# FIRST MOUNTAIN BANK
BIG BEAR LAKE, CA · FDIC certificate 23544 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $149.0M | |
| Deposits | $134.7M | |
| Loans and leases | $99.6M | |
| Total equity | $13.0M | |
| Loans / deposits | 71.83% (p47 of band) | 73.15% |
| Liquid assets / assets | 29.82% (p44 of band) | |
| Uninsured deposits / deposits | 11.50% (p38 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.99% (p19 of band) | 10.64% |
| Unrealized securities loss / equity | -0.71% (p16 of band) | 0.27% |
| AOCI / equity | -0.25% (p37 of band) | |
| ROA (annualized) | 0.14% (p10 of band) | 0.82% |
| Net interest margin | 3.84% (p61 of band) | 3.64% |
| Efficiency ratio | 95.51% (p91 of band) | |
| Noncurrent loans | 7.31% (p98 of band) | 0.67% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 39.73% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 69.92% (p89 of band) | |
| Auto loans | $26,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | losing money | noncurrent p90 |
| 2011-12 | 4 | capital falling, noncurrent p90 |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 | expense ratio p90 | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | capital falling |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 2 |  | losing money, expense ratio p90, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | losing money, expense ratio p90 |  |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 3 |  | losing money, capital falling |

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

- 2014-05-05 [First National Bank of Southern California and First Mountain Bank Announce Merger Agreement - kbhr933.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQTE9xUWdFaklrTUdYdVl0SnBkcl9ScFk1bU9BRWRvZVVYUmRLZjU5VEZrVExlbHVtay05VkhBZ3Fkdm84SGpRNnkwUUNfZzJ0eW1sNGhRNU81eG1SbDdPcWt6dndlaXgwSzduazlLeXcyam9KSDZwd19FYnRZUjFkdHhxNGpuaTl3MFNyQUlaVTVZOTBpa2lUdURoby1DS2w1WTNJVFF4dWdhaEJnOGJkNDZYNFNIZw?oc=5) · kbhr933.com
- 2015-06-23 [First Mountain, Premier Business banks to merge - Victorville Daily Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxPUWRPckJydEh2b2h6cjI2eW10TEs2NndWZVdzekFRY2dUMldWNzVOOUZwdmI1UnhyRUZibGFmYUZ1S19VX3JuNjVnWXc5dWVTRlJnNWFKNEZobDFJNTJHRUVRTF9FYUwwRm1OM05xR2xuX0hteVE3c2U2bmVZRDV4azNBZllMVHJ6TEtxNkw3SGtBbEhOem5fZTJNYW5HczJJWFZpd2k3TEdDWWp5YUJSYWxqZw?oc=5) · Victorville Daily Press
- 2024-06-08 [Fred Sattler Obituary | January 14, 2022 - ocregister.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1XR0RybnNBbEFQbURoNVh3UFJwbmYtcUpNU1VCSkxZaUtFa0xYcFlSdFNIMmxuMWYzUFB5SmhMQ2MwYWFEc2dVSElOdkh5Y2tFYlNfMlVRcnNhYUIzWEs4NTVldFVvRXNWTjB6MnBQMGJyZXNx?oc=5) · ocregister.com
- 2024-05-08 [Joe Nevin Obituary (2024) - Moonridge, CA - Big Bear Grizzly - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRlk2UmJHOWExd1Y5WGVDUzZqNzVscGJhTlVxZ1daVW1CVFlFV3NHMVVjSlhWb21OUGZIUGRVN1pSSzFSNzg2ZGNnOW52OGdzSkFmNFQxaWYxRXJQaFpaNDF4WXRhb2MtN3V1QkgzOUZ3T005T1VDX0kxS1RLNjRhWUt3ODF1VTJfU25HZ3BCOUU?oc=5) · Legacy obituary
- 2015-03-31 [Equestrian: ETI Corral 70 Cross Road Riders awards banquet - Victorville Daily Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxPaWVUU2NqZDVMM1ZBNEtVbHJyNWZSN2w1UmZ5ZDJzTkNHRmlnbUU2cFJGOWx5LUlCOXhxWTNOT0VLMHNFN05seXpjNDllTC15ZkhVdDN1a3JoLTFZd2lSZ1JsYWk3YmNTenc5cFByZ3NkUlU4SDJuaTcyMEVVUUNMZVdOSFRINWl6a0JNOGtKVnVXbGllbjRweWtjLWpwLU1YeXluVDcxY05FRDVha2p5bjdQR3d4d0FIbWRrMDd2UQ?oc=5) · Victorville Daily Press
- 2015-05-27 [LVHS hands annual scholarships, awards - Victorville Daily Press](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQY1V0NzRDdkwwLXJ2b3Z5RWtNT2wyVTFZWWo4b082dk5YWEw0dENCVzJTWkxkTnNQYVVheUJCMWNJQ1NvR2wySWQxY0dONXh0eHk5ZHJoX21kaXdfbmJzQ1hiMWZxcFBRSWphVlp2V1VOaFhMZU1STDNoaEZMeGFGdVNZLWloVUQxME1uR082UGh3bEZaNmRaWmhJVGVFZzJsR2hSLVZBWS0zNkFzUFlJU3lqRXV5Q0pwS3Z4cndmbXJBSnZTcjZKSg?oc=5) · Victorville Daily Press
- 2015-10-20 [Carpenters build marriage that lasts, celebrate 70th anniversary - Victorville Daily Press](https://news.google.com/rss/articles/CBMixwFBVV95cUxNeVlGSTQ1b05RVl9ZdWZSdVpvWDhDUGs3T2JmVURjTUpXZ3BrcDY3dG8xanQ3RU80NS1IZVUybDU1SjE4NVFRNlVkMlVyek4zTmxUSWd5SFJYYXlWQi1DTGlNU2x2Mk53OVlNNFB3c2ZmTGdRd09uUTZyRl9wdExGQThMZTZaRHJ4ejlkVjJCRGtETDY5Vm9hSW1Wem5GZS1aUEFKa2t5S25YazVsdEhaYWh2S1dKZlMzV0ZxOXo3WVE4dmtfNC1j?oc=5) · Victorville Daily Press
- 2013-07-24 [What's Happening - July 24, 2013 - Victorville Daily Press](https://news.google.com/rss/articles/CBMitwFBVV95cUxNd2pIMXJUUnF4MFBFaW5iYml5WWJ1Qk1kY1VHbE9qMU5uU0tuQzhMTUhhZnZ5cnpFbGI4a2o3RHFFOWxRUDRBZjlzZjM1Q0RuRWJPc1BTaWtLWHd5dHFVazhweXo0WW9aWW9iUWFqeEo0aWxlb2t5ZHJ4ekRIc1NITFRIU0RUMGY0UWlhLUNnZkk1SW9Penkwek1sOVBxMk5vN3ZjY2NDaXRMeXFiQnRHRkdLRHdBcHM?oc=5) · Victorville Daily Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23544 (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/56.json (key "23544", 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