# OREGON TRAIL BANK
GUERNSEY, WY · FDIC certificate 19118 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $35.6M | |
| Deposits | $31.4M | |
| Loans and leases | $25.7M | |
| Total equity | $4.1M | |
| Loans / deposits | 81.29% (p60 of band) | 75.88% |
| Liquid assets / assets | 18.22% (p21 of band) | |
| Uninsured deposits / deposits | 17.06% (p57 of band) | 15.42% |
| Brokered deposits | 0.03% | |
| Wholesale funding | 0.03% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.71% (p46 of band) | 10.88% |
| Unrealized securities loss / equity | -0.34% (p59 of band) | -0.66% |
| AOCI / equity | 0.17% (p60 of band) | |
| ROA (annualized) | -0.02% (p7 of band) | 0.85% |
| Net interest margin | 4.06% (p70 of band) | 3.74% |
| Efficiency ratio | 90.31% (p89 of band) | |
| Noncurrent loans | 0.40% (p43 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 189.22% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 27.08% (p62 of band) | |
| Auto loans | $305,000 (1.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## 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 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | deposits shrinking, assets shrinking |  |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | uninsured deposits leaving | capital falling |
| 2013-12 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2014-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-06 | 1 | capital falling | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | expense ratio p90 |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 2 | NIM <2.5% | expense ratio p90 |
| 2015-12 | 2 | expense ratio p90 | uninsured deposits leaving |
| 2016-03 | 3 | capital falling, losing money | NIM <2.5% |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | capital falling, assets shrinking |  |
| 2017-03 | 2 |  | capital falling, assets shrinking |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | expense ratio p90 |

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

- 2026-09-01 [Obituaries: Loutas; Townsend; Butler; Fancher; Simpson; Tanner - Cap City News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYWxOaUlQNXdpRlY3ZlBaMWFfTVFzNUpYNjFqdGJOVjFiVjB6Tld1MU80M2JfdHFheUpzMHNEVUU0VnBwdWJZSEM0eWZ4Nmo1Y19kRHJINUd5ejlLdXhDbl9ibDdYdEVDbGhlRVpXM2pHbkhFcEVXNEVad0tqNm94a1VBVExpQ2p2T2VEclNHM2F0R3FJWWZPNUJVZ3hoQmRRQ2c?oc=5) · Cap City News
- 2019-03-04 [Jumpin’ Jack’s Family Fun Center to move, expand this fall - WyomingNews.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOQkZxR3lSUFZSSktUd3lMUmtiaHZ2NzBsUkI0d0dBck1LRUh3c2p4MmQwVlhIVjJpeFJ5NlhuaFNZM19VWHp3T0pjaTdkVmxZNmJtN2pLcDluQzF1Qm5oTTRzcVZiMkFVd0dkMWV5Y3hfVTFPUTVtNUJyWTZrcnlnVmdOQVVsb0JyMGZMUUNjeWVGa0pCbUtjWU9pbzhmMWNDY0piTjcxeEFFN3RkeTVIMEs3UFJuMW9VMWhJdFJ2WkRqZmNUQ1k5UkE2V1FMMnhaS1BGbTdIUmpjTHpjaV85MVBhb21EeVU1RFFXWktBc0ItWmIwc1U2NWJ3SHAySTg?oc=5) · WyomingNews.com
- 2024-06-28 [Wyoming Ag Leaders: Philip Ellis and Laurie Boner selected as 2024 Wyoming Ag Hall of Fame inductees - Wyoming Livestock Roundup](https://news.google.com/rss/articles/CBMizAFBVV95cUxPZEh5R2pDYW43bWVHUVpZZ3JMYVhRM0tnTXE3RVpkaU5WRzdoWTU0WUhhQ1lhVERPWkZfZEwxQ3MzNWhrLUtMYzZ5UzdBUXJNTzZWcmJUNExPR2FxZDBsbENHMnJMeThoRHFLd2U2M05TZTBqdkhkalRERkpRZWU3dEc4NjVhNVhCaWdvUUZfRmtVM21MUFhoVnBuUmxQcjBZTDhZbXpRWlliLVQxb3k4Q2lyMF8xcEVQNVBleHhEeVllUVV1OWlPSTUxOGI?oc=5) · Wyoming Livestock Roundup
- 2026-08-31 [Janet "Vickie" Tanner Obituary (2026) - Cheyenne, WY - Wiederspahn-Radomsky Chapel of the Chimes - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMUtQa0NldHVPOThUdDlLX0c0UlVNNkFaTWh0NmJDeHNRQjEwZndQdkVUeEx3MUl6YmtqUnpBa1JfcDFGS1lPZmM2YUZ5RzlkWVd0cmY2ak9YQUxPWHNVLXcyY3JtbS1pcVo2TWJpbTJmc2dialdpOHMyQWJnUlZOcA?oc=5) · legacy.com
- 2007-09-10 [Wyoming Quarter Used in Coin Toss, BP America Gives $5 Million to UW - University of Wyoming Athletics](https://news.google.com/rss/articles/CBMiggFBVV95cUxOSHVSRFE0eGVxWkJsWnlMVVB3MG5BZXJHNFVCUGlHRzVSbTdJZDM0OEEzdk8tT2FlYnhsbzc3WGV0TGN2SjQzaEhvM3hQYnlNZFhodnk1bl8yYUR1QXRxcWp1ZHBpMUNZY0c4dXdYNW9Ia2JPcjRHVTFxbTU2Rk44N3VR?oc=5) · University of Wyoming Athletics
- 2019-05-20 [15 Small Towns in Rural Wyoming That Are Downright Delightful - Only In Your State](https://news.google.com/rss/articles/CBMibEFVX3lxTE11Rl9McURSaGtPOWJYUnVZb3pBLUZ3NDRnbHlvVmhHWEc0TVBUSkVSQi0tMjh0QmI4TzBLV2FzaWVTV2dhMVcwUzVjLTlGSUFnUjNUQjhLT1Z6VVU0RXNadTNRanBfdDYwZGNCbg?oc=5) · Only In Your State
- 2022-05-01 [Anthony Testolin Obituary (1931 - 2022) - Wheatland, WY - Casper Star-Tribune - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPM2RXbUE1M29XaklpS3VydC1PVFBjMXY4X0RSMC1zNnhtZ1JyaHRRbzR1ZVh3WE5HYU0tYmtPZ2xZdElLM3ZKR1ZtelFCWGVjd3VWMHFUakNSN25tNEtEV3AtMERCZ1VQS1Z0OENRR01wN0xzLVhiLWtuZDhNNkhvNDUzMWJMaFVfRlYwdg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19118 (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/46.json (key "19118", 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