# COMMUNITY BANK MISSOULA
MISSOULA, MT · FDIC certificate 33967 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $82.4M | |
| Deposits | $68.8M | |
| Loans and leases | $37.0M | |
| Total equity | $9.2M | |
| Loans / deposits | 52.01% (p23 of band) | 67.95% |
| Liquid assets / assets | 49.45% (p75 of band) | |
| Uninsured deposits / deposits | 11.80% (p67 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.10% (p63 of band) | |
| FHLB advances / assets | 4.01% | |
| Tier 1 leverage | 11.39% (p70 of band) | 9.95% |
| Unrealized securities loss / equity | 0.34% (p21 of band) | 2.77% |
| AOCI / equity | -0.15% (p36 of band) | |
| ROA (annualized) | 0.97% (p62 of band) | 0.78% |
| Net interest margin | 3.11% (p18 of band) | 3.77% |
| Efficiency ratio | 74.74% (p54 of band) | |
| Noncurrent loans | 3.00% (p73 of band) | 1.40% |
| Net charge-offs (annualized) | 0.08% (p62 of band) | |
| Reserve coverage of noncurrent | 114.67% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 27.80% (p64 of band) | |
| Auto loans | $131,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |

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

- 2022-12-21 [Mark Lyons Obituary Sep 21, 2014 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBhbWFiWGRRYWRBQ2tjTnRmMEFRaTlYM3BJZUkwa1BuLXZLWWpBRlppSEpJOTZ4VTlZVU5Wc1dYVmZpQ1d3ZjB4VVFZbTAzSFdGa1dxR05pemxWRzdjSmpV?oc=5) · Garden City Funeral Home and Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33967 (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/47.json (key "33967", 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