# ROCKY MOUNTAIN BANK
JACKSON, WY · FDIC certificate 24334 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $449.6M | |
| Deposits | $403.1M | |
| Loans and leases | $266.4M | |
| Total equity | $43.9M | |
| Loans / deposits | 64.77% (p39 of band) | 70.11% |
| Liquid assets / assets | 37.55% (p56 of band) | |
| Uninsured deposits / deposits | 49.10% (p94 of band) | 26.09% |
| Brokered deposits | 2.11% | |
| Wholesale funding | 2.11% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.57% (p44 of band) | 9.79% |
| Unrealized securities loss / equity | 0.45% (p42 of band) | 0.82% |
| AOCI / equity | -0.52% (p68 of band) | |
| ROA (annualized) | 1.11% (p43 of band) | 1.18% |
| Net interest margin | 3.07% (p32 of band) | 3.35% |
| Efficiency ratio | 58.38% (p38 of band) | |
| Noncurrent loans | 0.02% (p15 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p92 of band) | |
| Reserve coverage of noncurrent | 9687.27% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 74.06% (p80 of band) | |
| Auto loans | $129,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 11 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 12 | charge-offs p90 |  |
| 2011-09 | 13 | capital falling |  |
| 2011-12 | 13 |  |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7%, leverage <5%, charge-offs p90, capital falling |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 9 |  | brokered >10%, uninsured deposits leaving |
| 2013-03 | 9 | brokered >10% | NIM <2.5% |
| 2013-06 | 12 | capital falling, NIM <2.5%, charge-offs p90 |  |
| 2013-09 | 6 |  | deposits shrinking, assets shrinking, brokered >10%, capital falling, NIM <2.5%, charge-offs p90 |
| 2013-12 | 4 |  | noncurrent p90, construction >100% equity |
| 2014-03 | 2 |  | losing money, expense ratio p90 |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | construction >100% equity | wholesale funding >15% |
| 2015-12 | 0 |  | capital falling, construction >100% equity |
| 2016-03 | 1 | construction >100% equity |  |
| 2016-06 | 0 |  | construction >100% equity |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |

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

- 2026-05-22 [Billings school district's offer for former Rocky Mountain Bank building rejected - Billings Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWmQ4VTd0UnM4eGYxLXNhMHBsZWo5LTc3djFPR0ptelc5MFllVDlkTmotRW4xdmgtdEVyMGVRQXdRd2FpZzVJWVlMdWZEVDE5M0hnT2wzano1ZWhqcjN3NjJ2QU9TY1NTekhCU0JMT3d2dFZRUUVHZ09vU1B6QzRfTURDU0NFMDBRU2R6V0U3YWpveU1HTWN6SnQ3MFQ1Vzg?oc=5) · Billings Gazette
- 2021-10-15 [Rocky Mountain Bank’s Parent Company Announces Merger - SweetwaterNOW](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPb2VieFh0QWg3X0V0SVlXNHJqY0JNUkZYSUplb0tFd1R1WEJNbGdWcEg4RFl4ZUp0MUY4NnhudkhSMkxWcHdJblpHc0tnSm1SMHM3X3NOSW9GdlVlNUNqLW03Z2hWTTBlNW01bk53TVowbURVNU4tRWhZUlR4R2ZuVTJpTkpUdS1HVEF3?oc=5) · SweetwaterNOW
- 2021-07-28 [Bank merger occurs amid stiff competition - Jackson Hole News&Guide](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOQ2lydV9aZ1JzR0FGWW4tZlRyd0lRakxweHdHQ1U5WW9jcFFWeXBFak5lTlE1Z0xDTUF6WGgtWVNicEwwdXV2VUowb3dnek5pMmRUWVczSVFUeS1RR3FLdmxvWkVPNE42UDhBZ0xRODRTUW9EM0EyTjEyVWtiQzY3dkNVWXlxVGdfb04taVpQeWh0ZzdMSjlpV3dJdmpuSEFGQk4yVlNpdDFEa09JQTZ4Rk5CWmxhcU92c041RWFnLUFWai1PVlB3T0xwN21zb0h2cVE?oc=5) · Jackson Hole News&amp;Guide
- 2019-06-13 [Ex Rocky Mountain Bank exec pleads not guilty to bank fraud related development of Billings mansion - KTVQ](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQU3VNTHZwRzF1X29FRG5WVzhoNFJJNzhrV3JVZ3BnS1ZIUjB5b1hISVg4MDVJQXZ6ZTREMTZpWHNvZE5WMWFBSUpBQnJDa1RNX3g3azdQaXR0TWk3NFJlNGtXaEZVM3Z1dkQtaG4xbzNiWVJyQ2gzcDlpUjdGZV9KUks2UjFmeGNKOERmVzZnMEtwc1FpdEdPUldRUW44SzJfTWU4R0ZIYTB3X0poODRCRG45XzMwSWx2VEMxQkhEaGZBTVVqckJJUVZvZXQ3dU1jZ2NmM1lSbWhtbDJKbjNoX2FB?oc=5) · KTVQ
- 2019-11-22 [St. Vincent Foundation's Eva Project Receives Donation from Rocky Mountain Bank - Intermountain Health Newsroom](https://news.google.com/rss/articles/CBMitgFBVV95cUxQT25JU2pWYnNzT3BNTUJNZ1M0NnFZUDM3WklXVlZtMEFka3ZiZFFUbUZyTUVPNFg1dEtaYWswMnFUQ2JWdm40M3NxLUNNZ3dycmlfYUpidmJPZk9EanF4eVc4LXZzM1lIVUk4a0piSVJUWnhsQUg5Z2t0Wnd1OWN3M1haTm0xS3VQOXVwdmRtRHRnTXQyd1NTMG5zdDZZeGFkc2drMjhGSXV3UkxsYloyekFWbU5Bdw?oc=5) · Intermountain Health Newsroom
- 2013-02-25 [Rocky Mountain Bank Rocks Sustainable Features in Beautiful Jackson, Wyoming - Inhabitat](https://news.google.com/rss/articles/CBMinwFBVV95cUxQeW1jSjNCNmxtSE0yNU9WSERsaWVXRVQ4RzZQNmdYSGl6MU9CY2ROTWhZcHlnNDZyTHF0Zk9vOWVBOXgyNmU3LU1hY0lVTURyaGFORVRrLUxlZlpXR0s0LUR3c1FBT2pRNWlNd0w1U2NTdFZBZUkxM1g5ckNMaWhTazdFQTNGaEFtX2t5eWpmODBuUXlFYTk1SXE0LVZMNGc?oc=5) · Inhabitat
- 2018-10-09 [He’s earned it: Jim Moses retiring after 50 years in banking - Buckrail - Jackson Hole, news](https://news.google.com/rss/articles/CBMihwFBVV95cUxQanU0WTEyYllpVUFHTnk2XzlTQkFvSnFvQ1V4UUFaUzFVVXZaTVBLWEVyOFNOZm9EQ0VQT19zSFAwUjFTbWh1ODlnQVhKcjI2b2l3NHo4ck52NTVhSG95dWF2azRBYWs3ZE1FTnhXUFVsd1hwd0pZYU1LYllJMWpEcnhWdllvemM?oc=5) · Buckrail - Jackson Hole, news
- 2026-03-24 [School board submits formal letter of interest for purchase of Rocky Mountain Bank - Billings Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxNaVhTOTJ6aWc4UE14UUNOeHItNnlpVUJ4V05sc052UEhmcU1IWGpsM1F2bjkwTWxldTdwN0h1YVVEbFF3Vl9xZ2xjZ2pvdTRPUS1jNmVvQ3Y4bGZUYXJHZk5BNzNOSmI1QjhQM1E5SEVIel9WM1piZUFVTTlZQW5iNzZCYXlQQ29rMGRRcGdLeUVmSlVvLWRwQmZuOXloVzA?oc=5) · Billings Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24334 (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/14.json (key "24334", 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