# BANK OF BAKER
BAKER, MT · FDIC certificate 352 · asset band <$300M · latest filing 2026-06 · live

**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 | $160.9M | |
| Deposits | $142.2M | |
| Loans and leases | $90.0M | |
| Total equity | $17.6M | |
| Loans / deposits | 62.37% (p33 of band) | 73.59% |
| Liquid assets / assets | 38.68% (p61 of band) | |
| Uninsured deposits / deposits | 29.29% (p80 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.31% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -2.69% (p66 of band) | -6.57% |
| AOCI / equity | -1.91% (p13 of band) | |
| ROA (annualized) | 1.52% (p69 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 63.36% (p43 of band) | |
| Noncurrent loans | 0.72% (p63 of band) | 0.36% |
| Net charge-offs (annualized) | 0.14% (p89 of band) | |
| Reserve coverage of noncurrent | 197.52% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 26.44% (p61 of band) | |
| Auto loans | $464,000 (0.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | deposits shrinking, assets shrinking |  |
| 2016-03 | 3 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2016-06 | 5 | deposits shrinking, assets shrinking |  |
| 2016-09 | 4 |  | assets shrinking |
| 2016-12 | 2 |  | uninsured deposits >50%, deposits shrinking |
| 2017-03 | 4 | deposits shrinking, assets shrinking |  |
| 2017-06 | 2 |  | deposits shrinking, assets shrinking |
| 2017-09 | 4 | deposits shrinking, assets shrinking |  |
| 2017-12 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2019-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 4 | capital falling |  |
| 2019-12 | 3 |  | charge-offs p90 |
| 2020-03 | 3 | charge-offs p90 | capital falling |
| 2020-06 | 4 | uninsured deposits >50% |  |
| 2020-09 | 4 | capital falling | uninsured deposits >50% |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | charge-offs p90, capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | NIM <2.5% | reserve under noncurrent, capital falling |
| 2022-06 | 1 |  | NIM <2.5% |
| 2022-09 | 1 | charge-offs p90 | noncurrent p90 |
| 2022-12 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  | charge-offs p90 |
| 2023-06 | 5 |  |  |
| 2023-09 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | deposits shrinking, assets shrinking |  |
| 2024-12 | 0 |  | deposits shrinking, assets shrinking |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 | charge-offs p90 | capital falling |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2021-08-18 [Arleen Graham Obituary Aug 18, 2021 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE9rXzFnWUQwNXQ2SnpHcnRlTVE1YmxxNERlR2o5SElCbGV1ajlvMWV1aEhIZ0NONFVmY0JxaTJrYWZBekRSOVFWSjhSQnRhbTNKOWYxOTNFUldZRndscHVvZmJvRURaM2FmTGZCT0Nn?oc=5) · Stevenson Funeral Homes
- 2025-11-29 [Merri Beck Obituary Nov 29, 2025 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE9NS3pEU0VDSW1JRXc0OC1Gd0doTk5OV0dsaHk2NmEydFpoeGJCR2FhMmszbzBxVDk4d3ZkZVlrUmp0WWtMT1ZxUmJNSFFobFFaX0lHZkFzTzhaZUItMk9ESGhMOXc3R3BaLWc?oc=5) · Stevenson Funeral Homes
- 2022-05-12 [Idella Holm Obituary Nov 11, 2009 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTFBxRmhvTFpfZGRuV3lJYXNITjhKR0hfVnZMLV9QOUU5UF9ZWFhLTDZvWkN3TEtSR01LOG56UjVTdEI4amt4YlRKNkx0UFpvSWc5ek8tVENlLUk2c1Q3Yk91X3YzVDNiV2NtTVRj?oc=5) · Stevenson Funeral Homes
- 2022-10-05 [Clint Ehret Obituary Oct 5, 2022 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTFA4cFpmQVQ3TEVWZXV5Tjl5YkZBYzR2ajMzX05nQmVMUUFPVmpMb0NRVF9zVExwRHlFa1hKR0VldTJUQWlwZml1TkZkd1NRdU1kNXMtQWJtWTBoQk16a1hjbmFyRzFpMUJWWlF3?oc=5) · Stevenson Funeral Homes
- 2022-09-23 [Ruger Custer Obituary Nov 12, 2012 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9jUkxpby1IU1BZNjFWYll2dU16c2hMa1dRb0NVV1NhU25fczR3ZEsweGJIaGJmUUlJTEVKVkZsUGhwMVZyRnBuaGhRaTBpODRqY1hFTTdTZzVGQWRaMm9rbGY3aTVtODJnOFV0cA?oc=5) · Stevenson Funeral Homes
- 2022-05-09 [Roger Schmidt Obituary Oct 17, 2004 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE03TlVqd2loS1htUzJwUmk4QTF3dVFjS01aZ2E3YUJJcXpjQXNvYml0M0hka1pOSFNyZjhkdFJCRDZrUVZrM0RSNm11Q0V5dkt1TjNKWkFFNndLYVNoR3Bsc3VtTkcxQ1hVSDVla09n?oc=5) · Stevenson Funeral Homes
- 2022-09-24 [Marjorie Smith Obituary May 15, 2013 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTE5nVzE2NUpOQU1xTHB2Vm1NdkJjZXFvRVAxSVpRS3JNc01wVU5qRm83V1BEQ2VhdDJlMFZGanJuTmlkWXcxbmJGcW5RbEdMRVBpTEIzemtfRmVqSDE2T3FvLWVJVlp2eWFQQl9Ob3NoQQ?oc=5) · Stevenson Funeral Homes
- 2022-09-22 [Bennie Bechtold Obituary Sep 22, 2022 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBfZ3BkTW1yM0lWMnJZdVJwMXdUR1I2ZkhVR3pEMzdYNnpWbHF4eGVwdHJMOVBRb2R2UlpJc0lqV2hnb3J6WGhWeVVJbFBpQXJQRUw4N3lJZXVLVG9CVFZFaDJ3WEphZDVDejRKVVY1Tk0?oc=5) · Stevenson Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=352 (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/32.json (key "352", 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