# STATE BANK&TRUST CO
DILLON, MT · FDIC certificate 357 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $97.1M | |
| Deposits | $86.9M | |
| Loans and leases | $50.6M | |
| Total equity | $9.7M | |
| Loans / deposits | 57.00% (p28 of band) | 69.17% |
| Liquid assets / assets | 44.76% (p70 of band) | |
| Uninsured deposits / deposits | 6.47% (p39 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.81% (p46 of band) | 10.02% |
| Unrealized securities loss / equity | 5.44% (p65 of band) | 3.21% |
| AOCI / equity | 1.88% (p92 of band) | |
| ROA (annualized) | 0.85% (p54 of band) | 0.78% |
| Net interest margin | 3.64% (p43 of band) | 3.76% |
| Efficiency ratio | 78.34% (p62 of band) | |
| Noncurrent loans | 2.74% (p72 of band) | 1.31% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 76.30% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 27.71% (p65 of band) | |
| Auto loans | $2.0M (4.04% of loans; DQ 3.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

## 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=357 (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/37.json (key "357", 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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