# FIRST STATE BANK
WHEATLAND, WY · FDIC certificate 23318 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $287.3M | |
| Deposits | $254.6M | |
| Loans and leases | $174.8M | |
| Total equity | $26.3M | |
| Loans / deposits | 67.45% (p52 of band) | 66.54% |
| Liquid assets / assets | 35.37% (p46 of band) | |
| Uninsured deposits / deposits | 19.18% (p78 of band) | 11.77% |
| Brokered deposits | 1.32% | |
| Wholesale funding | 3.25% (p62 of band) | |
| FHLB advances / assets | 1.93% | |
| Tier 1 leverage | 9.10% (p32 of band) | 10.04% |
| Unrealized securities loss / equity | 2.83% (p54 of band) | 2.48% |
| AOCI / equity | -0.09% (p60 of band) | |
| ROA (annualized) | 1.09% (p72 of band) | 0.72% |
| Net interest margin | 3.49% (p46 of band) | 3.55% |
| Efficiency ratio | 59.25% (p17 of band) | |
| Noncurrent loans | 0.22% (p22 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p51 of band) | |
| Reserve coverage of noncurrent | 788.25% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 12.20% (p45 of band) | |
| Auto loans | $8.7M (4.95% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

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

- 2026-04-09 [First State Bank in Wyoming sold to First Resource Bank - hometownsource.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNOHV1ZXVwcEVndWpQWDQ2cTdIVnpuYnlROFhQMzFEZm12UEVfREJLVVFBVTYxV1RFcGVFNmxRUEoxZFZTektMSXZqTVFkOU5kdlhjSE1mUjhnenFIVWhsU3Y0WDJYMWFkaS1wWktZbUhVc2txemVqX0ZhNjlINnNUNW9JbWgwWlZtNS11Ynp1aklXZlJ3ZHZaV3BmVUpLbnoyT1lqbVM4ZVhJTHd2aldOemJTWVVaNGxNZVFlSEx0QmpPdVd1MGpSb3lkU3d2WVpid2xYczkwMTUtemFsamlfaHZzQVplQkRvMGhXQlc0TFI?oc=5) · hometownsource.com
- 2026-01-21 [First Resource Bank to acquire First State Bank of Wyoming, pushing assets past $1 billion - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOQ010Q1J4UTRBLWdrQlBvMVRRNlFBU2xqUzIydW41bGdBa19HT2xacE4tV1NtSmE0VDlGOTJ3QU1mVWR5RGs1RXQteTVaWldLWGxrcWNUSGRydERvUXI0eWZEUlFnRkVEZzZDLUF5cmNtTlZELVNXaGFiY29oRTQ0RXBLdmZmOUdjdHR1dzVKMW9GSFJmZnp4MlBnUC1ZZ25lSkpQQnhPYjNkUQ?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-16 [Shot clocks – a Goshen County community partnership - Torrington Telegram](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRXBRQ0hSREpnSEM5RlBBTlYtRG5aYnhNcjljMlBoaTNIVGFkNGhpTzVGU1R6cC1mUkZZR0hsUU82RC1QZEd2VjJQcExmU3lWZTJFYlpJei1rWWNwcEdFTnI3WU5DODRmZXAwSThnVHNsMGJRelNCcGE3RTlOVkU1R3FkVFNGbjRGcG5WOGRjcGR2dVF0NG5hX3FRcG92NGlf?oc=5) · Torrington Telegram
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-05-19 [First Resource Bank to open 4,000-square-foot office in downtown Wayzata - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZU9zZEQwMjl5UWNfelA1blFvMDFOVjU3alFqNGswQ21jTFhLUDFCaFh1LU8xSUM4X3BESTVuWlF3ZjRQS3cySWhBMHM5UWhCWm5BTmpBYXVmTFRuNWgyS2pIOFZ2VU9RZTRoUXVJSE44UmZlUi1QYzRJd2xyVHBrdThIMUJQb181UWFRb0QxZjZnanZMVHhPdFZ3?oc=5) · The Business Journals
- 2020-08-20 [PHOTOS: Downtown Casper welcomes new First State Bank location on Center Street - Oil City News](https://news.google.com/rss/articles/CBMivgFBVV95cUxOYk9sR3dnNFNBSFJ2LWY5aXQ1UV9Lc2JjdmRMeG4xTm9BQ0czdjNKTW1JMEFjNGRLazdMb3dpVXJiLXFrczZWamZXYjhNY0VvczNQa2tYQVQ4dE55c1hYVmdudDFPXzFlcE5PZkhNYjBnUFJNVjJtcXczWE42b1VmN3Q1NHVYc1Z4NUUzUHROM21lQW83dVgzTGFhbC1tSk1EeVFqVGp1WDFPRnVjOTVRdkhiZFd5aTZLMGRfSzB3?oc=5) · Oil City News
- 2020-04-04 [MVB takes over First State Bank - WV MetroNews](https://news.google.com/rss/articles/CBMidkFVX3lxTE10cG93dWZ6VUs1RGdiUWVsQWpBamxNUFNtVHF0d0NMQ194d0g3OHdpOU5aVWRZa2xtZW9ZOFNLSDNxREpRNDBrUjd0UF95WVl4OGVHM1ZqajF2c2FuWmdUZUtPc1Nka1N4QkxwUkJCVW5paVNYMmc?oc=5) · WV MetroNews

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23318 (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/22.json (key "23318", 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