# MADISON VALLEY BANK
ENNIS, MT · FDIC certificate 19544 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $263.7M | |
| Deposits | $238.6M | |
| Loans and leases | $128.1M | |
| Total equity | $23.6M | |
| Loans / deposits | 52.84% (p23 of band) | 73.59% |
| Liquid assets / assets | 49.07% (p77 of band) | |
| Uninsured deposits / deposits | 17.23% (p40 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.24% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -23.60% (p19 of band) | -6.57% |
| AOCI / equity | -1.02% (p27 of band) | |
| ROA (annualized) | 1.04% (p42 of band) | 1.17% |
| Net interest margin | 3.69% (p37 of band) | 3.93% |
| Efficiency ratio | 70.68% (p62 of band) | |
| Noncurrent loans | 1.27% (p75 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 128.73% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 70.81% (p88 of band) | |
| Auto loans | $936,000 (0.73% of loans; DQ 4.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 39 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-09 | 2 | capital falling | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | construction >100% equity |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 3 | assets shrinking | construction >100% equity |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2018-04-11 [Matt Hill Promoted To Branch Manager of Yellowstone Basin Bank - The Madisonian](https://news.google.com/rss/articles/CBMingFBVV95cUxQQ2pMbmpBSVNjM2VHWmx1eHBmdDNMdjRXQll3NnIxRjRDb2l1VFFUZFVfZG11TEFqX19kcWl4elZIV29lUGtYMllHNjFNZTBHeXNUQ2hPWmkxNlhnalZSdmVzYWVYWjV1YzF6bXltQkNMNEdYSjczLVVMVmNUUXVaMDlXYndRUm1kR1RwbjBQQjJ5UkV0MkR6eDd4M1Z0dw?oc=5) · The Madisonian
- 2019-11-03 [People in Business for November 3, 2019 - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPTTZOd1FZYVlJOVkzbnMwaHJXcE5DMlczaTZpRkVlbktOVGRsakxrU04wVUt2WkJlY3VLSWVWNVE3RzVNeWJWYWlpZ3JQbjF4WFZSMW1MTnZXUTBJdXk5ZGRJQ1RWZ3dzbzFGb3pJSG1FRGtxby1sZ1FYNTYyUmNMMFRvNnJzb09xVDM5MjU3eFFhZWFRcE5VR2tjUzNraDhIazV6NG1YVFpiS1RXWDhhTjYzd18wd2RNQThxZ2loSWU0Q2ZkeEpfdi16X0Y2dVU2?oc=5) · Bozeman Daily Chronicle
- 2020-03-04 [Ennis’ Addison Oliver wins Madison County Spelling Bee - The Madisonian](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUTdJeVB1NjIySWdKOUdlY3hfU296MVdTRExnN2RNYkRrUnU3aDIwdnRESGFCb3N6LWZ5Q3B5TzhOYkhxM1dYaXRQUkFvTDgwRXl4TjZhOElEaWRHM1ZyN3dKWXRzN1hSVzNXelNmY3ZxNFZKLWVOMm80VXFCMjZDVWxBcjNyUFFCVHN0UnJCRTFFbjVsY0gzMF95bHlwdVZQTmZZ?oc=5) · The Madisonian
- 2026-06-16 [The circus is coming to Boulder - The Monitor - Jefferson County](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBleFN2aDY3OW1MS19ROTU5SVd3ekFBNDNGY21CT0lOMTBDWFJ3YVkxQ3QyQjIwcFl3YnB2Y3lUNmExSTJWOEUtZ1FXVzBmM25Tb3V5VDJaVE9SZzkyeGtOb2JYU0M?oc=5) · The Monitor - Jefferson County
- 2020-12-20 [Robert Hert Obituary (1959 - 2020) - Helena, MT - Helena Independent Record - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNM2pXeExHaUtXaHlkX09nblpHMHRLYWxhRU9hVFVhb1ViU0QxMnVSQjVaTk8xMWVUcEF4SC1na3lQY1h5UVQzSUpFN2xfT1BXVkZGNWY1VUQ5SFF1ZnVWdUZhaUFUQWdxYXh6VHAyOUxaUDhHYmsydVFIUkdJYkpyY3Z2MG1YRzZRNlE?oc=5) · legacy.com
- 2026-03-06 [Madison County Spelling Bee - The Madisonian](https://news.google.com/rss/articles/CBMid0FVX3lxTE5PUHdkTUFrLThnWVl6SUlhaGhkRDlGUE4tNjlSNnFKTkg5ZmNYQ3hxQVRVTW45andKNW1nSUdLLUVKNjJZX19XWkVvVlRMUGVjY3pxQXlXd1k0Z09YWjJkOThJejd1elZheTFLU3RKT0lGYUlKdkE4?oc=5) · The Madisonian
- 2022-02-02 [Robin Blazer Obituary (2022) - Ennis, MT - Helena Independent Record - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQWNWY1hReFRwQUtZYkdpMzNTM1MtWFJLanpCRjRtamhTLUowSXgwUHRsVXRIR1NrcThLNVFUY0xmRG9tODBjZ01KQ1FDdE5jWEY2bDBaN2xDeHloZExvNDVzSWF6TjUtLVNuX0JZRW1YSFFqbjNTT0htV3BOZ3lIVDNKS294d1JOazNLRA?oc=5) · legacy.com
- 2013-11-30 [Judy Roedel Obituary (1953 - 2013) - Ennis, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWmtWM3NRdjJiVGhqRlFfNnV0dFdjcXE1S3U3Ql84cndmWW4yaGFya2s2Rk5nX0VKdWhZRXdwLXpHd1lEZUhDM1B1ZHluT0RhTnJOMHNZVlN1ZGZpQUkzcHZ4b3hVY3FuUlNZZklTbk5pRkJ5cTNDdmtTR2U1NDBEZXVVQ2hvbkZZc1ZDaUtqU2FJREpjNU93?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19544 (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/24.json (key "19544", 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