# RUBY VALLEY BANK
TWIN BRIDGES, MT · FDIC certificate 2203 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**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 | $95.6M | |
| Deposits | $81.2M | |
| Loans and leases | $56.9M | |
| Total equity | $14.3M | |
| Loans / deposits | 68.41% (p37 of band) | 75.88% |
| Liquid assets / assets | 39.46% (p67 of band) | |
| Uninsured deposits / deposits | 10.78% (p29 of band) | 15.42% |
| Brokered deposits | 0.72% | |
| Wholesale funding | 0.72% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.57% (p87 of band) | 10.88% |
| Unrealized securities loss / equity | -3.58% (p14 of band) | -0.66% |
| AOCI / equity | 2.18% (p92 of band) | |
| ROA (annualized) | 2.68% (p97 of band) | 0.85% |
| Net interest margin | 4.75% (p93 of band) | 3.74% |
| Efficiency ratio | 52.18% (p8 of band) | |
| Noncurrent loans | 1.10% (p68 of band) | 0.56% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 208.35% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 6.83% (p32 of band) | |
| Auto loans | $569,000 (1.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 4 | noncurrent p90 |  |
| 2013-06 | 2 |  | uninsured deposits leaving, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | capital falling, charge-offs p90 |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |

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

- 2017-10-09 [Ruby Valley Bank acquired by publicly traded Helena-based company - Montana Standard](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMU8yN1hjSm1iM2hORmozYXFpaVhEU3BLbGptbTdqd2dtcXVCb1NxZDk5MXVqUmpXVWZMMExRTVhBU3hobE80dWtGM1l1YklOR3h4Q2Jldnc3eGthb0V4dGtUWXR1TzdnLXNjMGxGZ3V2Wldmc2N6eXNhZ0M3ZnRxVWM1Y3BhSHFH?oc=5) · Montana Standard
- 2020-05-06 [MT HOUSE DISTRICT 71 is up for grabs - The Madisonian](https://news.google.com/rss/articles/CBMib0FVX3lxTE1vV2VQdGhWRFVCS21NaENIVHpiYzZiVUhxd1Y4eUFvZ2dtSURmVzh6TENXMnY5LXlLNTdYU1gzd3RHdGhoUkV6OHM2V1hHNzZ6LXIzcl9qM1I3S1IyTi1fQVdFSkNOSWpmMnpodFZvRQ?oc=5) · The Madisonian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2203 (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/27.json (key "2203", 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