# BANK OF THE ROCKIES
HELENA, MT · FDIC certificate 2205 · asset band <$300M · latest filing 2026-06 · live

**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 | $277.4M | |
| Deposits | $229.5M | |
| Loans and leases | $213.2M | |
| Total equity | $26.1M | |
| Loans / deposits | 91.90% (p82 of band) | 73.59% |
| Liquid assets / assets | 20.26% (p22 of band) | |
| Uninsured deposits / deposits | 14.89% (p31 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.03% (p79 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.37% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -18.68% (p25 of band) | -6.57% |
| AOCI / equity | -0.19% (p60 of band) | |
| ROA (annualized) | 2.01% (p86 of band) | 1.17% |
| Net interest margin | 4.94% (p89 of band) | 3.93% |
| Efficiency ratio | 62.11% (p41 of band) | |
| Noncurrent loans | 1.06% (p72 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p88 of band) | |
| Reserve coverage of noncurrent | 101.06% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 72.54% (p88 of band) | |
| Auto loans | $2.4M (1.12% of loans; DQ 2.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 64 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | expense ratio p90 | charge-offs p90 |
| 2012-06 | 3 |  | capital falling, expense ratio p90 |
| 2012-09 | 2 |  | losing money |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 5 | losing money, expense ratio p90 |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 3 |  | uninsured deposits leaving, losing money |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | expense ratio p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 | noncurrent p90 | capital falling |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 4 | capital falling, charge-offs p90 |  |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 2 | charge-offs p90 | noncurrent p90, capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | noncurrent p90 |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | reserve under noncurrent |  |
| 2022-09 | 0 |  | capital falling, reserve under noncurrent |
| 2022-12 | 1 | reserve under noncurrent |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | capital falling, charge-offs p90 |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2026-06 | 0 |  | charge-offs p90, reserve under noncurrent |

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

- 2025-11-19 [Group of Colorado workers from HCA HealthONE volunteer time to help out Food Bank of the Rockies - CBS News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPbVhZRW1pMXEyR0hxR3prTkdMaVBpejlDdk84SWpnQWQ3X28zNm5qVTM1MFE3aTZ4eW1JMWp5TDZJUTZvd0U5QjBGRWdqWXR3cWQ5WWZ5VlFTRVA2cXZEc0tvbE95b3J2LW1QZjJ3aGl5Ni1RaHZCXzd0SFg0TmJZUFh6Qm1pZkc3dEVV0gGQAUFVX3lxTE5TUGhZM1lKcVhjOW03Sks2NHVRSlM0MDFXd2R2eHNkOWd5cS15QWhSR3B6cVcxcmlhUmRkSUdNakttal9QQVYtRG5yZVFHYzZYZkJOZnNweEhOMXp4RVEyOXk4RURjWEhjeEJkOFlnQzM1OXBsV3ViYW9ic0k2Z0ZCLUNTeUZnRUp2OGxXQ2hkMA?oc=5) · CBS News
- 2026-02-05 [Food Bank of the Rockies opens new distribution center in Aurora, largest of its kind in the region - KDVR](https://news.google.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?oc=5) · KDVR
- 2025-11-06 [6 Ways Coloradans Can Help Their Neighbors While SNAP Benefits Are Suspended - 5280 - Denver's Mile High Magazine](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Od1VoaVpnb0dFblFWRG5KUEU2Y2JXQU1fdGJ1Z0FrdkhfUkpmSnNBb0VDTlYyVU9jVU0xTWs5bVRaeFlCTmMxZ1Fxc0Y2clhBOGNncTEwN09RZUtlQklXbV80MUFvMUp2VVdPUGprc3hyZHFZVUZIM0k1QTRNam8?oc=5) · 5280 - Denver's Mile High Magazine
- 2025-11-19 [Adams County Operation Freebird to provide meals, services ahead of Thanksgiving - Denver7](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPSy1uOWFhd0Jxa3FGOUpmUFR4czVha2hrcGVsV0xBN0tnSFVIWlZ2d2pjWEl3LXdfU01vQU9STk9adWItano0ZElFZFlDVktqZWZud25IblFpM0F5RG9wOFdGTlJvZGVSeUNXNHJ0Q1Z6TjhVaEEtRGZKTkloNzJ1X3BJdEMwNlI1V3FYUEtPTjZ2OHpmY1J4N25zUnFKLUl3VUJ6MkhhdWh1YlFZdmM3dlVYa0c4eW9NSmxz?oc=5) · Denver7
- 2025-10-31 [Food Bank of the Rockies steps up as thousands in Colorado could lose SNAP benefits - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSHhsNTlIRFZhTUQ3MGlGS0NnOVllSnllNzFxRWw5Y1ZLN1I1ZmhLVTBYVzc0RzBFRk1GWEQxUFB1Ujg1RWNlN1lLd00tRGZWRFdveWQ5cHRqMk0tY3d1MWxkWDdYVVJDamZOT3VMYjdCTUlFU3loVng5SmZGZmNxeUJobmZXTEVEcS1uVTkzWmctSjctM3VWVHln0gGfAUFVX3lxTE9TY0NLSjdGVHRGVi00UVZwX05vMjZ3Y0JmaWt0eXgtUTg3ZHFqYk9IVERVaWx1UncxVE93c1laNGRVVHkzRlhjVmZEQ1ZRT0Z1WXIyRm9aLVdWRFZGQlVrMk1QZ2VyRVktNnlMOHN2N1dzQVBtU1dBSFVPalB1TUhZTWlvMUc0dWUxQTdvZWdSbWdhY3pmV1ptYjVpbXJWcw?oc=5) · CBS News
- 2024-02-29 [Jeff Keller named new Bank of the Rockies Fergus Co. Market President - Lewistown News-Argus](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPVTFCR3U0WGVJOHh3Y09IVDJvWTVjSFZ5d1BqZ3daTFJRd29jbnRGREwyS0xmUXB4Y1JLbXlJRnRxUWdOUTJCbkhlNlFaTVROMldVaDU3bV96Q05hX3pfZFBCUnZNTWQ5RXgzVmhkYmF2dHdxelp2S2NsMXZDS3NZTEd2by1ZODROOEVXQllzUTdIZHFYRXppU2JYWHZIN3prWTl1c25ObS1oNzhEcDlUY1BwMm5NckFJSkN1UEhHeHl0c2ZUeTFNWTZhNjBiRmN4UTlsS2h0TTBtdGxDZzVGc285Zk83aEJ4N1pTTDRlQ2g2X2dXWnc?oc=5) · Lewistown News-Argus
- 2026-07-22 [Natural Grocers® Kicks Off 71st Anniversary Celebration With a $71,000 Product Donation to Food Bank of the Rockies™ in Partnership With Pop Your Vitamins™ - Natural Grocers Investor Relations](https://news.google.com/rss/articles/CBMisAJBVV95cUxQWG1XTndWQWFaM1Y5S1hFUWppX0ZPcG4wNkk1cmYtX01vZ05hSHVnZy02bVJIUDhkSDJzUDhiZ3FTMEw4eVNCS2FxNzJLZXFhSVp6RmRvUzRKSHBsN0NNeVVDWjRfMjRtLU9BZFZIdFNvX3dZRG9PQjZjbURPdmdjWmltbmd4a25oM3RPajNleEZDNEVRM2Rxb0xfYWVJQmdYeXhCUVh3ZkNRblhtY2hmdDRSS3dxaEpXYWVjZmJ2MTBqcGJaa2ItTzlBaVNDSFI4cDhpYlUwanhTUmxTaHRiQWozUVVNeG9HR3VrTVg5c0Jwdnltb1ZkV2N6VmpyN3loV1NpeWdKeHdPMkZFS1c3bmlULWt1eWNIR1VxRHhadFpBamh5SWdsZnhoQjZPMUNV?oc=5) · Natural Grocers Investor Relations
- 2026-02-05 [Food Bank of the Rockies opens new 270,000-square-foot home - 9News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNUmlaRXk1TXRUT2tDbGtBcGd4VWxWYkg2NFpnWmdaei1UU1kxN0RhaHlOaGhmQUlseEZ6V3NUYmtFd2dqTkt3Wmx6bWhXdWRuOGZGaU9Sb1pZeVFRWTZEOU5XRmFPM25aNmY2YzUxTTl4VnkwdjlyNEtjSHpPa3J0S1RHcnF2eG0zejZZRTBrbXREQXFMNmpxeFBZVXh1YkxIV3o0S3BIWFlUUHJfSEhWTnNIcEdpelVqVTVucHg2dWlRVGdGTUFrZDd3Smc3N2ZRRHFIWHdaTFgxZHVuSDYtYw?oc=5) · 9News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2205 (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/29.json (key "2205", 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