# MONTANA STATE BANK
PLENTYWOOD, MT · FDIC certificate 2201 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $83.1M | |
| Deposits | $73.4M | |
| Loans and leases | $35.2M | |
| Total equity | $9.5M | |
| Loans / deposits | 47.93% (p15 of band) | 74.46% |
| Liquid assets / assets | 52.40% (p83 of band) | |
| Uninsured deposits / deposits | 16.79% (p59 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.27% (p23 of band) | 10.76% |
| Unrealized securities loss / equity | 0.22% (p85 of band) | -0.86% |
| AOCI / equity | -0.02% (p79 of band) | |
| ROA (annualized) | -0.24% (p5 of band) | 0.85% |
| Net interest margin | 0.72% (p1 of band) | 3.68% |
| Efficiency ratio | 64.34% (p29 of band) | |
| Noncurrent loans | 1.23% (p69 of band) | 0.62% |
| Net charge-offs (annualized) | 0.39% (p94 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $949,000 (2.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 1 | uninsured deposits leaving | NIM <2.5%, reserve under noncurrent |
| 2015-12 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2016-03 | 0 |  | deposits shrinking, assets shrinking |
| 2016-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 | expense ratio p90 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 4 | losing money, NIM <2.5%, charge-offs p90, reserve under noncurrent | expense ratio p90 |

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

- 2024-01-24 [State-run banks: a movement driven by unusual politics - High Country News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQd28xVjU2ZDRwdnRMNThRRldRWU95QjlidVNXZWNzZ29ZaW5wUDlvUTNvZlhpaHpDS2pXODlucW9yN25JOVgtSzkxVUZFMnVtTEtmaUVOS1F4ZjhkRWJUV2ltSEpiZjVwRXZ6X3dsQUw1ME0zajVaUkxfZkd5a0RBUjZUN2p6QV9tbUdieDlGcms?oc=5) · High Country News
- 2016-02-05 [CBP to Hold Plentywood Town Hall - U.S. Customs and Border Protection (.gov)](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaVNKYTlEdlRuSk5MVFdyUWNja0lUNjRNYkN2R2FhRFd2UFpSRGtIakp0LXFVR1RkbEwwbU5helBQb3ZaZTYwOEtvRGhlYVhYR0xWd2Nzb0gyVjFpeGwzWnIwa3BoSzVTdG1sOE1MaWdGQWtRS0JsZkZWYWU4VFUwdzY1dzE?oc=5) · U.S. Customs and Border Protection (.gov)
- 2007-06-25 [Mountain West Bank - The Independent Record](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUWR0ZUFhVHJQcndCYVhZUmx1bXNMS3pjZVkzSDB4TUlocmJOdFluRmdULTVvSmxaWmMtVGtrV3Y0UzVYY25WUk0zQllhZ05hVnVDdEMzbGhocHVrNjVNRE1xdUxjbHJWcjZQRTFjX1Nicm50UFBVa2pxMTJmMkhUVkYwN0VkLTRzdkgyampSUQ?oc=5) · The Independent Record
- 2015-05-27 [Lincoln Ranger District to unveil new grizzly bear “den” - Great Falls Tribune](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbmxrNGlBQy0xaUdxMWxleVloZHhfZm1ueUdBUkJKei1XWEFBdEVxRmEwQnF0YWs3bTl6S2lWZ3U5YnF1ZGFNVWZRQU0wME1ZWXBfeE03UDU0LS1seGRGZ3dpNGtvZlFaU29RRHdqYkxrcmpNZDAxM1JaSGp1dFk5a3U4Nk1pdk9MOGVacjc5RDBrTzhJVGM4ZHdmVDJSSmpqZ1pZOVk2dWpJVHVRSjVnVVF4M3E1dzNpWDkxZXhB?oc=5) · Great Falls Tribune
- 2006-10-16 [Richard Berglund Obituary (2006) - Billings, MT - Billings Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMimwFBVV95cUxOc2pSbDhwUUV1bUQ3a0NNREJJVGd0SWRabnVhNDVxS296QjEtV1oxaVFTYjZPanpQdWZ1YUdhQzNkV0pxMXF3WjlaeDU2VFJfQXBYamlFMWRfQzlINW9hc2tPbG5iSXNiTlNCSzlVeFNoX0ZCYmRwaEJWUUR5SFJRZmRGMTRXMHdPdVF3U1ZPYTFhQi1ZZEtSQ3hwVQ?oc=5) · Legacy obituary
- 2006-06-10 [Barr Zeidler Obituary (2006) - Billings, MT - Billings Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxPT1pIeFh6cG1XdzNnNUZtMjRXRnJwWi1RYVo5LUdnT3Vtdl9POHJCT19RaDJ6aUZGWGtOb3NjNjFZaW9RWUxhUjlQNHBxY180aDhvVVUwZjM2SlpPYWZuQU1jRXY5MFp3MmNBeDFia2pSUEtyTXBzTFI4NGdrbDNsTVVuWUhvZ3RXN1V4czFnUlRzM2RYcHc?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2201 (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/25.json (key "2201", 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