# MOUNTAIN WEST BANK NA
HELENA, MT · FDIC certificate 33314 · asset band $300M-1B · latest filing 2014-09 · 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 | $615.6M | |
| Deposits | $511.7M | |
| Loans and leases | $352.3M | |
| Total equity | $94.8M | |
| Loans / deposits | 68.85% (p29 of band) | 80.43% |
| Liquid assets / assets | 28.49% (p55 of band) | |
| Uninsured deposits / deposits | 11.87% (p22 of band) | 18.44% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 0.50% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.76% (p64 of band) | 10.05% |
| Unrealized securities loss / equity | 0.23% (p46 of band) | 0.40% |
| AOCI / equity | 0.08% (p17 of band) | |
| ROA (annualized) | 0.27% (p8 of band) | 0.88% |
| Net interest margin | 1.11% (p1 of band) | 3.62% |
| Efficiency ratio | 54.12% (p14 of band) | |
| Noncurrent loans | 0.05% (p7 of band) | 0.96% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 35.98% (p54 of band) | |
| Auto loans | $2.4M (0.67% of loans; DQ 1.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 134 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | deposits shrinking |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | capital falling | noncurrent p90 |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | NIM <2.5%, deposits shrinking | noncurrent p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33314 (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/34.json (key "33314", 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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