# MOUNTAIN WEST BANK
COEUR D ALENE, ID · FDIC certificate 33844 · asset band $1-10B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.11B | |
| Deposits | $838.0M | |
| Loans and leases | $691.8M | |
| Total equity | $159.8M | |
| Loans / deposits | 78.32% (p52 of band) | 77.46% |
| Liquid assets / assets | 33.88% (p61 of band) | |
| Uninsured deposits / deposits | 7.10% (p20 of band) | 17.92% |
| Brokered deposits | 5.06% | |
| Wholesale funding | 14.55% (p73 of band) | |
| FHLB advances / assets | 4.96% | |
| Tier 1 leverage | 12.88% (p88 of band) | 9.50% |
| Unrealized securities loss / equity | 4.64% (p63 of band) | 3.21% |
| AOCI / equity | 0.18% (p67 of band) | |
| ROA (annualized) | 0.20% (p10 of band) | 0.85% |
| Net interest margin | 4.07% (p74 of band) | 3.63% |
| Efficiency ratio | 80.56% (p84 of band) | |
| Noncurrent loans | 4.39% (p76 of band) | 2.15% |
| Net charge-offs (annualized) | 1.14% (p90 of band) | |
| Reserve coverage of noncurrent | 116.75% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 57.49% (p76 of band) | |
| Auto loans | $764,000 (0.11% of loans; DQ 4.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 368 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | reserve under noncurrent |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | assets shrinking, uninsured deposits leaving | wholesale funding >15%, losing money, charge-offs p90 |

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

- 2024-08-15 [Mountain West Bank acquires Spokesman building in Cd'A - Spokane Journal of Business](https://news.google.com/rss/articles/CBMickFVX3lxTE9oTW83eDZfcmtPSHJoWWQ5UExPUGQ4MXJmRXhHS05hZHJHNkZKRHlmekFQdGlfZk5jenAzajg0SkxCYjlXOFdvUDRiZmx3RGtCOWo2dnBNMm82Z0dWOGRUM1dSQzNDM3BnWTVtTzExMFRtdw?oc=5) · Spokane Journal of Business
- 2022-10-02 [Mountain West Bank Tellers Shift Gears for a Day of Caring - Eye On Sun Valley](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVF91WTdzSGZTVHhPQk94VDBJQ1JMc3NTUW90YVhhdmJUTGFTY3RISGcxeW9ublNEZnpRazA3amVPYUM1TUY1OEZzZmpKN0g1a3pTY1k5YXBmZTNtZGc0WXRCSXN3M200Qy1feVFqZ2N2WTYzV3A4VXBOcTRGYUhkX08zWVBZVVJSRzJYRW5ZN0xqRXZyRVgtb1Z6VkNtc2g5MnZESkxwTQ?oc=5) · Eye On Sun Valley
- 2025-01-16 [Why one bank just bought another to create Idaho’s 3rd-largest. How it could affect you - Idaho Statesman](https://news.google.com/rss/articles/CBMidEFVX3lxTE1FTG5Zd0VGS29NQXdzblBxOEdNeHowdHJNMlRoZDRGT2NGenBZd1hjV0dpTDNBcVJSTHhUdUg3ZkFteFBsMUVwZXZFVlIyb3FHamdxcXhUODdyMnhnU0hiQmE0cVRqYzRaVkx1NmljYzM3S1Bq0gF0QVVfeXFMTTNQV1FCU3ZqZnFYVC1fUHJ3eXVLUUZLMEgtREZ2M2NSTWJ2S0Rtbk5GUEpxVmsxcDVPcjZuSFVjaXhlaTNmU2ZSMTVaZ3RzQm5hQ2xyZ3R5SFlISmZ0WHNNdy1PMl8yOXVMYU9LNnBBU0hlSW4?oc=5) · Idaho Statesman
- 2024-07-28 [Mountain West Bank acquires Spokesman-Review building - Coeur d'Alene Press](https://news.google.com/rss/articles/CBMingFBVV95cUxQVGVtZmJfeDh0Mk1ZaTZGZDUtS1NQQmhxMmx3c2ZkYWxodWlPR0RRaDlCUTJTQ2Q5MjRuMWxQcE9NWWRIVEViYlBrZ3o2ZTIyOTNETlU0alNEU0FzRHdMYWpiTkRweWpUSDVnWFJUWHlTNFkzMndqMnpnWFpDZFRqUGp4cTQtbmgzTnk2RnBnaWswVk56dURNampBaUNVZw?oc=5) · Coeur d'Alene Press
- 2017-11-02 [Mountain West Bank names new CEO - The Spokesman-Review](https://news.google.com/rss/articles/CBMihgFBVV95cUxQYXdJc3F4N1FuTVByU3hzdjktTmQzRlN6ejJEOE1BUDJSU1Q1ejRNT3gyVWpvVXdCTjdVQ3ZFWVU3bFFkY0VIdjhsYWVDeGZOdHUwQ2xGSzU0eTVnMGxJV3pnbXV3Z3lSNWw0eVl1VHFzaDFsWjFXYXFrcHBELTdGdG4zSmFQQQ?oc=5) · The Spokesman-Review
- 2022-04-28 [Mountain West Bank announces branch managers - Bonner County Daily Bee](https://news.google.com/rss/articles/CBMinAFBVV95cUxOaUNKOXc1RFpub1B1WXVibm5XTXRFcUU0TlM5OEhzTjh3Yld6SndQdEpjaGVtaHhBOFNqOUhpYnI4TVhMWk5FNmhYaEhyN1E3eWhvNEk0cmR4SVF3LUQ1SXN0czhQTHlMNDd6RDJhaV9mN3NxOFRwVXBFRzZXSzhodEZueDV5REwyaUxtQzJNYk1oYURTS3hMWTMzV0c?oc=5) · Bonner County Daily Bee
- 2021-04-06 [Mountain West Bank promotes Nick Sutton to vice president - Idaho Business Review](https://news.google.com/rss/articles/CBMiowFBVV95cUxQV3RkMHlvTFNSZUpJYmZ6eWpoc2hVNHNoOVJFSHU2STdHcUV2S0w1SUtMQi03VzRmOC1QbGFhcm5lY01fd3g1NFVTZE9Mbm1mWmlWOFI3N0NsY0Z5NzZqQkZtYk9YLUp0RG53Z0pQOVYwZ1ptdHhmdWZGMHlaSHpxUDg4WWhHMVZSWFlGdVpMTlNyamE3VUtfMUg1N2tVcTcwSXpB?oc=5) · Idaho Business Review
- 2016-08-25 [Best bank: Mountain West - Bonners Ferry Herald](https://news.google.com/rss/articles/CBMigAFBVV95cUxNS0xjSGRhNmhBV1NrbmN6U3N5Q1ZmUlN5VldIWFlkTDRiLVZOYk5YY3QxeWgyR1A3eFJKVF9JcG9CeEF2UDRVU1p0RHpWSTJIT0NjNElKMkozU1NjWjhzVHNrRGFvX3ZMZThjVFItV21KNXpzdEw5Yko3dlV6aXB2dA?oc=5) · Bonners Ferry Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33844 (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/52.json (key "33844", 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