWl9vemhQZ25LS1ZaaEthemtFUlZiclJIWVBxMjAtdUo2ZXNMbUVLczBHSUpsS0huMWdsQ09oTnZ2OWhDRHJ3Q0dSTjBlRkNnUQ?oc=5) · The Crested Butte News
- 2023-02-08 [Profile: Laura Hegeman Brodie - The Crested Butte News](https://news.google.com/rss/articles/CBMidEFVX3lxTFBXYWt5YUxGYWYxamxWSi03VnpzaF9mdE9UN3FhdEFJMkJqcmEwWmdPMWdMY3dycDRBaXFhNGRscUdnNjFEYlprWFo1eF83bXM3RGNmX2VzTEo3ajBHVW53QTZpWko0eXFtOC1Gdk9Qb1ctZGsx?oc=5) · The Crested Butte News
- 2005-07-17 [Bud Garland Obituary (2005) - Oklahoma City, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOZWJmNUpQTHRtSDlqdWgwaVNISVN0d0llYkxmeTZCU3VaU08zRENleEVrbHB4Vzl4YW9zR01LdEJZeWlaWHZqdU9MNnhtOEZjWjNtNXUybFduOUJTZ19neHBBSmJXQzR4dHRjd1FzOEZKcHVKVy1waEt6UnJrU29oLUxMcXNLQW83ejY0dw?oc=5) · legacy.com
- 2019-03-06 [Anger Management: The PowCam, Met Rec, public officials and perspective - The Crested Butte News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOazFuOWdrSHN5b0FQRF93azJqNTlKWlBRQ2hoODhkeEVuWkFNQlgtSnAweXBrWWFwTWowVlAxT1BPZlhOR3NrRk9RbHVTSFFHa0lDSkxjVXlCYXVIY3Voa1NhWVd5QWk2MVlveV9tTDl6WmI3T0tuVG9ZRmhRY1Y0VGdweV9EODN0azZXelpkUDFjLS16ckd3VkJRNjN3UFVWRGVGTkRxaWhqUQ?oc=5) · The Crested Butte News
- 2024-12-18 [Profile: Roxie Lypps - The Crested Butte News](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9UZmVpNGNNbDYzblZnbXV4WE94RXhTOEVfTEphWFg4aDZoNnlyTWtVMnBpRzI1Tk11WFQza1Y1cHprdERuT2pVZTFVRXhlTFBqVUQ3WG1LX25rYUlfTFZWMkk3bGhXaC1W?oc=5) · The Crested Butte News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16110 (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/46.json (key "16110", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide