# STOCKMAN BANK OF MONTANA
MILES CITY, MT · FDIC certificate 16191 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $7.75B | |
| Deposits | $6.21B | |
| Loans and leases | $5.24B | |
| Total equity | $754.3M | |
| Loans / deposits | 82.88% (p39 of band) | 87.10% |
| Liquid assets / assets | 27.53% (p71 of band) | |
| Uninsured deposits / deposits | 40.06% (p74 of band) | 30.76% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 9.51% (p63 of band) | |
| FHLB advances / assets | 4.06% | |
| Tier 1 leverage | 9.89% (p34 of band) | 10.50% |
| Unrealized securities loss / equity | -3.47% (p72 of band) | -7.75% |
| AOCI / equity | -2.88% (p2 of band) | |
| ROA (annualized) | 1.91% (p85 of band) | 1.26% |
| Net interest margin | 3.89% (p62 of band) | 3.70% |
| Efficiency ratio | 50.38% (p25 of band) | |
| Noncurrent loans | 0.60% (p57 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 303.04% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 163.39% (p99 of band) | |
| Auto loans | $12.4M (0.24% of loans; DQ 2.12%, NCO 0.00%) | |
| Loans to nondepository financials | $148,000 (0% of equity) (p71 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 904 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | wholesale funding >15% |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2018-01-10 [Coffee Appointed to Minneapolis Fed's Helena Branch Board - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOM01iN044NmZIellzaXZtZEZiTnFUVkUzZGFBamQ4Nlh0dEhlbC1ZdnhNcjNxRENjQ2FEQW1MZlp1SDlfR1RFeElhd3YtUS1UT2VBZDJ4bWtXNS1hNFp4N1lUVWtLb01LaDBxYm9OZ0NvZzdRb25BM2xIbFFjQThWWWlEaWRBdGRSZ2lvbDlSTnYzWXh4c25aQnFHWnoxXzRkS3JtWWplSlN5UQ?oc=5) · Federal Reserve Bank of Minneapolis
- 2014-02-11 [The Buzz: Stockman Bank will buy Basin State Bank - Great Falls Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxOcm1QOGhLOTJrYmJGSDFtY2h0VU5ROERSd2JrT2R6SlV2MFJkc25mU1otRExmaG1uRktBSFo4Q09EVEphN0lmRHVlR3dZUWFsMk1rcGZ3bzNzRUd2cWtSVHhWS01yMmt4Qjh5dWFKOHhuS29KcWRDOUhDQ1dONzRkWklRamc3RkpYV2FvOG9zbzNoTTU4ZVR6cTZTTVUzbS1jcXVEUkFqOWxnRmI5QXROZzJSajU?oc=5) · Great Falls Tribune
- 2019-11-24 [William E. CoffeeHelena Branch Director - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBidEVMMHdJLWpXM1ZXb253aU84T1czUFk2cmkxdkZoek5PVjhFdUhVSXl6R2R4SkotN0FfZUFHQUZEdG1ocXJqQ3lka3dHS0tSSnozWVk0b3RJbUhJTmNPQVdEaGo?oc=5) · Federal Reserve Bank of Minneapolis
- 2024-02-14 [Heartland Financial strikes deals to unload Montana branches - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNjJINWhOeWpFbkFyMjlpUmxtNlUza1RoSl9XQWd6Q3VlRmF6ZkRNYW5ybnhvekNoNk4zV0pNakNOeHRMcWJKLUVpQ1dOcDFLMy0zWG9feU9BeDNRT0k0Z2RxdFdMeFREM2g0LThCZ0FsRGgxR1JwdGFnQW93TC1DZzI5eVBNM3ZzQjJidkQzNTIxX1MwYVhzZkZDUjE?oc=5) · American Banker
- 2020-07-02 [Markuson retires from Stockman Bank; Cooley named Market President - The Ekalaka Eagle](https://news.google.com/rss/articles/CBMiygFBVV95cUxPQWlTbzVuX0VnUE04T21vRVlsUmcxcE9FRWtaNVE5bEZLQlFnS0I0aTN2SmZsRVE3SkhaRU1rTi0wNGJpeTdXeGtycDhubkwzOFlZZVl6bUh3ZC02d0I4MVA5MTlEWEpJRGVhSkphWmk4WWQtb0NiajE5MWFEcE55Mm5qYUY3SndWTEVad250a2QyYUljOXVpbklCdXNLQ0pOR0tkeVFXOTJVUVpqOHNsMlllMU5kM1k4TF9LSDVQVjdsOW5Qa1lmS2tB?oc=5) · The Ekalaka Eagle
- 2021-06-08 [Missoula officers investigate downtown bank robbery - NBC Montana](https://news.google.com/rss/articles/CBMijgFBVV95cUxOcC1RV3ZHc3hOMThQR3RhTndHTTR2Qm1ma1p5T3M3ZXRwY3VEN3NoV0RLOUY5ZHFxanFzaE55cFBKVkh1X3YtaUJpSEVpWFJubDVwMFV4Q2JzV1dRTGRubDdqUnRLcFZqNV9jVWZmR29UeFh0c3luYmFjQ1JFeU9hN2hsLWNBWXFtcEFxZGxB?oc=5) · NBC Montana
- 2026-03-03 [Notice of Trustee's Sale - Davis and Doney - cutbankpioneerpress.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQM3pCeTF6eGVIRlhfY21GZkZtdWgyc0c2d0FPTXRuWWExOG8yWnZpcXVOY0NIVFhubS03M2phWU5TeEZSb2RjT1Y3UU1mSFpONmU1X2RmdlNzaEJ1YWRDcy1uZHRtbjdGQ0FxN0NWNXBoS2NnZ2V2ZkJoSHdBdzdmWDB5QXVLdmxwQ3JDVmVvSlkwQW5OZXJlVXoxX29pVVUyTTNqQ3dOa0phWF9Vemc?oc=5) · cutbankpioneerpress.com
- 2022-01-13 [Gov. Gianforte Announces Board Appointments - State of Montana Newsroom (.gov)](https://news.google.com/rss/articles/CBMihgFBVV95cUxQV3ktQjNfUEVxT0pfRjlUdVNMOVdWME5yVm5kRGRncXd1VmJnR1NFd2pwS1FsNDVRU1VfMzFpUDFidFFjdnd1ZkY2SkxJZmNnWXpUVzNhZF9tTjltZE9Ia2M0Nm4tVUdZVnhPREdqblV2T0p1X21BVVVaRm9BRjlfTDhWUHB3Zw?oc=5) · State of Montana Newsroom (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16191 (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/63.json (key "16191", 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