# DUTTON STATE BANK
DUTTON, MT · FDIC certificate 18292 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $56.1M | |
| Deposits | $46.8M | |
| Loans and leases | $50.5M | |
| Total equity | $6.8M | |
| Loans / deposits | 106.52% (p95 of band) | 76.19% |
| Liquid assets / assets | 5.04% (p1 of band) | |
| Uninsured deposits / deposits | 8.63% (p22 of band) | 14.99% |
| Brokered deposits | 4.34% | |
| Wholesale funding | 7.90% (p75 of band) | |
| FHLB advances / assets | 3.57% | |
| Tier 1 leverage | 11.50% (p57 of band) | 11.02% |
| Unrealized securities loss / equity | -0.01% (p42 of band) | 0.02% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 1.22% (p70 of band) | 0.90% |
| Net interest margin | 5.43% (p98 of band) | 3.71% |
| Efficiency ratio | 69.35% (p47 of band) | |
| Noncurrent loans | 1.46% (p74 of band) | 0.62% |
| Net charge-offs (annualized) | 0.04% (p64 of band) | |
| Reserve coverage of noncurrent | 86.39% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 47.23% (p78 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2014-06 | 0 |  | capital falling, charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2016-12 | 2 | capital falling, charge-offs p90 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent | capital falling |
| 2017-09 | 4 | deposits shrinking |  |

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

- 2016-06-23 [The State Bank of Townsend and Dutton State Bank merge - Great Falls Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxOT1pIRTJuZWgteUVDbmZ5VDR5Ukd6QTRCTXJkSU0ySlJtNnJuNkx0TFBOMFZLRTRDYldZR3d3WkhfaWxyLUV1eGpVQ1lyNEdJclZCU1lBMGxPRHFESG9iSkpfNTNIbkR2WjhOM1o1dkJVbWVlVWxSbGZnVElHX3B3NGdISXBEYXhjLVAxOG9xbTNGdzhPT3RZUUZtNzR3OWNaMnhvMGtwLUg2emhobENv?oc=5) · Great Falls Tribune
- 2026-07-07 [Obituary: Robert Stephens - KRTV](https://news.google.com/rss/articles/CBMibkFVX3lxTFBOVFRKanFoS0xFcndsam12T2drZlBIaUh2NUMzVGdUYkZSOXBqOXg1VUh0ZmlKMUVPRk5iZGNGbm9vNFFzRzNITnM4UmJ5elF0ZmN4bElIcVN3ZnVNWS1XeHhVNFBLUktPcndyYU1n?oc=5) · KRTV
- 2017-10-04 [Vocal Credit Union of Montana acquires failing bank branch - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxONmhSbjdhaU5sa3E1TmVOSFhYVDkxaDhzOGMtZF9lZVhZRjByTHV6NFRxVFllRnVVdVEzaWhUWnR4czZxZmc2SXdtNXdiMXVJTXZ6dDBzVVhKZ3hWVWFPckpxdnA3THdMTnp1Nm5xZlU1b2NieXR2SGpVaEl2SDJHakViSHBpS0huMjdVVFJaMDZreDZlUng1Zkd4Nmxpa1ZqS2w1Q1g0ckt5ZEE?oc=5) · American Banker
- 2014-12-16 [Central Montana banks merging - Great Falls Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZXJab0Ytb1JwTnBJbnZxcGp4RG5zZG5vWlJXNUVscW1MZHZCQ2ZybGNLQWZkazlPNW5YWG42M0h1cW5MXzA1MmRyT0wxWHZ5RWJCaGFRa3hLdVpOV19teXV5Mjl0d19vUDl3ZEkwVUk5Q0tjQkFIUXdicFBKcmZpU24tcTJ1ZzhabUx5WlJXWTg3Qno4RXc1c1lVc20?oc=5) · Great Falls Tribune
- 2025-12-24 [Fire heavily damages Dutton building - Choteau Acantha](https://news.google.com/rss/articles/CBMimgFBVV95cUxNMU9GanpNaXZrYTNOaEo4RGk2ek9JU016b0tRb08xaFQ2OFBfTXFkQ2xTTXc1U2hPMlo1TkxHeXZENzdGNmxRelZwVzVJQ05lU19XcFpGckZmSDVpeG5XQjVpdVlpTUplYTA5R1RxZnlPNFBfSDRBVVBqU0dXZ21JRC1iRHdoblAtSWdSc2JONWZrQV9MUUY0SG9R?oc=5) · Choteau Acantha
- 2017-08-17 [Gloria Sundquist Obituary (1930 - 2017) - Cut Bank, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPWnZkOWp2QzlyT1ZkMy1Xekp5RTUzaU9LUzY4R1hlR1RWNjdTTE1vWnR3UTRKOHo1UjZzTEFScC03RXpoSmNHNUhBRHAxbUdpeEEySUlqcWxIZVlsOXhtN05BdnBDRFZ5QTN4ck1KcjVwWUNUOW9XaUluTXcwWldsbkt5OUQ4aEpNb1BFRXhKWTUyYzhrRkxRa3RyUWdEZw?oc=5) · legacy.com
- 2019-01-27 [Mary (Van Heel) Vine Obituary - Great Falls Tribune](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9wZ0s5QkJkWV9pM0dOR3pHSHZlYVU2Z2ZSU3B2R1FFZHVIVl9mdmxiX01HY0tydG1xTWhUTFJ6dnA5THJUZHAzMEZiamV2ejRIRExnZXRLYURUN1NKcFdNSDExcF8?oc=5) · Great Falls Tribune
- 2011-03-28 [Joseph Phillips Obituary (2011) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNUEhNYzZmVzRiRl9ZMWdLYmt4NFlVcW85U1FnTUpvS3RxMzFLbDcwMm5PZTdMTWVEU3VFSHl6OHdvLVdXSGJfbmlGYXQtcDg0N3hYRDVSaVNnalBEQnMxVl9hekwwbE1XYTdTMFByaTlGNFZleUI1eUJBUGJCX1RUSFJnUjk0ZV9yMkplRExuU3lMRFY2YUswanl2VVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18292 (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 "18292", 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