# GARFIELD COUNTY BANK
JORDAN, MT · FDIC certificate 18164 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $108.0M | |
| Deposits | $90.6M | |
| Loans and leases | $48.1M | |
| Total equity | $16.2M | |
| Loans / deposits | 52.38% (p22 of band) | 73.59% |
| Liquid assets / assets | 52.47% (p81 of band) | |
| Uninsured deposits / deposits | 15.92% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.82% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -2.17% (p69 of band) | -6.57% |
| AOCI / equity | -0.43% (p48 of band) | |
| ROA (annualized) | 1.30% (p58 of band) | 1.17% |
| Net interest margin | 4.02% (p56 of band) | 3.93% |
| Efficiency ratio | 56.67% (p27 of band) | |
| Noncurrent loans | 8.42% (p99 of band) | 0.36% |
| Net charge-offs (annualized) | 0.11% (p88 of band) | |
| Reserve coverage of noncurrent | 16.20% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $383,000 (0.80% of loans; DQ 3.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.3% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | capital falling, reserve under noncurrent |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2014-06 | 1 |  | capital falling, noncurrent p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 | noncurrent p90 | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2016-12 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 4 | charge-offs p90 |  |
| 2017-09 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | capital falling | charge-offs p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | charge-offs p90 |  |
| 2021-03 | 5 | losing money, expense ratio p90, NIM <2.5% | capital falling, charge-offs p90 |
| 2021-06 | 4 | charge-offs p90 | losing money, expense ratio p90 |
| 2021-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-12 | 7 |  |  |
| 2022-03 | 5 | losing money, expense ratio p90 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-06 | 3 |  | losing money, expense ratio p90 |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-06 | 4 |  | uninsured deposits leaving |
| 2023-09 | 3 |  | assets shrinking |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | deposits shrinking, assets shrinking |  |
| 2024-09 | 2 |  | deposits shrinking, assets shrinking |
| 2024-12 | 1 | uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2025-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | capital falling | charge-offs p90 |
| 2026-06 | 3 |  |  |

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

- 2023-10-24 [A community lifeline - Montana State University](https://news.google.com/rss/articles/CBMiSkFVX3lxTE9BaTNYc2VVUVhZSVFNQlpLOW1fTUdRdkRnRnpKYzl6RE9XLUFXa084WGY1SUZzUDBqRXZ5R2lvS0RKbjZDMDM4RmNR?oc=5) · Montana State University
- 2021-02-01 [56 Counties: Garfield County - YPR](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMWpKTHhPVmoxVVpQM09Ud0tMdVR1ZjYzNG1xTU9fZTgtb3ZJZ01VVTg2OG41WmhYbC1Ccl9yNDRkekhqaGdPeGV1Z0JEck80emRUZWIwUU9OSnFiT3ZvTERwYXQ4Uks2TXZDam9uNkl5ek9uTm8wbk1BaVpmNXBmc1V4ejJCQQ?oc=5) · YPR
- 2017-07-24 [Update on Garfield County, Montana fire - Tri-State Livestock News](https://news.google.com/rss/articles/CBMic0FVX3lxTE02bUVCTmpsM0RlX0JxeWh2S0t0SDBHZ0RYX2lqcmpSQXdMRS1LSHU1Y0tOUno4ek5sMVhkM3JNVEJpWU5tanl3RkV4T1JaeWJ2dVh1UUVCOGdiUzBMVzl6SURZMWFabEFrVy1HMWloclB6T1E?oc=5) · Tri-State Livestock News
- 2023-01-31 [Two central Montana ranchers plead guilty to federal fraud charges - Great Falls Tribune](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQNjlBMFhLS183UFJxaDl3bTA5dnNPZzN3TXJ2cHJYbUZWNnpVdzZkMW5jNkkwbUlZX0hvWWZEY192X2NyT05oOEoydmtZRHFSUFFibUpvc0lvcW9Ecl9zX0RQWEJHN3Nub3FheDk2NjFBQ2JDTnJMTTVFaG9mRkFhVmE1NG91aVdHNFgtV1p1aUFCTWpsbUR4TXd3UnByY3ZUemdmUW1UeFU4NjhKMXRSV1h4Nm1ZQzhnUHFrdDQ0Z0dYMkU3NGl6YWFJdDNSSE9LcGFXLWx0cWM?oc=5) · Great Falls Tribune
- 2023-01-26 [Attorney: Lewistown man sentenced after admitting to defrauding bank - montanarightnow.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNUTJmNFhOaU93ak9SZjRLVUVydDcwTG91T2Vlb0JLTU81VU1aekY2Z21sSEJVZ29JRnRCRHZsa1dYRmdmLUhMSE9lWUlSTFFYOTdIMm9FZkEzNnFyQmxyMTVFRmEyVU1obmYyYk4zcXhFUHJHQUZ2cnlmeFZiMG10ME5LVmp0ckNrSXQ4aEd1clpPRzBWZ1FJcUF0QlQ5T0pIVDAtN0trUUtmVmJwVlRpOGtVVXBQNHBnMjRJdkY0bWdxdVVaallISHpkMEpSRnpSVmZ1U2ExbzdSZUVrN2dYMW1OY3BpOE5KYndCZXlldmRFREU?oc=5) · montanarightnow.com
- 2017-08-18 [Montana ranchers continue to rebuild after devastating Lodgepole Complex fire - The Fence Post](https://news.google.com/rss/articles/CBMisgFBVV95cUxNd2FuNnRGa2RKako5RmVlSnRDaTd2bzB4Z2lEdldncE4xSE5ZczNodzA0bmNvRmUxNXlFd042MEpieUV4WGptTFdUbkdDRWlJVVUxNF81Q3dvcEZoTTE5ZFp2VUFRZmEyaWZIdm5wdWJzSUR6clowRy1vUmM0Wm5BRk8yTmpjMllyMDhBLTRVcWhiZU5fem5mcFFWSUVRWDhzZGN0a3lEd3JyN1ZUT1pNdnJR?oc=5) · The Fence Post
- 2015-02-15 [Owen Murnion Obituary (2015) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNjNrbWFib3ZTX0VoSFN2YjAtd2NFRmpQT1c0ckx5dUppb0Jma0d1NlJ4SldnVWhxOVhTdE9TZUNMUzdYaTRXNWp6NUJIZWlRVnN3b3lUNFdaa2c5em1UV1BjOW01ZWltUXVTYU42SU1EUnktSjFIWFpEdlZmUGRRWHBKMm54UWFVa0ZpOG9CeDhsYzloRlE?oc=5) · legacy.com
- 2017-07-27 [Sand Springs rancher recounts fire, looks for food for 550 cow-calf pairs - Great Falls Tribune](https://news.google.com/rss/articles/CBMiywFBVV95cUxPQVQ3ZmFWU1pYVk1Zd3h1TDlBYTI4QlhZRFpoRFBmWVJlYUR2UkwyaXBWRHFRQjhGZTNsNXAwM2c4UTJJOFVYekNvN21JcFRwM0pLMUYxeVI4Ulkwd0Fqc0t5ZURfeXRqd1daTm5mM09RUXYwZXFRcXd5MkN3SG00MmtmbDJNM0hFSFpqMnVQb0FvbjlRcTBkb1MyY3cyUnplLUItbnNLOXd4OTNLUzlSQS1SSUVNcDRTeHk1VkhaN0U3dmdOb0IyYnd1bw?oc=5) · Great Falls Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18164 (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/52.json (key "18164", 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