# FIRST BANK OF MONTANA
LEWISTOWN, MT · FDIC certificate 2191 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $279.9M | |
| Deposits | $177.6M | |
| Loans and leases | $114.3M | |
| Total equity | $36.3M | |
| Loans / deposits | 62.76% (p40 of band) | 67.95% |
| Liquid assets / assets | 52.57% (p80 of band) | |
| Uninsured deposits / deposits | 17.75% (p86 of band) | 8.38% |
| Brokered deposits | 7.85% | |
| Wholesale funding | 30.73% (p99 of band) | |
| FHLB advances / assets | 19.02% | |
| Tier 1 leverage | 8.37% (p20 of band) | 9.95% |
| Unrealized securities loss / equity | 9.38% (p86 of band) | 2.77% |
| AOCI / equity | 1.26% (p95 of band) | |
| ROA (annualized) | 1.50% (p83 of band) | 0.78% |
| Net interest margin | 3.33% (p26 of band) | 3.77% |
| Efficiency ratio | 30.96% (p1 of band) | |
| Noncurrent loans | 0.24% (p20 of band) | 1.40% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | 1041.01% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 2.06% (p21 of band) | |
| Auto loans | $1.7M (1.52% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $841,000 (2% of equity) (p98 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | brokered >10% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | brokered >10% |

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

- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2025-01-13 [Glacier Bancorp buys Bank of Idaho, folds it into Mountain West, others - BoiseDev](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5RM2pRQXh2OGh6OE1hLXpzRmNLNEVHU1BqZUJSdUhsZVI2cWFFYUltdDR5aTBqV3BHWFoyQTJjaGdYOVFsVVJWSVBuemZ6QlNXcDFndUNoWjQwNEt1c0FTLW9fT3Izd3M?oc=5) · BoiseDev
- 2023-08-09 [Wheatland Bank to Join the Glacier Family of Banks - Lake Chelan Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxORHBHUVhKdmprQWRrRjFqV3IzY0RPbWp1andjcUNQVjItekNFQzR0azlwRDZwbkdlbnhnNldOZ1JnLWYxaFJ3Z0ZjNXZoeGJ4S0dfd19EWDVpdzNoY3gtVE5aOWpCaVg5TWExMEZhWjVOZm55U3pRVjExS2ZjaXNuLV9nMA?oc=5) · Lake Chelan Now
- 2025-01-13 [Citizens Community Bank's holding company to acquire Bank of Idaho - Idaho State Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPazJSWVFyWTdaV2dseWdsbndNSDViVTNMazFUQWNTVnQybkFpbWVpaFgxWEFFamstcFdSZllmNGhaS3U2cXhmR0JfUkFRVEJObVd0QzAyZC1vZjJuWHQ5dVUzQ3dobERwZWlfUVFxNDhRMWpsd2tWVVJ1WXNfQ19OMmpWMHBFVkgwQUtYNFhnOEdPZENzRXRzU1FCa2JxX0Q4WkFFelpYdEhfOEM3RXVFVEdhZHI4T1RBNXMySFVoSy0zX2FzZVdtUTRNODNQc3U2NHJHQTB2TVFtVHNzMXM5TVhRR2QtaXZmODEyQ0hsSUJJUQ?oc=5) · Idaho State Journal
- 2026-07-08 [Choteau Fourth of July: Schedule of Events - Choteau Acantha](https://news.google.com/rss/articles/CBMijgFBVV95cUxOX2NxQmgyOWZNR05KNkJJcmxrSW96cEZsRFFPa0tVRTJuNlBkOUVVSWdSWlRRZ2lBZk9zZmVLOFhXVDdQYzFkNU9Ga1gzZ3loUHAyYjBoUlJNM3RrT21ua1FXVThfemFRTkMxQ2VkUVJMbE1uMU1yRVl1emJRVnp3bHkzUUZLT0d4ajN6RHNR?oc=5) · Choteau Acantha
- 2025-04-24 [Glacier Bancorp (GBCI) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE05Z1ljOU82VVF6S1h0LVY1NFVGMzZXSnp1Y244X0xqSl9adGVxNlItNjVqREJ3ZDZwMGdKT3pFeUViMVVjMzM5V1h6Ui1RSUdPSDlR?oc=5) · stocktitan.net
- 2025-09-22 [Glacier Bancorp, Inc. Declares Quarterly Dividend of $0.33 per Share, Marking 162 Consecutive Dividends - Quiver Quantitative](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPaV9yQkVfVnJGSWs4c0p3SnNNcDREdVNzN1FDem1fSVg4OW9CaHlLdGZCaVcxM1FxMFVkZ1d6M19iMEtZOHhDMXlsRWoyVDluSUtlMmpVSnlJRWZpY1BLS1VpZlpXbDAxOFdWUUxuaV80OGx0QS00UWZxbndVeEdUeFNreUFVRjd3Y0NsY0dTcU1SeHZOQzlEMzVtTlNqaVpJYV9RYktEQmQtMVBJNXFDVjROblRQWWVlMTNPS3M5SlNrUFc0VHNBMEYyeEpnQ2UtMUpRVTU1WVdCZw?oc=5) · Quiver Quantitative
- 2025-04-15 [Fort Benton preps for 2025 Summer Celebration - KRTV](https://news.google.com/rss/articles/CBMingFBVV95cUxQeVZaa0d2cXhXRUJXT2dGdFYtQWFvNy1mVHNmY0x0eFNoTmZwTGYwaXVuX1B0WDBNOWRXd1B3R1NWNWNRZU92eGpSMEhkT3g2TVRqUnlmVmlVM0hLWnJWR2NlYlM3LW9PUmp3YVBFb21IWFVNYUxBU0puOXZNODRSSjRrMjd3cC1ia2JPY3JrbGJoQ0ZJR2xuX1BrQ0FMdw?oc=5) · KRTV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2191 (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/15.json (key "2191", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide