# 1ST BANK
BROADUS, MT · FDIC certificate 22039 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $59.7M | |
| Deposits | $54.4M | |
| Loans and leases | $17.8M | |
| Total equity | $5.2M | |
| Loans / deposits | 32.11% (p9 of band) | 64.15% |
| Liquid assets / assets | 68.48% (p91 of band) | |
| Uninsured deposits / deposits | 17.99% (p48 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.79% (p21 of band) | 10.40% |
| Unrealized securities loss / equity | 0.00% (p26 of band) | 0.89% |
| AOCI / equity | 0.00% (p88 of band) | |
| ROA (annualized) | 1.75% (p82 of band) | 1.04% |
| Net interest margin | 3.35% (p53 of band) | 3.30% |
| Efficiency ratio | 48.28% (p9 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 30% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $437,000 (2.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 1 | uninsured deposits leaving | assets shrinking |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | charge-offs p90, deposits shrinking |  |
| 2017-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 2 |  | deposits shrinking, assets shrinking |
| 2018-03 | 1 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 1 |  | deposits shrinking, assets shrinking |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |

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

- 2013-08-29 [First Citizens Bank and Mountain 1st Bank & Trust to merge - BlueRidgeNow.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNWGpfTnNwZ0hjNFYza3NsbG1qaW43MGNmZ0FmdkM1OHZTTUZheFVOSXpaU0ZGMFFhVklFVWNjYTFnMnZSRF9IZUI5UHVCbVVhcTBfcGFJYnJJNjVINHRhWkV0LXk5cW1Od04xMkhZMWp0MEN1cTEtWi1YdGUtajNWTzBqUzFYMVpZMHU4QmVsWTZ6ZFV4bnJsWmFjUEY2Q1R2Q3lYNDFyOTVCUFlqSDRsU2M1VHpFSzZ2alJoUw?oc=5) · BlueRidgeNow.com
- 2025-11-10 [OneAZ Credit Union receives final approval to acquire 1st Bank Yuma - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdjFnOEpud0lUanZrV1pHM2VjT0RMZnZxYmZoODBlZTY0V0o0TGxaVUs3RmNobTdValNnTG5MeVRHR3Q4UEphM3dhTjE3YVRhZ3FFWXlJLTFWTVhwLW9PZUtuUmxtNWJoM2RfRFRXX2JJSkw4SG5URFRuVUZIZkNkRTZFc3VrUmtUNlJFWHNNNnd4ZnBOMjhQQ0lNZkdMV0oxcGg4M1hEYXJOLW1L?oc=5) · CUInsight
- 2023-05-25 [1stBank Center was a financial wound for the city of Broomfield - 9News](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPWEkwRWVQZVhMOWdJZWxYRDh4TG1FZzFjQUEwRHBLaVZfZjZ5Z0ROcWJKVElRaGpZcTFrU2ZodlNJNmU0clczWHc4azBxM1N6QzNCU0RIR0dBVFY3VlQ1UFFEQWphSWlfbS03MnNwQXJ0dVJJM2tFSTI1TU9JaFJKWnBVQ2xVVmZoQlNIRlpSLVRNU2l1UXU1Uk9vZzNTT3BMSHFWbVZnM1JMRmF5U0JFd2QzZU9UcUtUcEFoNGpsdmVmZ3pmSW5naGVhdUhlRUUwVElEQlhIWnA5eGpPNkkwTHpNQVJFSGdBbG1jYjNxTQ?oc=5) · 9News
- 2024-10-04 [Arizona credit union-bank deal pushes 2024 to new record - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVHVSTDFEX1ZueHNVYUE2elVjbDJ3dDlvZmRZcEFlQ0JscTQ2b1RJbG4wdTRjRFRDdzRYRlQya2lvS2UtS1R4OFhZc1hrOXR6TF9CYlBKaXI0UHN5U1V6d21GM2JONnhocTVtX0VyaFNFWHNDdklUeEVZSi1WWWQ0NmZhX3JPQmRhVXJ6MGo5M3dyVEY0M1JHeS1KdXhkVjVScVBxRlExX3NWYjdtZ0lpSmNtX0pEQQ?oc=5) · Banking Dive
- 2018-03-06 [In combination, First Bank of Wyoming will be First Bank - Powell Tribune](https://news.google.com/rss/articles/CBMingFBVV95cUxOMXJ4UUU4N20zM25oVUk3WlREdDdhaGlUb0JTcG1QSC1wVV83VmlXdTlxV2ZiTGtzYlpaOFV0OC16UDJlLW83eUlXaWwySzZVOGoxdWhtUDRXZThIRmd3aHNnVlhkcGxkOXJQa3VZdUttaGdjamFEX3BZNVFURU5YbHl2VDk3WFRLNVBBRndHWlVta1FXZHJrZlVRb0MxUQ?oc=5) · Powell Tribune
- 2021-06-01 [Mike Mayer’s big-bank experience pay off in a smaller setting - Business North Carolina](https://news.google.com/rss/articles/CBMijAFBVV95cUxPNC1UNTh0eUtxOHJkVFZzWlhNRWFwNWVQME9WamM1SExvUjlhS3RaTjZaczIzbWxzcWRGRmhOOGNuR29OVlV1ZFh3RlJkOG81QUxIc09lWXhNdzhUTXFOSEw5djZyWWVVdXNuRU1OcnlaUUpQQzhUQzBIZ2MtNC1HLTA4YU9GSGFycHJwRg?oc=5) · Business North Carolina
- 2023-09-29 [Photos: 1ST Bank Center Hosts Its Last Event - Daily Camera](https://news.google.com/rss/articles/CBMihgFBVV95cUxPY2Z1aEVvdlRqUEo0dmIyZlRsenp6cEZqclhOaDJaQ3YyWGpWQ1QwMlFDQzdOX3owNnU1Y1gwbFItcHVDS05CZWlBYzdrTU1TWHRYMmp2aUdqMmc2a2NKZHhROXFVa2pXTi11V3FYU1U1dHFjek8zN3dTOFZHYWh5TkRGX0F1UQ?oc=5) · Daily Camera
- 2025-11-17 [OneAZ Credit Union Receives Regulatory Approval for Merger With 1st Bank Yuma - CUTimes](https://news.google.com/rss/articles/CBMiswFBVV95cUxObHFpeHhRd1p4R0o0TVFNVmlTX3lNbExVamxwVDNvSGdTMElReVl0R2dXMm5FZW5RR1RGVzBZUkJad2xmREFqSFpPQnlyeXFMdHN5M0hXMGxBSjR3VWFqdE85Z0hSZERKQXdlM0NrRTlSVjZSS09VTnZERDJRR2xxc3BBdWtHVUUyeFpaZnB2LXZhaC12Y3NNQk1CQzV3S05QZy1Oa3IyMHMtTDFid2FmRnJMOA?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22039 (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/23.json (key "22039", 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