# VALLEY BANK OF HELENA
HELENA, MT · FDIC certificate 22747 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $464.7M | |
| Deposits | $310.4M | |
| Loans and leases | $192.7M | |
| Total equity | $37.2M | |
| Loans / deposits | 60.70% (p20 of band) | 74.71% |
| Liquid assets / assets | 54.85% (p92 of band) | |
| Uninsured deposits / deposits | 5.32% (p16 of band) | 12.43% |
| Brokered deposits | 7.86% | |
| Wholesale funding | 32.18% (p98 of band) | |
| FHLB advances / assets | 18.94% | |
| Tier 1 leverage | 7.13% (p8 of band) | 9.54% |
| Unrealized securities loss / equity | 13.46% (p96 of band) | 3.32% |
| AOCI / equity | 2.09% (p97 of band) | |
| ROA (annualized) | 1.49% (p85 of band) | 0.80% |
| Net interest margin | 3.33% (p29 of band) | 3.67% |
| Efficiency ratio | 49.99% (p9 of band) | |
| Noncurrent loans | 0.78% (p20 of band) | 1.96% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 287.62% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 43.85% (p61 of band) | |
| Auto loans | $3.6M (1.85% of loans; DQ 0.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 15.4% | |
| Employees | 90 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | brokered >10% |  |
| 2011-09 | 2 | capital falling | brokered >10% |
| 2011-12 | 3 | leverage <7% |  |
| 2012-03 | 1 |  | capital falling, leverage <7% |

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

- 2023-08-09 [Wheatland Bank to Join the Glacier Family of Banks - Lake Chelan Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxORHBHUVhKdmprQWRrRjFqV3IzY0RPbWp1andjcUNQVjItekNFQzR0azlwRDZwbkdlbnhnNldOZ1JnLWYxaFJ3Z0ZjNXZoeGJ4S0dfd19EWDVpdzNoY3gtVE5aOWpCaVg5TWExMEZhWjVOZm55U3pRVjExS2ZjaXNuLV9nMA?oc=5) · Lake Chelan Now
- 2025-11-22 [Terry L. Lamping, age 69 of East Helena - helenafuneralhome.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQWktMRFp1U2tVSlQ2QlFoeU1iSENNYkF3eDNnYTA2bDJHY0k5a195NHhNQUFuUVNYZVpDeWt6M09pNDhfbkxRRXo1T1hqOFRrTEx0UFp2eWJDSVRILTc1SVRCcmlEMXdkMmtBbkhJX1hYTDJ6YU93RllzbjBCSjNIVmxOaDFVUQ?oc=5) · helenafuneralhome.com
- 2019-12-16 [Mountain West Bank moves downtown Boise branch - Idaho Business Review](https://news.google.com/rss/articles/CBMilAFBVV95cUxObXo1UGZia2NZbGtYRGlFMDhNRUZ1QUwwX2h0Zjc5TDR5TGZLSmdPTXNZNzNLN3JzTVFvOFJSbkcyNUZIMFFXSG5SRVRVMEdaRmVOcHZZN0RTaW1sUW1ZLVJWajZWc1I1b19URl9mcXY4dEt4LWY1b1FwSmxlOFZwd0FMeHNTMXZNRW8wbFF5MUFqa1VI?oc=5) · Idaho Business Review
- 2019-10-22 ["Missoulians for Missoula," a PAC based in Helena, raises eyebrows with mailers - missoulacurrent.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBPM0w2TzZzZWRGSTJjcUtRanBvUnFuV0l2cDRuVXhRRXFpMTVEZkJKUlJ5M3JSYnZ4R25MVVdlX1kwYWdvRjk2ZVE5anhfTUh0OFF1bTQwZzc2RnM5OHc?oc=5) · missoulacurrent.com
- 2012-12-04 [Timothy Kennedy Obituary (2012) - Portland, OR - OregonLive.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOVkp3WVgxem9mZTFmckFuYkx2amZrV1N4VDNJdFNUcWFnOG9uMDRXVW9RN1RXRk41b3dnR3Zld0FiVXM3SGZ3c1BFUUdyNkN4MDNfNTByMjhMU0Q3SkFLblRsVVJHX1FsSHA3clllYXJtdUhCc2Zyb3dobTllSGdXZVFvbDRIeUhfZUpZSVBDTjZjeHZsSlE?oc=5) · OregonLive.com
- 2011-09-27 [Mike Pichette Obituary (2011) - Great Falls, MT - Great Falls Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxNckt4ZXBvMHNhaFQzcmEwSHNPUXdYQkRTQWtDTThIeTVhT010c2JySkpmYmlLUlFBNFczMUFOb0ZCSkdBUUpqaWJHTUxrWHlyRUR6QXpLbzB4OC1XMnRaQ2V5NGJiQXlhNEZrejJULURaRElnM2ZEQXVyWUFZWUFCTENCQmtTS2JKM2w1SXFXNGJnandGMUdvcXdB?oc=5) · Legacy obituary
- 2012-07-05 [Cheyanna Harbour - helenafuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9mcjdLSVZPd2dyLU5lUEJtdEtmVjItLVNLNm1GM2xMakVDaXV3ZF9WZWw1RFlyNDV5YVJIMHFpaDdyTXBKdElDS2hfcTQ5ejlRMUNfckhROWNTakR2WDBWY1NKZVFBQmJQT3c?oc=5) · helenafuneralhome.com
- 2022-03-11 [Kenneth Carpenter Obituary (1947 - 2022) - Helena, MT - Helena Independent Record - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPeXJVa2NBYy1GMjI1RkVCQU0yMU9lNlU3OE9JczNueGlnd3JzbDZRNWZzSmFrbldVZG15VFVVSW90YXlsMlYyQjNhdTZiMDdnZ3NROFMzV1FIUTliQkVEV2JqSnZXNzdOTWQ5emVsbXcxWlFsQXlTVWJtb2FlREhwVWt0aGJvZUdVaTVGeWpUMDRCZzA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22747 (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 "22747", 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