# BANK OF BILLINGS
BILLINGS, MO · FDIC certificate 16959 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 4 (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 | $105.0M | |
| Deposits | $91.2M | |
| Loans and leases | $79.0M | |
| Total equity | $12.9M | |
| Loans / deposits | 85.89% (p72 of band) | 73.59% |
| Liquid assets / assets | 17.27% (p16 of band) | |
| Uninsured deposits / deposits | 13.84% (p27 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.88% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.03% (p41 of band) | 1.17% |
| Net interest margin | 5.29% (p94 of band) | 3.93% |
| Efficiency ratio | 71.35% (p63 of band) | |
| Noncurrent loans | 0.91% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p86 of band) | |
| Reserve coverage of noncurrent | 92.63% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 130.57% (p97 of band) | |
| Auto loans | $1.1M (1.42% of loans; DQ 0.36%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.2% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 5 | leverage <7%, losing money, charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 3 |  | capital falling, leverage <7% |
| 2012-12 | 3 |  |  |
| 2013-03 | 0 |  | losing money, charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 | losing money, deposits shrinking, assets shrinking |  |
| 2013-09 | 2 |  | losing money |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | reserve under noncurrent |  |
| 2014-06 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | charge-offs p90, deposits shrinking |  |
| 2015-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 3 | liquid assets <10%, charge-offs p90 | uninsured deposits leaving |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 0 |  | deposits shrinking, liquid assets <10% |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |
| 2017-06 | 0 |  | capital falling, charge-offs p90 |
| 2017-09 | 1 | expense ratio p90 |  |
| 2017-12 | 0 |  | expense ratio p90 |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 2 | liquid assets <10% |  |
| 2018-09 | 0 |  | uninsured deposits leaving, liquid assets <10% |
| 2018-12 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2019-03 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2019-06 | 1 | capital falling | liquid assets <10% |
| 2019-09 | 2 | liquid assets <10%, reserve under noncurrent | capital falling |
| 2019-12 | 1 |  | liquid assets <10% |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 1 | capital falling | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 2 | liquid assets <10% | loans exceed deposits |
| 2023-06 | 2 | reserve under noncurrent | liquid assets <10% |
| 2023-09 | 3 | noncurrent p90 |  |
| 2023-12 | 2 |  | noncurrent p90 |
| 2024-03 | 4 | noncurrent p90, charge-offs p90 |  |
| 2024-06 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 2 | reserve under noncurrent |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2026-03 | 3 | reserve under noncurrent |  |
| 2026-06 | 4 | capital falling |  |

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

- 2018-05-25 [Pokin Around: Nationally known artist painting mural on former Bank of Billings building - Springfield News-Leader](https://news.google.com/rss/articles/CBMivwFBVV95cUxOWVpsaF9aZnd0alhtSENFUF84SnN2NGh5YjBST3Z4d1Q5M1ZmU0g1RVF6NDlTRkYzU1JGOEtHdG9WdWMyOTNJYUQzTS1BcjZ5X2lBWDJlRV8wZ3hVYm1hQy1Oanh3Vl9wTVlEU3lXMHlZRTRKS01RTTByNGN5N2ExNDE3NENkSlEyMWstVGR2bWt6YkVwb19VMHZsZDBKVGxDQUFfbjM2czZLVXpaX04yaUp4eFV6QWEzdE5FQXp1TQ?oc=5) · Springfield News-Leader
- 2026-08-22 [Marionville, Mo., mother and 5 children lose home in fire, community responds - KY3](https://news.google.com/rss/articles/CBMinwFBVV95cUxOakpPemNGWnhrZHU3Vmw1RXdMcTBnbXY3OVNCSmVvQ1FINTNBY0Z2UzE0bm9iN01SZW80LVNwbjRGM3pEdXlxT3NBcHNfcHY3SUxpU0g5SW5Uc25xVlp6bFVncGJsZUFFT3BobUZfVlZDc3lKLVVNSC15dVprM0t5bVc3dElwVWxUcmE5ZkxBRGJ0dXl6Rjk5azhWcGdXdmPSAbMBQVVfeXFMTllLUm1BWGZ5MDhLR2pMT05wYmhMbVZLclRlQWIzWTFoaDIzTzdKdU9xZC1XbEIxeURCQXlDdkFhVEttVkFKd0NreWJ3eTg1a0lrQXBrM2hSNzBpNzk2dVNESXhLS0JXeDJ1elRUajY5ZDFBWXhJRF9CZWw5QjZxbzR6bFRsWlpUckl1eXlpdEE5SkVqdUdkSTVjdWg0S1RNU1JNT2xMS0FteEFKeXY5VnlqYnM?oc=5) · KY3
- 2026-08-11 [House fire in Marionville, family lose everything - koamnewsnow.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOWmxfVTZpUEdVbUdMTmphQnNjM2xYN0RwUGp6enJrN1pvRFVYZnVaSHNpaXpGczd1WUV6SnVuNXAwWFFRVUVPSnBXZjQzRFdwZ2hiSndHUGFZaktyUkZqRl9VVzZmd2k0YnpxZXJqb0ppWVFudHBRU2FSMDdpWE1OYXNsanUyLWhJbHc1YjhUOEozelVLbEg2a2dyUVJCRDJXcERqTU1aaXNnXzRaZnNuNmlvQ1Q2Z0hQdi1ObUkwZGw2X1ZoMzgwRWZaeTlYT1YwQmt5U2c2NXdsRnF0ak1tYmpvTQ?oc=5) · koamnewsnow.com
- 2014-04-01 [Billings bank president sentenced for fraud scheme - Springfield News-Leader](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZDNNTFNQQlVOdlA0eVdJNXktUFI5YmVJcnpnNk1OMnJNSVdUTDdBdUowaXdDeVpuczVXY1FwWjBtM1FrdWVHV0VVbUIzR25WM1BhaEtSeDl4Q2ZPNFpRaFJlbllhUGpKRUtpNzZUbEV0XzZoWlJfd0FjY1R1ZmxEVlUxRElrdXozU3RpSmRVREtab3VNbVFjQklWb0YxMDJlZzhJOC1uUnF3WkN1LWhtcA?oc=5) · Springfield News-Leader
- 2023-07-18 [Linda Elizabeth Houser Obituary (2023) - Sparta, MO - Holden Cremation & Funeral Service - Sparta - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeUZBVFRqQmFpSVh3SFFoYm1fbXVpU0VUODFJN2doN3R2bUVyNHlDVWVQdzU3V3c4S0RCODRQZy0zN2MyUUFvemNXVkhLNGNpZVNyV2t1RXN5d25uTG5zVHZ6c0RGSW55VXYzWGJ0WXlpSGgzdzRhR0Q0OGp5QVFVSg?oc=5) · legacy.com
- 2016-10-01 [In one of Missouri's fastest growing counties, this small town kept farming - Springfield News-Leader](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQSkdKUjc4VERIbE10blhicy0zLVFCM0x6SVBxLS1KUkZ1RU1iYmotWkp1c3BIMlU2RFlfa1RiU0ZjTkRROUs3NndvWUFVQnpBSWx6cG05Y1lKT0dWYUEyTVZNTHcxZWFXUHNjTlNiSTFrMU4wVHdnd3RxUHp5TGQxUGpVR1d0TUMzRDU5QTBydzdkQ1AxakFRUk5JOHZrREJfRXJDaGh6bTROR2p6MGN0Vlo4RlNSQURXdXYzMXNaNkVlWTh2dXNjaG9raTZjZ1hIZXFxUkdLb2xGMDdRQ0E?oc=5) · Springfield News-Leader
- 2009-05-08 [James Schupbach Obituary (2009) - Springfield, MO - News-Leader - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNmk1STdaVlhzMWEyd2VaVDZUMGJJUG40eGF6cU52UFZUWmlVUjJTcVkxaFBSR1RHR1JxRHA0OVFWajJRUmJpNVpNX2FHLTRLWkdkOTRwcDFob2x0S3RNOVlfTUJWZTVoaWY1eS1QWHhPeVVNLWFBa0FsSjItcjNuSld2amRQdWhfc0poZk1fTV9DVzht?oc=5) · legacy.com
- 2017-04-05 [Christian County election results - Springfield News-Leader](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNY1V5am12VFgySnJhaUpnRTFUT3I0QzVNV3A0ZGZtYXlHQ2ZxTGJrbV9sbnJxaVB0MDJDWldsOUJVai1JajRfSDRPTTBwREIyRlpPVzhYTzBzTDhrblo0dFM0a2RyMUozNDcySzdyejEtNkQwQlFsU0llcTR1N19YMjZXZDJJR3VVM1hTc0ZfaDY5TGZKQmtJXzZ2V3piTFdibDZsb01HUUtSeXozYk85NF9vcGdIU29l?oc=5) · Springfield News-Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16959 (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 "16959", 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