# AMERICAN BANK
BOZEMAN, MT · FDIC certificate 20311 · asset band $300M-1B · 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 | $630.4M | |
| Deposits | $564.0M | |
| Loans and leases | $396.5M | |
| Total equity | $59.3M | |
| Loans / deposits | 69.13% (p24 of band) | 82.04% |
| Liquid assets / assets | 31.43% (p67 of band) | |
| Uninsured deposits / deposits | 30.25% (p67 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.12% (p57 of band) | 10.81% |
| Unrealized securities loss / equity | -16.89% (p28 of band) | -8.10% |
| AOCI / equity | -1.04% (p21 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 4.11% (p61 of band) | 3.91% |
| Efficiency ratio | 66.05% (p64 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 87.26% (p81 of band) | |
| Auto loans | $74,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 78 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | liquid assets <10%, losing money | reserve under noncurrent |
| 2011-09 | 4 |  | wholesale funding >15%, liquid assets <10% |
| 2011-12 | 3 | expense ratio p90 | brokered >10%, charge-offs p90 |
| 2012-03 | 7 | capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 6 |  | capital falling |
| 2012-09 | 5 |  | deposits shrinking |
| 2012-12 | 6 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2013-03 | 7 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 4 |  | losing money, deposits shrinking, assets shrinking |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 |  | expense ratio p90 |
| 2014-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | construction >100% equity, capital falling |
| 2020-06 | 1 | construction >100% equity |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | deposits shrinking, assets shrinking | construction >100% equity |
| 2026-06 | 0 |  | deposits shrinking, assets shrinking |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2025-09-30 [Native American Bank Opens New Branch in Tulalip in Northwest Expansion Push - 425business.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPMnQtelRpSUtWSkZEWnRYRHZoRTk2c3NBUkc2bUduU1FWV0Z0d0lqdVNLQ2NvWVZhVGJVSXl3VHIzWm9HM251MGhvOGIwWmlfVnZqX0xSdDlwMlYydkI2YWFEejMzcW1BZGt0d2xKUG8zUmF3YS14aXNNZW1IbktZS3RVUFBGamUzMEs1UzZ3c3FpWHFDdnc1OXRPcS1OdFJzS3A1T0hTSVB1ZUlaSDQwRVBOWkdNWGlSVUpmVGk4aw?oc=5) · 425business.com
- 2025-10-02 [Prosperity scoops up another Texas bank for $269M - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaHJ0QXBBV09fMC1nOGtPVlZvdDJIWDFlR2NGa2w2WTlmaGo2VHZ2LVRLQUZpV2pZVzY5cGh2R3Z4TU1LUkYxY01HQ2ZxbGhCVFllaWxSN1ZOUXQtekkzekdIMFFmZDc0aHJDQXJEWGVkRkU3NFRNX1JMejlUVHRCU2tqZEJZeEgzSzV3bjg4MS0xMUs3MGFYaA?oc=5) · Banking Dive
- 2025-10-17 [TD Bank Announces Key Executive Appointments in U.S. - TD Stories](https://news.google.com/rss/articles/CBMikgFBVV95cUxOT2pLSXBJX29VMDFUVndxalpzQzR0enEyU2RPTHVWRjAyb2N5blNtcE11ZWZvekV4TFA5NFFqVUNINjkxVGNwNzFSZ05fbFBUSnJic09tUHU5NktGSVoyU0h1UExOb3ZJVWE1Nm5aR3ZPLTRxT044VngzYWJ4YWk3N0xaeHFITUx6ZDFJWFhqLU5yQQ?oc=5) · TD Stories
- 2021-06-09 [American Bank Center Announces Name Change - Business Wire](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZWtZblU2WnVZVE1kN3hnZjVORHBHdWpSck5qczBzWUU3NmlJZy1nWlYwYTQ3Q09fRHdOVWFTMzVkd1VWOUM0enlKeVJBWUtKT0RlY25uekUyWWsyVVZZNDNPdzFhcXZicnhCYUNyckZxNU1IR1dqQkloMlp6M0ZOaEpaUEtHY0g0RkZ3UjZTYzhKMnQ0V0tlNkI5V0NFUHVS?oc=5) · Business Wire
- 2022-01-15 [El Paso's United Bank being sold to New Mexico's First American Bank - El Paso Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRkFjYXJONXFuOG1SOVhNRXVzQnczSjlka0Zpam9yTzVPNjR2Ynd6aUl6YzFjYTRobW5XbWRnQ1lpLUFFR0Y2aTBQTGh5N1lyOTBuOHZvMzZxU1czTi0tMmV6RzhzTHpYN1NhSi1pR3ByaDBVWjN2VHpSdDg1OGVGLWRxTUlOWXkxSnBncjJqZzkydUdhYlhZVU91RUItTnl3ZkVPSGZsbzZtaDhJM19Rc3RQdWZraC1id1AyVA?oc=5) · El Paso Times
- 2021-06-23 [Native American Bank lands significant investment - indianz.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOdVNRNzlUQmkzVUk1ZlZpbDBjeXI1V044M3VIMWptb0NlRjBoUjZORU5sVUlwTnVtT2YtMXh6YS1mTGtkU3pXMm5tY1dQQXVtRWhiNXRYUGZZOUtjd2k1YVh2QzdpZzZnYzlmX2EyU29fNkpNQ1lVY0IyOWhtZnVoMmw3X1NGMTlWd0JsUnU5WQ?oc=5) · indianz.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20311 (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/23.json (key "20311", 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