# THREE RIVERS BANK OF MONTANA
KALISPELL, MT · FDIC certificate 21557 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $293.1M | |
| Deposits | $257.9M | |
| Loans and leases | $247.6M | |
| Total equity | $33.7M | |
| Loans / deposits | 95.02% (p87 of band) | 73.59% |
| Liquid assets / assets | 9.33% (p3 of band) | |
| Uninsured deposits / deposits | 18.10% (p44 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.72% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -4.60% (p59 of band) | -6.57% |
| AOCI / equity | -0.27% (p55 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.17% |
| Net interest margin | 5.27% (p94 of band) | 3.93% |
| Efficiency ratio | 65.07% (p48 of band) | |
| Noncurrent loans | 0.93% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 111.26% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 87.62% (p92 of band) | |
| Auto loans | $2.3M (0.91% of loans; DQ 0.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2025-01-31 [Three Rivers Bank of Montana Announces Strategic Alliance with Merit Financial Advisors to Launch Wealth Management Division - Flathead Beacon](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOLXlFano4aGVSVEpzd1VrVmZjekhleXVoZ2lqSFoxM1VzSTRmeXhFMS11eHlfZmlkajlncEVqOGpQS3Z0Q0ZqMEdDRlUxN1VXLVRkQ3RqLWF3dHZDT2pDTFNWRFZCU2szTHZLTEhvdUFpVmNHemVMeXZmMTY2SnNxaTEtVVJ3WFhhTkRPWXJoNC1aSklsdWt3LUV2UGJXT2V0bXUwa3dsVWNOcFJSeF80UF9XTFZtUC1BbjlyXzBiQU5KUXRhUXdYTFhLSW9HUVpmUXRiLUJGMURrQlo3NTFyWjFmbkd0S2VrTDI4NHJRMjhfODlqenc?oc=5) · Flathead Beacon
- 2023-09-17 [Flathead Business Newsmakers - Daily Inter Lake](https://news.google.com/rss/articles/CBMifkFVX3lxTE1pb1ZQQ1FsUTM2bFEzVWh1ZUtma0pqT2FWaFRsYjk3ZUY5OGtaei03dWFSel9pRjljSThiWjJMQnNSUTZZclJHQnhiLU1HWEttdVdFMktEeG9KV2ZLenNnREhiYmNxUzE3NUVrczY2U0Y5RkpuQjNLUGRIR05TUQ?oc=5) · Daily Inter Lake
- 2026-04-30 [Tickets now available for Rodeo Montana in Kalispell - NBC Montana](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbHFfUzZoYktuX0ZTTDV2aUdBT3JyZm50dkZuZXZlenRhd1dxNUh3VmtXVHV1QVVCUVlxUm5BbkRWdmczT2pCa01mOHc4Nno1Y2ppU04zWlhGS29nSHU3LUVUVFNockhOWGduZGd0RGVmanJxN2VKaHRaeXp5cFZxT1JQeGl1YnZYd0NmQVJhVQ?oc=5) · NBC Montana
- 2019-02-16 [Jack King remembered for commitment to community banking - Daily Inter Lake](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRG5UZ2g5NjJXNFl1M3JLcG9SQzdWMFo2SGRCT1AxaWtYWjhSSjFQbFU4aHQ2WW1JS2ctUWFVcVFFSnAzbFFBQ2pZUV8tOHlzMHo5UVpKUE1IanZPREdQRE53SlpQRGJpU2xyc3VzNll5bzhnMnpSQ2pJekRCTEZwenE2UEY4THl5eFFWZzFB?oc=5) · Daily Inter Lake
- 2025-10-24 [Kalispell Chamber Hosts the Grand Event – ‘Charting the Course’ - Flathead Beacon](https://news.google.com/rss/articles/CBMinwFBVV95cUxNRXRETU5SbHlLTlhOZ0Zwb0ZydmV4cUJndXlqYUdNNFlmT0YzMzc4SU9nRFNuU2V4WGhoa3ljT3hkREo3UzZIMF9ncm9jSDFvSmRaSHo3aUswUm9IdHFWbnRnT3d2d2NqY1U1NmxLa0MwQjZQWlQ0RF9DT0N5dVJwMVl0eE85amxnOUpvRFZ4bmQwcGxaaWhLZGl2ZkJKdmc?oc=5) · Flathead Beacon
- 2026-07-08 [Tickets on sale for 2026 Northwest Montana Fair and Rodeo - Whitefish Pilot](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZWNCWGY1X0dPWlh6T2J4eTQ0YTRYQXlLaERVVGpkSndxM2sxS0U2d3hSb0pvcWVOQ3dDZldvN1hfdTltbzFycTFocFFxMlQ1Wk9jWmtmV1pidkx5UGx1TTU0YldsTkZtSzdPS0hNMnFBMGh2S3p2UGFWenVpUnhXenQxVkczTXRHakJQQnhodV8taTRzOEozRWJwVFBxby1td3ZHdA?oc=5) · Whitefish Pilot
- 2024-11-05 [Kalispell Chamber Hosts 119th Celebration with the Grand Event - Flathead Beacon](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZFpuV04yVVBMaFNzbWowaG9kV3JZak9QNGJIbzUzdDZ1RHQ4ekdjUTZiLTJpVUZCTEJVVGVNU1o4VlA4MHNHLTFLYVI0Z21IWHhUX2Q4dmsxdlE0ckh5S1ZTZnNqUHFsZkxWRWRidVZMMXlkSEx3T29YdlZhZ1FMeVhuRWhjNWN2X2I1N3ozUkdNb01UMVBBaXlNTTd4dGtib2lFUW9B?oc=5) · Flathead Beacon
- 2017-04-09 [Bank lends a hand to small businesses - Daily Inter Lake](https://news.google.com/rss/articles/CBMijAFBVV95cUxQX09tcVQ2Z2FtU1FQdV9CX1dqdXhhSFdmRUdtMnlJMDkyUzFkTFZwTU9EWldIbVVlWDhoMTBEMXVzdjNxaTZhcE1vMDlGX2xyYnBqX3M3S2JrSjJnelh4ck1qYm90SE5FbGpHTExETWJseTFzTlNudHJuZEd2bkZZOVUzWlVxdGYtV3JNag?oc=5) · Daily Inter Lake

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21557 (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/53.json (key "21557", 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