# PIONEER STATE BANK DEER LODGE, MT · FDIC certificate 29517 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *credit-stressed*. 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 | $133.5M | | | Deposits | $100.5M | | | Loans and leases | $93.3M | | | Total equity | $22.5M | | | Loans / deposits | 91.75% (p82 of band) | 73.59% | | Liquid assets / assets | 23.87% (p30 of band) | | | Uninsured deposits / deposits | 14.78% (p30 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 5.99% (p75 of band) | | | FHLB advances / assets | 5.99% | | | Tier 1 leverage | 16.80% (p85 of band) | 11.76% | | Unrealized securities loss / equity | -3.43% (p63 of band) | -6.57% | | AOCI / equity | -0.06% (p66 of band) | | | ROA (annualized) | -2.15% (p2 of band) | 1.17% | | Net interest margin | 3.22% (p19 of band) | 3.93% | | Efficiency ratio | 193.32% (p99 of band) | | | Noncurrent loans | 0.59% (p59 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p16 of band) | | | Reserve coverage of noncurrent | 202.35% | | | Real estate % of loans | 96% | | | Construction % of loans | 12.36% (p42 of band) | | | Auto loans | $333,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 16.8% | | | Employees | 22 | | ## Flags firing in the latest filing - **losing money** (`earn_negative`) - **expense ratio p90** (`earn_efficiency`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | securities losses >30% of equity | | | 2011-06 | 1 | | | | 2011-09 | 1 | | | | 2011-12 | 1 | | | | 2012-03 | 0 | | securities losses >30% of equity | | 2012-06 | 0 | | | | 2012-09 | 0 | | | | 2012-12 | 1 | capital falling | | | 2013-03 | 0 | | capital falling | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 1 | uninsured deposits leaving | | | 2014-03 | 1 | | | | 2014-06 | 0 | | uninsured deposits leaving | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 1 | capital falling | | | 2016-12 | 0 | | capital falling | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2018-12 | 3 | | | | 2019-03 | 5 | losing money, expense ratio p90 | | | 2019-06 | 5 | | | | 2019-09 | 2 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2019-12 | 2 | | | | 2020-03 | 0 | | losing money, expense ratio p90 | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 1 | | | | 2021-06 | 1 | | | | 2021-09 | 1 | securities losses >30% of equity | capital falling | | 2021-12 | 1 | | | | 2022-03 | 2 | capital falling | | | 2022-06 | 2 | | | | 2022-09 | 1 | | capital falling | | 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | securities losses >30% of equity | | 2023-03 | 3 | | | | 2023-06 | 3 | | | | 2023-09 | 2 | capital falling | assets shrinking, uninsured deposits leaving | | 2023-12 | 1 | | deposits shrinking | | 2024-03 | 0 | | capital falling | | 2024-06 | 0 | | | | 2024-09 | 1 | loans exceed deposits | | | 2024-12 | 1 | | | | 2025-03 | 3 | losing money, expense ratio p90 | | | 2025-06 | 2 | | loans exceed deposits | | 2025-09 | 2 | | | | 2025-12 | 3 | capital falling | | | 2026-03 | 3 | | | | 2026-06 | 2 | | capital falling | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-11-25 [State of the Pipeline – November 2025 - S&P Global](https://news.google.com/rss/articles/CBMiwAFBVV95cUxORmRMZ2dDbWwxZzJLaTdaM0ozOV9ERHVsZGw2bk9fenhWa1NzOG5SUG9TWU1kNFhGSTlWYUVhZkFtNnBRMi1nd1ZzZmFTVlBBRGJuZzRBWWxrQUVfX21DbXF4VUZEVGVKWE83czVwN0JpeWdlSEx1TUwyWFplS3BVRk9HM1pDWnhyVldYN2s2d1BEdXdhWFVTaEpaQUxpcmRLZE8wYnlVUy1Pd19OZW0zYXdSRjdpOWVZMWVYa3RZMXA?oc=5) · S&P Global - 2026-03-28 [State Of The Pipeline - March 2026 - Seeking Alpha](https://news.google.com/rss/articles/CBMieEFVX3lxTE1GcGI1WWUyWnBmWW1QaFh0dGlHdXBOSk90XzJDNnpHcU9KM0o2Wll0LVRFQU16SW1DLTVjVHVZamJpU3lFN253azNGRlNNcnFWT1V2SnZBSE15elZ4cWZZYXUyMG02R3ZzNWZ6Mm5GTlBGNFFVVDBXWA?oc=5) · Seeking Alpha - 2026-05-04 [State of the Pipeline – April 2026 - S&P Global](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVUNydHQwcTVZay1IRVdrdHNZT284V0FkSUdGZ1VzQzJ2bS1OWjExTThOeXJISFc4SzEtY1BwS1VoQW0zTFpOSEVZTE1PYkVWaF9MX3k1MldlOGhWMDBESEplbkRsbWFDLWlPal9ZMER4R3piQ0FiWGhJcW1VNHVlNjFfbWpVS2VWSkZ4Ym56X042SV9ZNlR5SVRHblFaNW1Fc09nOS1KTGg2QmpFQ2tDUGxsYTJ0cnlxZlZzQw?oc=5) · S&P Global - 2019-10-02 [Cecilia Barbara Smith Obituary Oct 2, 2019 - Osheim & Schmidt Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA3Qml4ekt0dTJUV0tEblBlM1JtY0NZbDE2Ulg3cFN6TkpDMlFOVC0yQ1FJZEZ5bmFoMjhobzJVMHNpSGlOS2ZScTJpRzlSdE13eVktMEd1amg3cGV1MEZxWlg5Wk8?oc=5) · Osheim & Schmidt Funeral Home - 2026-01-27 [State of the Pipeline – January 2026 - S&P Global](https://news.google.com/rss/articles/CBMivgFBVV95cUxOUS1JTW5ubFhDZUROMGY0UDVHcnAwZ3dpbFFSLUd6TjBtek8tWnYxSE1IZzZJa0Q0dXFHYjMtMGhSNGhwUDF1LTBpQnhqOWx4Ui1hZXpPSFFCaXZQSkM0NFpQR3BhZTlfZDJOQXdIeV9RSjN1LTRwY1RQTXJ1MnhnSlU4cEhkZzdDb0pyZWVwSmlDNW90UUE2S1lUbWVYVUtUaWNpcU5mUkpvY3J0VjJDWDhkSm9kNlNYc3g3aE1n?oc=5) · S&P Global - 2026-02-27 [State of the Pipeline – February 2026 - S&P Global](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUjUwZS1MbXZrd2d0M2FlbG1rdlVtRW9RclpTa2o0cklmeWkwVXJtTTh0ZmxuVmowYTJxNlZJaW1rN3l1aEpHUUZTOUN4U3BCTy1PUnNKLXdmTkxkVU16Tk5LcS04Y0xCT2FjYVZETXJsVW9ZRlNSblhmTGpmZkVRMkZsdjhaVWctNDZaY2xKemVfUU1lakc4eXpyZ3hSVi05Ykl6R2F0WlVVYUE3blVUNDNPUGlGbjFlT0tIOFdKVQ?oc=5) · S&P Global - 2025-09-25 [State of the Pipeline — September 2025 - S&P Global](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOMVVnUWpNY3Z1OFY5SlpyRW1OWTRiRXBqVEFfUTg3TEtRMlk3TC1tR1MwdFFuNE1EUk16eC1wd3Y4QUJZbl9xQklaYnRmSmZ3dEhnQnB4cUFFTm0wQ05CTzYyWVM5a2oyem05bnRtVWpJRlZJWDdTRHN3LVlOclJHWEV0MTA1N0JGbm5zRnVnWXJVMU4wS3E5dnlONlRxcGNFWEhtb2h5RDgydXlHV0dIZVJkYm81Q1U3OG5waEFBLU0?oc=5) · S&P Global ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=29517 (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/13.json (key "29517", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide