# LAKE COUNTY BANK
SAINT IGNATIUS, MT · FDIC certificate 16256 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $31.6M | |
| Deposits | $28.1M | |
| Loans and leases | $11.6M | |
| Total equity | $3.4M | |
| Loans / deposits | 39.33% (p11 of band) | 70.43% |
| Liquid assets / assets | 58.59% (p86 of band) | |
| Uninsured deposits / deposits | 6.03% (p16 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.88% (p38 of band) | 10.49% |
| Unrealized securities loss / equity | -0.23% (p9 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.21% (p14 of band) | 0.80% |
| Net interest margin | 3.46% (p44 of band) | 3.57% |
| Efficiency ratio | 94.06% (p88 of band) | |
| Noncurrent loans | 2.83% (p86 of band) | 0.77% |
| Net charge-offs (annualized) | 0.83% (p97 of band) | |
| Reserve coverage of noncurrent | 175.15% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 5.64% (p32 of band) | |
| Auto loans | $821,000 (7.05% of loans; DQ 2.56%, NCO 0.11%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | expense ratio p90 |  |
| 2011-12 | 5 | capital falling | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent | losing money, charge-offs p90, expense ratio p90, capital falling |
| 2012-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 2 |  | losing money |
| 2013-06 | 4 | losing money, expense ratio p90 |  |
| 2013-09 | 3 |  | losing money |
| 2013-12 | 4 | deposits shrinking, uninsured deposits leaving | expense ratio p90 |
| 2014-03 | 5 | losing money, expense ratio p90, charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2014-06 | 5 | uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 5 | reserve under noncurrent | uninsured deposits leaving |
| 2014-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2015-03 | 1 |  | losing money, expense ratio p90 |

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

- 2013-09-27 [Man in custody for string of Salt Lake County bank robberies - KSL.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRDEzUjlqS09VZ3ZRTTg0QVBpZEd0UDh1N2ZYQUYwNHVoeXF1UE5ZRmV5eElacE9qUmpMTTZPMVVvNk1zaEo4QUpPbnI2VmlQUDluTWVpREtieVkzekFkS1BrX3FyYXQ0TFptSGl6Q2VFOC1zdHNRTXF4Q0NIbzVaMmZrR2RWVFB1aVc4U3hKRWFodnV0clZnUTRBZ2JmazdhZW5XaHlVWF9ON28?oc=5) · KSL.com
- 2019-08-05 [Pasquale Cisternino sentenced for string of Lake County bank robberies - News-Herald](https://news.google.com/rss/articles/CBMirwFBVV95cUxOMVcwaFItZEUxM21hM052LVl2RDFTdWNpUUxfVHpta0NURzJhaVFaWFNFdzBwV09Bd2xRSHRKNjB4QnpqOXRrdXQ5VjZjMy1kZkRsdEtnTkVlc0hNUkNsYnUwN3FUNVNxaVR5TlA2TEdQSmVsQUdBOElTUUF4XzFDWDZuY3FtV0hHYnRPV3BGd2dvc3BYTVp6NDVfYmlsUldxeE14aURKSFYzN2RPR1pr?oc=5) · News-Herald
- 2018-04-01 [St. Ignatius embraces its multicultural roots - Daily Inter Lake](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTE5COHg3WW9CNjFvNWVGUzZIMDRpamsxc3N1dGcxUnZTYkRaQUd4Rml5aUlmclJDSW1fOE00TU00VFhBN0pBcmsxV25JTlA4NFhSTDZFOVVUVkMtNHpXQlIzYnNFUHUybW80bUxNMmQwdHpQQkR3cUpRdGZ6aW96LTB4QXJsNWUxSUhDRHhGeGEzZGpkY2c?oc=5) · Daily Inter Lake
- 2022-02-20 [Charles Gariepy Obituary (1960 - 2022) - Missoula, MT - Missoulian - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNV1lMVnBxbG1JVjlXVHVURVFlYjB5TjRmbk9yTmZURnNmbktXTmg2VjFfU21YdHpPYmMxazhLeFd4Szd1RGh2NVdTOVJhWkZ1SW9Wd0xidEVNeVlHUV9GYkNWMjR6T29mam5qT2MxTTZENTdnWm92T2NGd29STDhqTVc4R0dHVlVmSENIejlIbTVDZ2s?oc=5) · legacy.com
- 2009-03-04 [Obituaries, March 5 - Lake County Leader](https://news.google.com/rss/articles/CBMid0FVX3lxTE9JLUFYOUxwSmpSMlhRQWs0UDhPTkJzV0JOWmRnek1kdmxxdExIOGZEb1JQSDJsS1UzbHFXcklKc0FHcjBGVFlONDRTbjJuYjVSMktjSjNCa1JXcnI0a0VUXzNEWTVmZGVuM3JvbjNCRGRCd1ZUVUxN?oc=5) · Lake County Leader
- 2009-09-22 [L. Douglas ‘Colonel Doug’ Allard - The Missoulian](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcm9hT3VWVkJMR1FvZ1dQdEtTaVlEWklpdThuYTJYeW1zTjBNMXFMMzAzVlBrMFNBNlA4QlRuMmJsWW4tX0VEeU9wckJwOVI1Y1gxYktWY0NOd1hRWDJhWTdXazkzdi1pNkZPOFQtNi1OVm9TQlVWZVA3OXhNejItTmRobHVyeTlXX1FMYjBvdDQ1WmxjaktNWk5B?oc=5) · The Missoulian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16256 (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/0.json (key "16256", 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