# WHEATLAND BANK
SPOKANE, WA · FDIC certificate 22939 · asset band $300M-1B · latest filing 2023-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $728.3M | |
| Deposits | $622.6M | |
| Loans and leases | $471.8M | |
| Total equity | $55.2M | |
| Loans / deposits | 75.08% (p39 of band) | 80.89% |
| Liquid assets / assets | 29.92% (p59 of band) | |
| Uninsured deposits / deposits | 32.29% (p74 of band) | 25.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.77% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.46% (p31 of band) | 10.29% |
| Unrealized securities loss / equity | -8.72% (p71 of band) | -17.38% |
| AOCI / equity | 8.72% (p84 of band) | |
| ROA (annualized) | 0.83% (p37 of band) | 1.01% |
| Net interest margin | 3.45% (p50 of band) | 3.46% |
| Efficiency ratio | 74.62% (p73 of band) | |
| Noncurrent loans | 0.00% (p10 of band) | 0.24% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 433800.00% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 56.90% (p54 of band) | |
| Auto loans | $200,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 141 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 1 | capital falling | expense ratio p90 |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | securities losses >30% of equity |
| 2023-12 | 1 | capital falling | deposits shrinking |

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

- 2026-01-29 [2026 People of Influence: Susan Horton, Wheatland Bank President and CEO - Spokane Journal of Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxQcEs4ZGd5ZWNyMmQ0V3NpUDhoZUw3LUtHSUJEdm1CLU5NOERzcVIxZURZTGdycjdQb2lyU04tZFFZNGpFQXVDbXNJOFRLaC1zVGo5cjRINS1mN3RvTFVTZHJpRDllN29ubUFJU0YxWk1rMDdLdGl2Q3JWZEJ0Y1hzT0F3LVZEU1FwRFhkM1lScjVzTkZENEFFcTZkY2pEcTlHc0pUTldERktOc2RXYy12SkUtUHFGWEU?oc=5) · Spokane Journal of Business
- 2026-02-13 [Glacier Bank, Wheatland Bank $1.6M Class Action Settlement - Claim Depot](https://news.google.com/rss/articles/CBMidkFVX3lxTE1HUUkyQk9DMXAtaWxOaU5lMjBfZGo2RjRZalVjNzVIelM3OE1pblRKcWxjN3FQbDdWb3BETjF6TC1hNXdodktwUEozWVhhX0twT0NTcHJlTWRfT0huUlpncEJ4czJhbDRNcEctWmJVNWNYNEdramc?oc=5) · Claim Depot
- 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
- 2025-01-13 [Wheatland Bank holding company acquires Bank of Idaho - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxPWS0ydEx3c2JsYUVNZFcxZUJ1cExPZW5hMExKZ2xOTUxfNHRMQjFtWTVVektIZ0N4RWc4SkctUzNZMHQyOG8zYWQyNjhWbE9xaF9KY0NsRy1JNHoyenlrb3JrUlM0WUxvdE5DVTVrY1J0bDBobG44T2JhbXBvOU1TNi04Vk5kb1pEeWFlLXlFWnluclc1d1c3VkVBMEhTQQ?oc=5) · The Spokesman-Review
- 2025-01-14 [Wheatland Bank holding company to acquire Bank of Idaho - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPZGpEQXJMTkVBLTJ0SmV6UWFCdWdrWHF5Ym1adlRiVE05WXhYMl8wT05JZ1RSdzBEclJtd1E2b0xhRjRBakJfdTVEVzBFOFVaVnlCRUN4SWt4dllxYjlPLUhrcjdVeEZmOU1FWXVnZy1aRGQwd0Z2WjhlaUFKSVk4Nlgya0hNdnZSdXZ0bWM3OWoyMl9qR1NpLW1FTjRvaTd4S1k5ZWowdVoybkU?oc=5) · Tri-Cities Area Journal of Business
- 2024-02-29 [North Cascades Bank will become Wheatland Bank - Methow Valley News](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZU9SUl9KaG16TnhFZkI2MHlzMFdmWTZ6TW84SUtqQTZpWHlfVy1qdzROcFhWd0hseHNkcUFPX2stNC0zaWxINmJTOEdXZlg5MkZtcFpnQXhreDF2TTBwOERLT1ZrOER0aGVYcVppUl9vOHliVl9KUld1TlFTS1poVDBDejNycU4zVUZlbzdVcXA?oc=5) · Methow Valley News
- 2025-02-04 [Business tidbits: Yakima's Bank of Idaho branch joins Wheatland Bank - Yakima Herald-Republic](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQaWlyb3hYYWF2VGhsU3dsX0ZYRnNfdGE4a2hJQkdiZEU2S0tRb01ZODk3UXVfTG9SaXpNTTVYWFJoWTlWRzVxTWZ4TF81X2tmZV85Mllib3ZVeG9rTkJFT19YN0xGd3pZSllOczFycWtUajZNSF90SnZla3hCX1JFTURwRXRzTUVBUWk3TVV6VkxTZkFJTTVfTVB3bi1XOXJDVXdLZzVzUHlyQ2QtTXBZV2xNU0tsZFZJYVU5MGVqYTlmRGxwOGdmNHMzM0RRTnM0S3hBOU9fd0wzMVVld0Y2UjlFaEVKd3FVby1lT05JY3kwdlg4SngzSNIB_gFBVV95cUxQR0RDWmpYeGhvdjhvZ05zdW1GY3dkdWVmSDNJWk0wSHpLUXpVVDI1NTVpcHNZMU5lNF9VSlp5UGdtWjk4djlIZVZxWVY1SUltcGtfTlV3aFh5X2l4Z1lIcFVWb1lGSVNmZkpQQjZiam1KRTN3S0pxOTZYUENxUkVlVEZXdzBSamRybVlaMllyRDktWTJ3Q2NQZXNjb0tHamFCRF9QMHBqaUh6R2FVN3R3YUFQakVGMW5sekVGa016V2o5VTNoLTVVXzVWaDM5cHUwZVBkYll3QV8yS2pYTUZnQkl4c1RPQTRNLXMxeU5UbGZUZkJfY0V2c09fRzBxdw?oc=5) · Yakima Herald-Republic
- 2025-01-16 [Why one bank just bought another to create Idaho’s 3rd-largest. How it could affect you - Idaho Statesman](https://news.google.com/rss/articles/CBMidEFVX3lxTE1FTG5Zd0VGS29NQXdzblBxOEdNeHowdHJNMlRoZDRGT2NGenBZd1hjV0dpTDNBcVJSTHhUdUg3ZkFteFBsMUVwZXZFVlIyb3FHamdxcXhUODdyMnhnU0hiQmE0cVRqYzRaVkx1NmljYzM3S1Bq0gF0QVVfeXFMTTNQV1FCU3ZqZnFYVC1fUHJ3eXVLUUZLMEgtREZ2M2NSTWJ2S0Rtbk5GUEpxVmsxcDVPcjZuSFVjaXhlaTNmU2ZSMTVaZ3RzQm5hQ2xyZ3R5SFlISmZ0WHNNdy1PMl8yOXVMYU9LNnBBU0hlSW4?oc=5) · Idaho Statesman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22939 (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 "22939", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide