# FIRST CITIZENS BK POLSON NA
POLSON, MT · FDIC certificate 21478 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $16.8M | |
| Deposits | $15.7M | |
| Loans and leases | $8.3M | |
| Total equity | $1.1M | |
| Loans / deposits | 51.93% (p18 of band) | 75.62% |
| Liquid assets / assets | 45.26% (p75 of band) | |
| Uninsured deposits / deposits | 0.21% (p1 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.37% (p1 of band) | 11.43% |
| Unrealized securities loss / equity | 2.31% (p76 of band) | 0.53% |
| AOCI / equity | 1.57% (p84 of band) | |
| ROA (annualized) | -1.87% (p2 of band) | 0.92% |
| Net interest margin | 4.11% (p75 of band) | 3.67% |
| Efficiency ratio | 180.27% (p99 of band) | |
| Noncurrent loans | 0.10% (p26 of band) | 0.57% |
| Net charge-offs (annualized) | -0.21% (p2 of band) | |
| Reserve coverage of noncurrent | 2337.50% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 79.24% (p91 of band) | |
| Auto loans | $264,000 (3.17% of loans; DQ 1.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 6 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 6 | capital falling | assets shrinking |
| 2012-12 | 6 |  |  |
| 2013-03 | 5 | assets shrinking | charge-offs p90, capital falling |
| 2013-06 | 8 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2013-09 | 8 | capital falling | charge-offs p90 |
| 2013-12 | 8 |  |  |
| 2014-03 | 7 |  | capital falling |
| 2014-06 | 7 | charge-offs p90 | uninsured deposits leaving |
| 2014-09 | 5 |  | assets shrinking, deposits shrinking |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 7 | leverage <7%, capital falling |  |
| 2015-12 | 7 |  |  |
| 2016-03 | 6 | uninsured deposits leaving | expense ratio p90, capital falling |
| 2016-06 | 7 | expense ratio p90, deposits shrinking | uninsured deposits leaving |
| 2016-09 | 6 |  | deposits shrinking |
| 2016-12 | 9 | capital falling, deposits shrinking, assets shrinking |  |
| 2017-03 | 6 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2017-06 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2017-09 | 12 | leverage <5%, deposits shrinking, assets shrinking |  |
| 2017-12 | 12 |  |  |
| 2018-03 | 4 |  | losing money, noncurrent p90, leverage <7%, expense ratio p90, capital falling, charge-offs p90, leverage <5% |
| 2018-06 | 3 | expense ratio p90 | reserve under noncurrent, assets shrinking |
| 2018-09 | 5 | capital falling, losing money |  |
| 2018-12 | 4 |  | deposits shrinking |
| 2019-03 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2019-06 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 6 | leverage <7% | assets shrinking |
| 2019-12 | 8 | leverage <5%, assets shrinking | charge-offs p90 |
| 2020-03 | 5 |  | capital falling, leverage <5% |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21478 (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/38.json (key "21478", 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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