# TRAILWEST BANK
LOLO, MT · FDIC certificate 23806 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.11B | |
| Deposits | $860.2M | |
| Loans and leases | $895.4M | |
| Total equity | $94.0M | |
| Loans / deposits | 102.68% (p90 of band) | 87.10% |
| Liquid assets / assets | 15.63% (p26 of band) | |
| Uninsured deposits / deposits | 41.91% (p78 of band) | 30.76% |
| Brokered deposits | 3.30% | |
| Wholesale funding | 15.96% (p82 of band) | |
| FHLB advances / assets | 12.66% | |
| Tier 1 leverage | 8.62% (p7 of band) | 10.50% |
| Unrealized securities loss / equity | -0.41% (p94 of band) | -7.75% |
| AOCI / equity | 0.00% (p74 of band) | |
| ROA (annualized) | 1.76% (p80 of band) | 1.26% |
| Net interest margin | 4.11% (p74 of band) | 3.70% |
| Efficiency ratio | 52.01% (p29 of band) | |
| Noncurrent loans | 1.82% (p89 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 74.52% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 103.17% (p89 of band) | |
| Auto loans | $5.0M (0.56% of loans; DQ 0.14%, NCO 0.00%) | |
| Loans to nondepository financials | $326,000 (0% of equity) (p73 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 188 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | wholesale funding >15%, charge-offs p90 | loans exceed deposits |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | wholesale funding >15% |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling, assets shrinking | charge-offs p90 |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent, assets shrinking |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | loans exceed deposits | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 2 | liquid assets <10% |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | liquid assets <10% |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 2 | loans exceed deposits, capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 | loans exceed deposits |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 | wholesale funding >15% | capital falling |
| 2024-06 | 1 |  | wholesale funding >15% |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | loans exceed deposits |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | loans exceed deposits, construction >100% equity | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | wholesale funding >15%, reserve under noncurrent |  |
| 2026-06 | 4 |  |  |

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

- 2015-10-04 [Kalispell West One Bank offices rebranded as TrailWest Bank - Daily Inter Lake](https://news.google.com/rss/articles/CBMilgFBVV95cUxORmp0V1FxNVJlQk5tVnFPalFJOUZMZWxMVkxzUERzLXhoV3pNLWJVZjRoUDFONHRhUDRVeFFKSnNRc1BHUGFkN3NhUFZJUElGeXFzMTUyUlZHZ0tlOUR1NE01MFpVV1NBRUoyYVpyMHBxeDhlYjJ5Y3lPT1E4VFFXQUxFU0F2Nk8yRzVZM2x0ZnIzUXBhdlE?oc=5) · Daily Inter Lake
- 2026-01-08 [Best Checking Accounts in Montana for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiekFVX3lxTE1rcXR2TFJsMXo0VXduMDI1T0YyaEY0T09TRkl5UkZ6WmZzSXNHbkJEMTc4WFR2elVlVzdZR0V6T1ZjdktMRmtlNTQzeTV0N1h4Y1ROUFdYRjFfazZKN1B3ZURHRVkwRkZFeUhvQjRWcWpYQUFMT3VRWXBB?oc=5) · MoneyRates
- 2026-09-01 [AKEM’S ANALYSIS: CAL POLY HC TIM SKIPPER JOINS TO TALK FIRST WIN & CONTINUING TO STACK DAYS - Skyline Sports](https://news.google.com/rss/articles/CBMitwFBVV95cUxQcTlQQXhqaTd0R2hHc0s3X01fWDljYjVPVUliN2RPSE43NC05T3pDbDJtN1l6UVo1ZV9TMDZQWVBZMFAxcHRYSDRyNXhBU2lNUjlCUzFjc3RXRFhCWk5fcjZfRE5GSTlpb3ZXNUkyTUYxUFhWejU0a21KVElPbmd4MmllZFJZRE9yejN4U0VsTFR4ZDhzQlRvY3Y3eXpBNHBuMC1iX19pQ0h5NzFoY3dReXc0QlFhQ0E?oc=5) · Skyline Sports
- 2026-06-01 [Kevin Mytty Obituary Jun 1, 2026 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTFAtX0pnMUNhdVZSZEo2VVI1WlJucGdnazV2Q1ZkWkFiTmY0R1dEcjI1bFdpMFVHcFQxZUtXZjVSYl9kd1BrUmVFRnVmcUlxUHFycGJ3ZlhwcDVUSWJWLVV0VA?oc=5) · Garden City Funeral Home and Crematory
- 2020-09-10 [Best Small Banks by State - Newsweek](https://news.google.com/rss/articles/CBMifEFVX3lxTFBOSFlyZU81bHBmbHBJMTJWODZFQ3l6XzVmLTBrRmU3UmRDeDYyaE1TaVNiX2xiTjVIbk9QbTZDQlpsejUwVm5GWkV4NzNRc0RQUEh3OEpiQ0RicHdrdHY5dFk0VHdjTEs5Q1VCcjJJVDZkcGxYaUQ5NFRZY3U?oc=5) · Newsweek
- 2026-06-25 [Things to know, plan for ahead of 2026 Missoula Marathon weekend - MontanaSports.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQm4wdG9ldEpSVVBuZG9SVjBkZUhXQTFxQTJWOGJPTjNaaDBLY2JKT1JMX00zWkZoZ2lnT1dwWWQtcmJULTJNVHRnakVUay1UbGFLeXhRLWRxeVlWam9vcmFfbjZFWEFiR3ZrSEwzM0NJdXp3aTlhdU9QS3UxWmd1ck1PNWRQNDFDMHotbTNaNzJIYUk1Z251akdBQzl2MGJyUkp1ZUQzMHRmTkFzVnc?oc=5) · MontanaSports.com
- 2026-06-24 [Missoula Marathon 2026 – Results – June 27-28 – Missoula, Montana - ski-nordique.net](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYmtlWWxPZi1vX3BXR3ktOXBINVNZVzdlSEtDTFpBOFNSbXlCcElKTkFpQ3Q3U05hbW9NUkdEaTBacWx3TnROMUVBRzJ4MTBqejRFQ1hiVy0wWTlGWWNRbFdOREFmUFYtQUhjRlBXck9yUEFEb1RCem1YQW9KQi1LZlRSZnVaZ3dMOFVR?oc=5) · ski-nordique.net
- 2026-06-22 [Missoula Marathon Weekend Is Here: Events, Maps, Road Closures - 94.9 KYSS FM](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1sVS1SUXpqMVYxbkVmeXJDbjlXblQ2V0FnY3YwNmdpYklvVUk0cTdZckZxV2MzMFN0dDFTOFVxYW5XWkhTcjQ1czM5V2pDN0JHUURDR2k4Y2VkNXRDeDBKOA?oc=5) · 94.9 KYSS FM

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23806 (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/62.json (key "23806", 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