# ASCENT BANK
HELENA, MT · FDIC certificate 20162 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $104.1M | |
| Deposits | $92.4M | |
| Loans and leases | $82.5M | |
| Total equity | $9.5M | |
| Loans / deposits | 88.06% (p76 of band) | 73.59% |
| Liquid assets / assets | 16.25% (p14 of band) | |
| Uninsured deposits / deposits | 14.07% (p28 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.92% (p59 of band) | |
| FHLB advances / assets | 1.92% | |
| Tier 1 leverage | 8.69% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -9.14% (p42 of band) | -6.57% |
| AOCI / equity | -0.06% (p66 of band) | |
| ROA (annualized) | 1.24% (p55 of band) | 1.17% |
| Net interest margin | 4.56% (p78 of band) | 3.93% |
| Efficiency ratio | 57.58% (p29 of band) | |
| Noncurrent loans | 2.51% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.36% (p96 of band) | |
| Reserve coverage of noncurrent | 54.30% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 43.55% (p75 of band) | |
| Auto loans | $291,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.4M (15% of equity) (p99 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 1 |  | liquid assets <10% |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | losing money, charge-offs p90 |  |
| 2012-03 | 2 | capital falling | losing money, charge-offs p90 |
| 2012-06 | 2 | charge-offs p90 | capital falling |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 5 | losing money, noncurrent p90 |  |
| 2013-03 | 4 |  | losing money |
| 2013-06 | 5 | deposits shrinking |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 | uninsured deposits leaving | assets shrinking |
| 2014-03 | 3 |  | charge-offs p90, deposits shrinking |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2016-12 | 3 | noncurrent p90 |  |
| 2017-03 | 3 | capital falling | NIM <2.5% |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | noncurrent p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | charge-offs p90 | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | capital falling | charge-offs p90 |
| 2019-03 | 0 |  | reserve under noncurrent, capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | uninsured deposits leaving | capital falling |
| 2020-06 | 2 | loans exceed deposits, wholesale funding >15% | uninsured deposits leaving |
| 2020-09 | 2 | capital falling | loans exceed deposits |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 2 | reserve under noncurrent |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 2 | assets shrinking |  |
| 2021-12 | 0 |  | capital falling, assets shrinking |
| 2022-03 | 1 | assets shrinking |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | assets shrinking |
| 2022-12 | 2 | capital falling, uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 1 |  | uninsured deposits leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2024-12-23 [Hospital launches campaign to help children's mental health in Montana - The Livingston Enterprise](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOTkFxZHBzWFc5ZC11MXNKcG8xRHdBMXZTd3JrcDVRUFlseml6d0lDc0VfSnNkdUJFeEdPWlUxLUFlZnZnVjhVUGxQQ0FCRG5Bd1JKemNRZHNSNkFyTkYwUmtmUTdndkNSeFNpZ3k3MEotUkRVZ3ZXeUFSaGhYZzZzSmFCU3EwUTM4dkQwbzZLLVFmWUpJOVBLOFdNeUw1X01Ma0NJSEhUMGptbGd6REFQX2wwbWxYTnN5Y0hFUHpuLXpFVkRGSGNaRkE2QjlkUE5wLU1lSTJvS1l6YkhhQnc4dTdVdXRyTkc4ZDBoWm0za3V2NktZa3NJQndWMA?oc=5) · The Livingston Enterprise
- 2025-01-28 [Montana Children's Hospital Employs Book, Mascots For Mental Health Awareness 01/28/2025 - mediapost.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZURaMjRjWDM2dHNqRkx6R28xRzNiblZFdEpwTXdZMl9QZTN1U2ZfRktlTUVLRUJhNndGVU1LUVRWVEtwR1J5VnFjSHlZdE1peFY5OFBPd3BqdGFYRGpYampiR1FrMUdibnRLUm00VDdEZ2RkNTBDUlZxRzlVNzVWLW9fRXpwbVBhVl9FNjgybzB5UEF4Z2pQZkdYamY4YnVKRnlZcmJVXzdmdw?oc=5) · mediapost.com
- 2023-06-04 [Promoter Michael Dunjey ‘very likely’ operated Ponzi scheme - The West Australian](https://news.google.com/rss/articles/CBMixwFBVV95cUxNX192bG00UHJhZzRCcm42M1FCUzlkdlpEbHRuSWdVckwwZ3ZBWVVmd09GWEptRVdHSUszVjY0S0VzbXBCV0VyTXpLYXBzLW43bXBxblVJbmUwVV9yZFBVaTVzZ1VrZzFvallZcEg5dElVU0hoalFZWUhTMmlZaHA3bUVKX1hXREFybUtYaWFjTnA3SWY4TkVBb3Z2Qm5lRDc3aUJmWGw4dzl6RWlMLW9pRHh4Y1JkWXZiWlVZcGhvN1ZzMDVUZ3pB?oc=5) · The West Australian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20162 (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/2.json (key "20162", 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