# ROCKY MOUNTAIN BANK
BILLINGS, MT · FDIC certificate 20310 · asset band $300M-1B · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $697.1M | |
| Deposits | $634.1M | |
| Loans and leases | $416.8M | |
| Total equity | $48.9M | |
| Loans / deposits | 64.58% (p25 of band) | 78.66% |
| Liquid assets / assets | 34.91% (p67 of band) | |
| Uninsured deposits / deposits | 24.66% (p48 of band) | 25.20% |
| Brokered deposits | 10.06% | |
| Wholesale funding | 10.97% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.24% (p26 of band) | 10.26% |
| Unrealized securities loss / equity | -48.66% (p23 of band) | -22.52% |
| AOCI / equity | 0.11% (p37 of band) | |
| ROA (annualized) | 0.54% (p18 of band) | 1.06% |
| Net interest margin | 3.63% (p57 of band) | 3.48% |
| Efficiency ratio | 68.62% (p60 of band) | |
| Noncurrent loans | 1.03% (p87 of band) | 0.23% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | 170.86% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 87.38% (p73 of band) | |
| Auto loans | $1.8M (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.7% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **securities losses >30% of equity** (`cap_secloss`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 2 | capital falling, charge-offs p90 |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 5 | brokered >10%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2022-12 | 3 |  | brokered >10% |
| 2023-03 | 1 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 5 | brokered >10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2026-05-22 [Billings school district's offer for former Rocky Mountain Bank building rejected - Billings Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWmQ4VTd0UnM4eGYxLXNhMHBsZWo5LTc3djFPR0ptelc5MFllVDlkTmotRW4xdmgtdEVyMGVRQXdRd2FpZzVJWVlMdWZEVDE5M0hnT2wzano1ZWhqcjN3NjJ2QU9TY1NTekhCU0JMT3d2dFZRUUVHZ09vU1B6QzRfTURDU0NFMDBRU2R6V0U3YWpveU1HTWN6SnQ3MFQ1Vzg?oc=5) · Billings Gazette
- 2025-12-09 [Billings Public Schools looking to buy downtown building to expand healthcare program - KTVQ](https://news.google.com/rss/articles/CBMivwFBVV95cUxOc25ENTNpdGNwM1RjN3VtNkdJbERKQ1JEOWhZc0ZVcWI3cGs0cEFnU09UajBhaXBSQlpKV3Jid2RTWHZDNFMtVVZQSmlER2g4VVczazNYdmRSTFVvNlFhVGo2Z21seXVEbTlwRlpNeWp0RU45MlB4YzRiSnNacHhScGZKYjFGd2VuSmZHM08wY00yYl9nNXhyUjBlWDZPeTdDNmJFLUJCLVRpT1YtQncxU0N5ZlhnUk1nVXNYeXRzOA?oc=5) · KTVQ
- 2024-02-15 [HTLF sheds its Montana footprint - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxPZFBHUmZ1VERNZzZoVktmRWt6LU9DV2IwZ2VfcTFUVVdEcXdmaWg2Q0JlNDh3N0hYOWtyZ2gxSEJ1bTNIeEdQeUR3cXFZd25QR0ZLY3VkWU9qdGJzUzViTmlQWklwcmRiRzVQcVZzbTdDMkRTd0pic1BPUVNfSGxMV1IxNGZWQlJ2OXpqNG82YVhCOE5EQ3NiM185UWF1UQ?oc=5) · Banking Dive
- 2026-03-24 [School board submits formal letter of interest for purchase of Rocky Mountain Bank - Billings Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxNaVhTOTJ6aWc4UE14UUNOeHItNnlpVUJ4V05sc052UEhmcU1IWGpsM1F2bjkwTWxldTdwN0h1YVVEbFF3Vl9xZ2xjZ2pvdTRPUS1jNmVvQ3Y4bGZUYXJHZk5BNzNOSmI1QjhQM1E5SEVIel9WM1piZUFVTTlZQW5iNzZCYXlQQ29rMGRRcGdLeUVmSlVvLWRwQmZuOXloVzA?oc=5) · Billings Gazette
- 2024-02-13 [Stockman Bank acquires banks in Kalispell, Bigfork, and Plains - KRTV](https://news.google.com/rss/articles/CBMirgFBVV95cUxNMnpWQ2VVUkk0aUhzWU1uRkdnbF9GaHZQMWlmSkpiX2VBbGhvWVVjcDA0YjVfem4yalI1UERXMGpxVXlKRnk2bWtYQ0cyRDNhZXZmNXhFQ0c5clAwYjEyNkdDSjRzNEtNSFhyc2w1N0Y4RkhVSF84dHg2OFZWVWYzQ1RFTGFpd0p1cVVCb1RwRDdISTVFSmtJLVJ2dlp6VFhWd3lEdmxVWDZiRng4R0E?oc=5) · KRTV
- 2024-07-23 [First Security Bank now open in old RMB’s Stevensville location - Bitterroot Star](https://news.google.com/rss/articles/CBMinwFBVV95cUxOekJXRHFDVXRhNnR5dWlvOXhLNllUczM2Yy1ZOGU2VHZheF96MWc2WXJNNnBqMEUzN1dmakRNUWk4M1UwOEhYazF2LV92NXlaVUY0ZlVSQzVXR2xwTllwdWllaTJENl9kUEdmUUdFdTB5QlRVVGtpV3dzU2U1a2VzYjY1RkFDSFFrYVljdk5sellRVWpwRlE5czJQS1MwdWc?oc=5) · Bitterroot Star
- 2019-11-22 [St. Vincent Foundation's Eva Project Receives Donation from Rocky Mountain Bank - Intermountain Health Newsroom](https://news.google.com/rss/articles/CBMitgFBVV95cUxQT25JU2pWYnNzT3BNTUJNZ1M0NnFZUDM3WklXVlZtMEFka3ZiZFFUbUZyTUVPNFg1dEtaYWswMnFUQ2JWdm40M3NxLUNNZ3dycmlfYUpidmJPZk9EanF4eVc4LXZzM1lIVUk4a0piSVJUWnhsQUg5Z2t0Wnd1OWN3M1haTm0xS3VQOXVwdmRtRHRnTXQyd1NTMG5zdDZZeGFkc2drMjhGSXV3UkxsYloyekFWbU5Bdw?oc=5) · Intermountain Health Newsroom
- 2026-02-19 [School board informally advances purchase of former Rocky Mountain Bank building - Billings Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxQX0pUeGpvdU9ycEI4ZDJNdWpCQXFxam85d3RHbXJZekpkMUdxcGtvTGZsc2gwR19OcHhuS2NoRTgtU0x2bUY3aWZRUkYyZlRhYlFCekhFTDdNSkxKQ0NudWhFOWZWM2hXdGJubU05RU16Y1YtNEZNNW1DODBsMkwyVldNQnd5bUZ5TENCbXJwemVHTHRoRUp0bDhOV0tyQnM?oc=5) · Billings Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20310 (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/22.json (key "20310", 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