# BANK OF WHITMAN
COLFAX, WA · FDIC certificate 22528 · asset band $300M-1B · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $548.6M | |
| Deposits | $515.7M | |
| Loans and leases | $447.9M | |
| Total equity | $-319,000 | |
| Loans / deposits | 81.03% (p57 of band) | 78.35% |
| Liquid assets / assets | 15.01% (p12 of band) | |
| Uninsured deposits / deposits | 12.76% (p54 of band) | 11.83% |
| Brokered deposits | 16.85% | |
| Wholesale funding | 22.48% (p91 of band) | |
| FHLB advances / assets | 5.48% | |
| Tier 1 leverage | -0.07% (p0 of band) | 9.34% |
| Unrealized securities loss / equity | – | 2.85% |
| AOCI / equity | – | |
| ROA (annualized) | -8.28% (p0 of band) | 0.66% |
| Net interest margin | 3.58% (p41 of band) | 3.72% |
| Efficiency ratio | 159.04% (p99 of band) | |
| Noncurrent loans | 11.42% (p95 of band) | 2.17% |
| Net charge-offs (annualized) | 4.30% (p99 of band) | |
| Reserve coverage of noncurrent | 58.64% | |
| Real estate % of loans | 73% | |
| Construction % of loans | – | |
| Auto loans | $93,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.2M (– of equity) | |
| Deposits YoY | – | |
| Employees | 152 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 | noncurrent p90 | construction >100% equity |

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

- 2011-08-09 [New bank enters region - The Spokesman-Review](https://news.google.com/rss/articles/CBMieEFVX3lxTE5QZWVmWEpDODl2WXgwS3Z4QjFnZmtPekZUdW1wdTdOYVlDNVp0R1FHYzdyZHprTkRhQTZNWWIyRmxIUDczbHZud0JtRkdWdzVuSjV1NmJ2V21Qa180Q3EyNExPQXUwWS1BNnF5Y3EtNDFweFhMT0dHNg?oc=5) · The Spokesman-Review
- 2013-08-15 [Bank with blue couch looks to grow - Spokane Journal of Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxQMXZyNnBwbmZLSHM1Yy1sdzYzcEV0M3NYaDRXRHdadkwwUmNUTkRiZGZoY3JVc0xHOWlDSHNXaVJmMkNmaTBTa1RkSTV1eVhnSUsyQW81elJkNC1NVzRrbVlUaUdYek5TcGlEYnhiODZ2dVBySkN5NUJhVTRrdGFCdVlERWY5dw?oc=5) · Spokane Journal of Business
- 2018-01-13 [Donald C. Schmick - The Lewiston Tribune](https://news.google.com/rss/articles/CBMib0FVX3lxTE5PXzA2V1U1eTY3RHE5N3RtbTJTUGRrZExfclhWbDRNWWl0UEQyNFU4SmtzZGZBS0xUZWFwa3pQbk5YVXFVb3JfYzJhaEJxQXEyQ19Sc2twTjlLNHpNSmtocWdFdl9obnpuUlJmVFd6QQ?oc=5) · The Lewiston Tribune
- 2023-02-09 [Endicott Food Pantry moving locations - Whitman County Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxQMGRLblN0RFhPem5faEpScERhcGdBMWFmbEpvLTg4T0Q0TzRrSXJqUERKMldnd1FGWXhkMUdZN01SQ1ppT1BjeFUtcU5DU3JiNXdvQlhEWjZ2bEMwVUxvT2tXRzh1MHRQdm1McDZLQVl1MWtwelNabGZRRXV0N19sV2JCWDE0U05fS19ncm1reU1yLUNJcG9RdmtiMDhnYlE?oc=5) · Whitman County Gazette
- 2014-08-14 [Columbia Bank stakes an Idaho foothold - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQaEx1YUI5Z2ZudnB1UnVJUGxxZ19Jalh2SFFKeG9iWmdRRzRueXh5RzdGcXpWcDNjR19GM0s1UzlXVHVLVWVsWHN6VDhlMlUxUmY5UWNUYXRLalluY3ZVa3Bta3BqZEg4NEhESHJ5QVhOZG4xcjhhcm04Vl95blBWcG1abDBxcGtSemxr?oc=5) · Spokane Journal of Business
- 2026-06-10 [What’s being built there? $10M business hub + Tri-Cities 1st Slim Chickens - Tri-City Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE1Ta3lJdVFFTFhmclpxOXQ1Y2ZXdk90bWgwb0Vqbmtnc0VWaG9SdmtCS2lubmM3UEp0VGc1cHd1X1NJbkdSaGFuZ05WaHhBdlJHN2s5TlplV0Q0dklESHhQc2wwSkZzZW50THpIYTZPUFNYUDJV0gF0QVVfeXFMUERyelo1TDJkQkJzdnFPbXNtRGRlSDhUSEFzNTNmTGpVdzNkOGZlQ2hQT0ZqbzdYRzctT0dpU09vNTJRemlLNlh1bC14WTd6azZXczAzZDU5clI4em1venB5UDZyTFdDVFF2WC1WUEMzU0N3YXU?oc=5) · Tri-City Herald
- 2023-01-15 [Christian Larsen Obituary (1934 - 2023) - Spokane, WA - Tri-City Herald - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNV2xzTHhzajJRMndudWkxLUhTLUdIVzBCcGl1YXdva1RFZFZJUXVnU1p2d3gzanJhUExYTWN0dk4xYXlIVG5MT2g5T1g2blBROXVRbFNWcUZVTlR6VVhFd2tWbUtTQk5FYmFYeURYbFRkQ1BmUVRCU3JkclRIZTdDS0JyTGg2NnVERzhITkV1MGNCX3psX0EwLQ?oc=5) · legacy.com
- 2019-06-24 [Four generations of Stantons have led Washington Trust Bank over the past 100 years - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxNdnB2dUpsX0VEeTRwQ19XUHIxNTZqRFBTamczbkhGck1sbk9DQWFSNTNiZTc1S0g3Q21fMGU4bHdVRjNjbTRWQVloU3pQcjhFQlVPSXQzOVcyZG5lQVYzS3FzNDlFVzVjNldQNE1RN3MyTV9lV1N5aXNMalAtaHNTbDRsQWV6MHVaMkxCYzVoem1vV09uNTFnNDNNNDZnZw?oc=5) · The Spokesman-Review

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22528 (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/0.json (key "22528", 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