# BANK OF JACKSON HOLE TRUST
JACKSON, WY · FDIC certificate 23826 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $38.5M | |
| Deposits | $124,000 | |
| Loans and leases | $5.6M | |
| Total equity | $14.9M | |
| Loans / deposits | 4437.10% (p100 of band) | 73.59% |
| Liquid assets / assets | 84.00% (p97 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 38.37% (p95 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 5.18% (p97 of band) | 1.17% |
| Net interest margin | 4.63% (p80 of band) | 3.93% |
| Efficiency ratio | 57.71% (p30 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 41% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -87.6% | |
| Employees | 1 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 | capital falling | reserve under noncurrent |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 4 | reserve under noncurrent |  |
| 2012-09 | 5 | capital falling |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | reserve under noncurrent, capital falling |
| 2013-06 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking | brokered >10%, wholesale funding >15%, noncurrent p90 |
| 2013-12 | 5 | brokered >10% |  |
| 2014-03 | 4 |  | brokered >10% |
| 2014-06 | 7 | brokered >10%, noncurrent p90, uninsured deposits leaving |  |
| 2014-09 | 3 |  | deposits shrinking, assets shrinking, brokered >10%, uninsured deposits leaving |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | brokered >10% |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 1 |  | reserve under noncurrent, noncurrent p90, brokered >10% |
| 2015-12 | 2 | brokered >10% |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | capital falling | brokered >10% |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | uninsured deposits >50% |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | capital falling | uninsured deposits >50% |
| 2022-03 | 3 | uninsured deposits >50% |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | run vulnerability |  |
| 2022-12 | 5 | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity, run vulnerability |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 |  | NIM <2.5% |
| 2023-09 | 5 | capital falling |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 5 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 4 |  | assets shrinking |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | assets shrinking |  |
| 2026-06 | 2 |  | uninsured deposits >50%, uninsured deposits leaving, assets shrinking |

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

- 2026-08-05 [National Bank Holdings Corporation Announces Quarterly Dividend - The Manila Times](https://news.google.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?oc=5) · The Manila Times
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- 2025-04-30 [National Bank Holdings raises dividend to $0.30 a share - Investing.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPYy1iR1hfSTRuQVI1ZURSZnFxTGdhRG50VnY5anFtLVNldXIzTmRuYzlpUGFIZVJndERvcTRqRWs1RkR2VmNkVU5ueDBQUk01aDJvUG4yY25pZ3ZIc3hHbmRqa2pkNU1FNFRxOGI0ZmF0dFBLOXp5dzY3MVNRaTFKU05jcVF4cVc1Q095cElMd2stcXp0QVBkQlJ1WkRROUR6X0FBdklzRkM3M0JQTjlj?oc=5) · Investing.com
- 2023-04-19 [StoneCastle Partners Completes Sale of Cambr - PR Newswire](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZlVKWUNKWXZWZzVDNldicWxNelZQUk5Rc2diaGdOUDUwX2VIdGVUZDUzNHJxWEdwNEhqMzRrcUlyM1lUa0RKelVXWlFTczFEckZIVzNxazNFUlN5eXNZcUxhbWRJZ0RvS0lRdE9pOTBsUnJDdG5VM3pzRzZFWHhOMnRXNzFjTzExZlcxNFBPM2daaHEtcV9ySzBpcDNmV0RhclE?oc=5) · PR Newswire
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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23826 (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/18.json (key "23826", 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