# FIRST CITIZENS BANK OF BUTTE
BUTTE, MT · FDIC certificate 22502 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $69.9M | |
| Deposits | $49.2M | |
| Loans and leases | $34.6M | |
| Total equity | $8.4M | |
| Loans / deposits | 68.93% (p42 of band) | 73.21% |
| Liquid assets / assets | 49.26% (p78 of band) | |
| Uninsured deposits / deposits | 14.36% (p30 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.05% (p93 of band) | |
| FHLB advances / assets | 0.17% | |
| Tier 1 leverage | 12.09% (p55 of band) | 11.56% |
| Unrealized securities loss / equity | -3.90% (p58 of band) | -6.10% |
| AOCI / equity | 6.86% (p66 of band) | |
| ROA (annualized) | 0.85% (p38 of band) | 1.04% |
| Net interest margin | 3.36% (p28 of band) | 3.83% |
| Efficiency ratio | 73.80% (p65 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 2.33% (p23 of band) | |
| Auto loans | $1.3M (3.76% of loans; DQ 9.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | deposits shrinking, assets shrinking |  |
| 2014-09 | 3 | reserve under noncurrent |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2015-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, expense ratio p90 |  |
| 2019-06 | 0 |  | capital falling, expense ratio p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, deposits shrinking |  |
| 2020-03 | 0 |  | capital falling, deposits shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 4 | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 7 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 3 |  | uninsured deposits leaving, securities losses >30% of equity, noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | wholesale funding >15% | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 2 | assets shrinking | uninsured deposits leaving, wholesale funding >15% |
| 2025-09 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2025-12 | 3 |  | uninsured deposits leaving |

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

- 2026-02-02 [Butte bank officially acquired by Idaho-based credit union - NBC Montana](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN19aN1hQTE1uWnBRcXJiN3gtLU96OFhjcWU0cE1UbGc0cHhtN0FXVzNjanFrUmUxWHNySUtpb0ZHRlJJdUhjcGc2UEJMYjRRLVBsTklLd0JtVFhHTjJqd1RVMkpWYWdVYXZvbzlENE5kOGRRSjY4S0JGTVIyR3BTUjlsNFNZZHdsSUE4clQwcnFoV3QyMGg0?oc=5) · NBC Montana
- 2026-02-02 [Frontier Credit Union acquires First Citizens Bank of Butte - montanarightnow.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOeW81MzJrazl4ZlNYQ0xRVjNpOVBQQnJiSFd4TTFucUkyU212NEgtcm5tWXlhZjViTEtSYkFKNW4xOGhvZzg3Tm15STJINC01blRJblRaMElmV0E0T0wtMnR1aDZWWW1hMUViNDFzbmt3U1VrdHByaU00Tm52Y2dVRXEwTjkteGczRXZVYW1OTVhPckpUVHR4Sjc2MGFmd1FtOExnYVh1a1JvenhBRUZ4Q2g0bzhaV1ZvU2dzd0FFd0FqVFNtb1hzdExUVktUdHNER3FOTUtDNFlfTWs1V3pobA?oc=5) · montanarightnow.com
- 2025-05-02 [Idaho credit union to expand into Montana with bank buy - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMEZiR2lmS09MU1pIUDBHTWg0UW5wWWxrQk45OEtIT3llR1Y2VkdkcVRocnNmM0p3Z1EwZlh2blRsdjhxMEdCTDhsMlJtY3doRFRtc0xSeTRHcExtYmh2MDBQb2hIWllManlsQkFzVHQ3MlNobklXZ2FEcldIeDhSa0VoTVREWEVFT1REYkRXYTBUVE1vbFB5cEJqVko1Wm5xeUNJblBXckJ0WHIxMTlMSA?oc=5) · Banking Dive
- 2024-05-07 [US Fed issues enforcement action with First Citizens Bank Of Butte -statement - Reuters](https://news.google.com/rss/articles/CBMivAFBVV95cUxOLU9ZNldkak11THFaUnV4ZThid0h3cUpVMmZGY21UNDRlRjBvejBINUR6YU41WnRubERBc1drbDVKMFV6aDg2cHZWQmN0MWl2bF9rbV9GRWRycG94RDZ5UnpjVG8xcGZmbjVxdDlET1NLbTJsSWlTQ3BsLUxpUm9vRGZWd3RpeU50cENWb1huM21iSkw0bXpTN1RuTXMwaXJSck90ZXptbi1TTHZHNXRSZzAwVzNyQThpRGIxZw?oc=5) · Reuters
- 2025-05-04 [Frontier Credit Union to acquire Montana bank - eastidahonews.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZmNwQkJvVkZQb0FwMVEwZHh3aFZBbjF3MTdkcTdvUkhXd19mdEpiaWJmVktYc2ZjVnVTUmo5b2hIeHhpUUV4RFV5Zzd6eEpLQ3FGZ0U2aW5WaEdPRWF4ek1USjBDZzZjTHRZYmloenJ1UnFxUlZSRzRrMVdYZ2xKWDBOU053VkY3RkJTUQ?oc=5) · eastidahonews.com
- 2025-07-07 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review - Lexology](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUEw3a2s2TVRrM1h1UFloeVZvRTFwSVJHdEpQZTFjYXh6dzRHR3ozcHY1YlB3ekNTcUpCSDQzZ0pfSXJJUzlmWjA3aktRbnJXVHR5UXNRbEtCWm94NS1IWjhGQk9qb2NYVWdrN1ZLejNwVXNUaUVwNExQY1ZheGlHVkQ5bXd2X0dNTU1V?oc=5) · Lexology
- 2021-12-20 [David Meyer, Age 61, of Butte - Axelson](https://news.google.com/rss/articles/CBMid0FVX3lxTFBfMHk1SGZndkRJdXlSclN6VGQ5QkhnaVhJZ3QzRXBQVjh0RnJHU3VCRlpTM2RLN3h0Z2syb1lMdjVmR2hDSlRMY3lSTjRicDlZbFE1Tlk4aUVnMGtjMGQ1NlJJV0E4NG1pS3pPOGlnS2c0cUhOOHFZ?oc=5) · Axelson
- 2011-04-01 [Daniel Fraser Obituary (2011) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcENkM3ZpZGZhbU4zZXp2NG1IaFVuVVhfWHlxa2NTSkJEbXpFaDlsXzJwTGVBbVhGX1NXQjJFTDljUWVlald4aXBOWVdMZk5KQ3FFQmZkZmI2ZEtwZ3puSk90T1p2WlpMNTdjZ0hOWkJPOWFBT2pNemN3ZG5wWWhZYS1URC1KSFJGbjdDT1FNTk5iME43MWlJVk5n?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22502 (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/38.json (key "22502", 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