# BIG SKY WESTERN BANK
BOZEMAN, MT · FDIC certificate 32871 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $380.7M | |
| Deposits | $226.1M | |
| Loans and leases | $222.9M | |
| Total equity | $67.7M | |
| Loans / deposits | 95.03% (p90 of band) | 74.71% |
| Liquid assets / assets | 35.87% (p65 of band) | |
| Uninsured deposits / deposits | 13.64% (p56 of band) | 12.43% |
| Brokered deposits | 5.31% | |
| Wholesale funding | 27.38% (p96 of band) | |
| FHLB advances / assets | 21.22% | |
| Tier 1 leverage | 17.48% (p98 of band) | 9.54% |
| Unrealized securities loss / equity | 3.18% (p49 of band) | 3.32% |
| AOCI / equity | 0.45% (p84 of band) | |
| ROA (annualized) | 0.63% (p37 of band) | 0.80% |
| Net interest margin | 3.88% (p64 of band) | 3.67% |
| Efficiency ratio | 57.53% (p20 of band) | |
| Noncurrent loans | 3.93% (p76 of band) | 1.96% |
| Net charge-offs (annualized) | 1.71% (p96 of band) | |
| Reserve coverage of noncurrent | 91.65% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 75.94% (p83 of band) | |
| Auto loans | $711,000 (0.32% of loans; DQ 0.98%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | construction >100% equity |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | loans exceed deposits |
| 2012-03 | 3 | charge-offs p90 |  |

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

- 2017-11-16 [Two become one: Big Sky Western and First Security set to combine - Explore Big Sky](https://news.google.com/rss/articles/CBMipwFBVV95cUxOd21KcHR3dEFOMXFjQllMamdfdHdkaHVVeDhOamVqX2hXQnlIUDdDMXV0T2ItLW0yOXFHeWJ4UU94TWxNNTJPMjBiVlc3Y2RRZUZua0NuT3RaekQ4d19teFJoM1dJaGlfSGpTZ1dXY1hzaDdVTGxJZVpkSFFtT1FRY2F4SWRobXdIUERUZ3ozc0dKdzEtSGtUdnBnNVdiMmhnNk1udnQ5NA?oc=5) · Explore Big Sky
- 2022-02-03 [Making it in Big Sky: First Security Bank - Explore Big Sky](https://news.google.com/rss/articles/CBMiggFBVV95cUxPWUVZRTZjSGZWOF8xU181c0pVamlMVEcwMkQ4TkVmSVVTYjdETEJLZm0wd0lwRFdxRUoyOGhWanBaM0pkb0pNY0tIZ0xxV21pYklhcGZmNUtTV3NGYUVsSXhHSmhOTXY0RmtwRFRSVktmZjZMNk15M1EtVzNyQVpQZVJ3?oc=5) · Explore Big Sky
- 2014-10-19 [People in Business for Oct. 19, 2014 - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQNjN2Tl9QalQza3V1YkFCb2V5YXowMW1XVUNQdnc1UUpvcm9zXzZSako2U3hXa2pHdVlrLXltMDRuRTdLSXFsTmE0a1ltYzNDOThOQ01kanZjc2llRXdyMkFGdS1DQjN4T0xyT2VBRVBuTmxGS3IyVzNiYmhtN29NRU03ZXhHYV84bF9ONzBmVjZsSnYxWEpYbnh4cWZoTWRTMS1qaXJwNER0MUNSQkY2MF9ZTU92bFgzM0o3TFpFakN0a0RqNkFtTC0zZjNsQ0NXcmc?oc=5) · Bozeman Daily Chronicle
- 2024-05-13 [Stewart Kester Obituary - FL - Sun Sentinel](https://news.google.com/rss/articles/CBMidkFVX3lxTFAwUHRfa0RLaVVwLTM0aG9yRUFkS2x1OGZrRzk5ek1nejdneV8wX2I1cV9ERmpLWl8ydF9fdU5pUVlMMU9OWFdOQWR4RWtZV3p3Q0lzdzdyZl94RWMwQVNCTE5sVW9nZHFDVi01b3RLcWk4blQ4MGc?oc=5) · Sun Sentinel
- 2009-07-04 [Deaton, Kilby Engagement - Duluth News Tribune](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9kTlVUdlFVdzg3YURickJYU3FpUHBtdGg1NDA0N05MRkE5d0dQMWs0SXF1NnJSRjUxYUJJdWtiT0tyOFZlUE5nY3d4MUFIc1JROTJKZ0VsNEx2bzhvSzN1azNNV3Q0X215?oc=5) · Duluth News Tribune
- 2023-12-27 [First Security Bank Branch President Tim Kent retires - Explore Big Sky](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSUt6c3lkcHROQzVfOHZoRVA4ajM0SGJ0b05JZkRGWjdSRFZvSjZSdlMyaHZLQUY0ZUtCSU5PWm5oUTNEa2FjSW9ZZzUzb0FYWmVJRnRrWE10VjhLdzFjak4yWjVEQ1MzcmoyQjBENU5PWG4tVHM1UW1WbGZPRUhaX3I3cWlMOEVvSzJlZExFWXNOQ0U?oc=5) · Explore Big Sky
- 2007-08-07 [Herbert Kern Obituary (1929 - 2007) - Bozeman, MT - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNeUVSa09iQkxhMl9vblFwaDF5b2J1SThtYXJ6bllKT1ZzdzlmakZ4LXJvR2Q5S2NNT3F0TUVpWGEtSlEyemFWYXg4TWZWNndydWZvYUFHRF9IWWVrSjVmdG4wdEtOeFdhb0JPWmJPVk5ibDBVZE5aZjdLSGFLMGNlbmVYXzVxSm1aU1E?oc=5) · legacy.com
- 2021-06-15 [Michael Money Obituary (1951 - 2020) - Polson, MT - Bozeman Daily Chronicle - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWEd1ODRPMDBXQ0c4bzZTNUpnNjE4V0V0QnctRk1PcDU5YVFZa0RQRFNWRGZYaXA2R0dUQ1JnSE9SMGdpMk9lZmxjZUk3WUdQRUVuaktXbTRRY0RqTV9ESnFTNURXX2tCcTJwQmNMdGN0N0phVVZ1X1Z5RVlPY2poVndWLWhNTlVfMUJxeWtFQ2F3aXFOcGNYWVV6VDlJa28?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32871 (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/39.json (key "32871", 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