# FIRST VALLEY BANK
SEELEY LAKE, MT · FDIC certificate 26190 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $51.7M | |
| Deposits | $47.4M | |
| Loans and leases | $34.4M | |
| Total equity | $4.3M | |
| Loans / deposits | 71.89% (p57 of band) | 68.03% |
| Liquid assets / assets | 29.85% (p36 of band) | |
| Uninsured deposits / deposits | 7.58% (p26 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.22% (p12 of band) | 10.34% |
| Unrealized securities loss / equity | -0.23% (p48 of band) | -0.15% |
| AOCI / equity | 0.12% (p30 of band) | |
| ROA (annualized) | 0.58% (p39 of band) | 0.74% |
| Net interest margin | 3.30% (p33 of band) | 3.59% |
| Efficiency ratio | 82.20% (p67 of band) | |
| Noncurrent loans | 0.45% (p34 of band) | 0.94% |
| Net charge-offs (annualized) | 0.13% (p81 of band) | |
| Reserve coverage of noncurrent | 228.39% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 61.12% (p86 of band) | |
| Auto loans | $364,000 (1.06% of loans; DQ 1.65%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | construction >100% equity |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |

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

- 2012-06-28 [Steven Dee Norred Sentenced in U.S. District Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE1pdGsxSzRqYUVUQk1fdFRyMEZZRXM2Qi1IVmFpcU1VSXpYdzd5c0NCcXZHUjVLcnhZOTdRM2Z6bE5zUUlEOWFRZlJwM1AycEhRVGVZT3RQd2FNZjNJSFRlSDlxVnJBZXptTXZmcWZySmVpWlFlMGJqclNPYVlrdw?oc=5) · Department of Justice (.gov)
- 2020-06-29 [Business Bites: Todd’s Music; Citizens Alliance Bank; Fit Republic - theelectricgf.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUkhxbmE1c3RBYS1hMUVfYWlwUTVZYnZNM3hrR2pfYmZwTUlEcVJjc2lGTjFJYzAyM3RBRWUyeGFPV2tQZlFUVWZKWi05WVVkbGxDcFZwa3hTMi1IaWdKR2c5LVpnXzRKY0d6cjVnc1d5dW9MX08wRWJIeFBib2F4VWVSR2Y2Y3Z4MEctRTU0ay1zWGtLLXdjcWg3QWxYcUpMU2fSAacBQVVfeXFMTmVsZzVtQWIzMFRFWEE1VEZ1TGZ0WUt0dE82RktBeUZZQXl0aU1hYW12U0xUM0tqU1VuVkRmdDFmZGRLYV90TmtJc0pkVFZ5eUpvSnJTNkMybUJXYkZBMmxScGMwVEZOemplUi1odGo5dkJXcXh1UW5HQU5iVkkwOGNqV1luVmtRTnJBellSNGFQVmtiX0lzUkRhRlZSTDI0YWZNVTcxTm8?oc=5) · theelectricgf.com
- 2013-02-09 [Kim Haines Obituary Feb 9, 2013 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5qRTJ0RmhZc3pYLUtpYUwwRmpvWG1jZjcyc3kyY0hqdkFYN0xDaTIxQU1CZ3p4ajZBR0lIbVlTOF9GNWNDbXNBb0J6RUpLWWVJODVMeWd4WTEzd093QWR3?oc=5) · Garden City Funeral Home and Crematory
- 2012-07-03 [Motorcycle bandit gets 14-year prison sentence - Hungry Horse News](https://news.google.com/rss/articles/CBMitwFBVV95cUxQeExNTEV6TlpRUDFHLVNCYU4xRW44NXc3ODNxa3gzTWZ0em1sdWVxZGQwV1hxVFNwUHR1QWd3d3NmR0ItR1BrNG1QV2tqRUpLZnV6SnFya3ROZU5HeGVMZzNhMDAzRXV0ZGtrSTA5ekNiMEhxa1RjY3pMLW1XNUN0ZVZ3ZE5mMFB5RW1rZ2x3ZVpLMER6aFJqWG9ZUkFiX0JjNS1tTGRjbWRnVEs2V2lqUF9uUkZZTm8?oc=5) · Hungry Horse News
- 2021-10-11 [Richard Antal Obituary (2014) - Suscon, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQN2VKcGpvOU9YVHJpZERtdm5jWFFzRzN1RGVvTkpHLTkzWmpyRjRiRThHZEF6MW5OV3lRUDgzSUZaM1NlaGRoTkotYmhSbkhxa0xNYTl0cmczUTktTGkzbkQ2V3BQU0FJdThDY0hDaGFueTVXQ00tYk81bHl3QVEtS0k3ZC1wU2d0Nm1qQW42ekdhZw?oc=5) · legacy.com
- 2021-10-12 [John McKenna Obituary (1947 - 2018) - Drums, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSmpTdEY4NkdOallTc1pRTmxuenM5TWZMWkJIMllKUFctM2ctRzJoTWFTeUE0U0FveGkwdW5sYVlxR2YteVlOMllGZE90QWpjYjB2M2p3UFZjdC1IaUpGdzNaendudmNWS0tGZVpkbFA5ZldYZ245Q0xlUEowUEluMDdfcmJGSHRSVUZoOE5zbmg?oc=5) · legacy.com
- 2023-01-23 [Hudson Shaw Green Obituary (2023) - Marietta, OH - Cawley & Peoples Funeral Homes - Marietta - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxONmJIM3BMamZOaUZuaDdNTVFWZXp3emUzSDhSRVpFS3A1czV5NVJOMS1sRTUwdXlKWUpHZEYzWk1XWG5BcVM1MFVvdEFtTFgwRS1qTjR5bkpDaFZaSU9kWTl5QlZRUzlhYm40d3p4VDJXczRJLXdtVGFmbDNXRUVObg?oc=5) · legacy.com
- 2009-06-30 [James Cowan Obituary (2009) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbElsZlA1OVJxdWtpTjMtUUx5YnByclV2cndlSFhkZF94SHU2MWRybVRIbGNnSWlXX0lfMVFfLTFYM204NGFLZHgyb2FhdE9kRU9KQlh6RjFQS1BHYTBPQlVDMG1zQlJrcDZ4YURGUENSSElza0tlUDFpRWJrUk9vaEhNMzFNbmwtN1c2QkxfbVNNb2dOcGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26190 (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 "26190", 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