# STOCKMENS BANK
CASCADE, MT · FDIC certificate 358 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $43.7M | |
| Deposits | $40.2M | |
| Loans and leases | $11.5M | |
| Total equity | $3.2M | |
| Loans / deposits | 27.91% (p7 of band) | 72.20% |
| Liquid assets / assets | 73.37% (p95 of band) | |
| Uninsured deposits / deposits | 9.09% (p12 of band) | 19.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.97% (p4 of band) | 11.46% |
| Unrealized securities loss / equity | -8.98% (p61 of band) | -13.79% |
| AOCI / equity | 5.28% (p93 of band) | |
| ROA (annualized) | -0.11% (p9 of band) | 0.90% |
| Net interest margin | 3.47% (p46 of band) | 3.57% |
| Efficiency ratio | 102.99% (p92 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 56% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $300,000 (2.62% of loans; DQ 1.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | capital falling | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 | uninsured deposits leaving | capital falling |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 |  | deposits shrinking |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2018-03 | 1 | uninsured deposits leaving | capital falling |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 1 | reserve under noncurrent | deposits shrinking |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | uninsured deposits leaving | capital falling |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  | NIM <2.5% |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 3 |  | deposits shrinking, assets shrinking |
| 2024-12 | 3 | capital falling, losing money, expense ratio p90 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |

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

- 2024-10-19 [Citizens Alliance Bank plans to buy Stockmens Bank - KRTV](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ3ExU3B3dVdSUW1VUEkwZUh1MThGMWVsS3gyd3BLVTZvY2VaRlJVZEYwWlpROHJqcUdWSVowV0NSdTlweXpNTENqeGZ6ZEpEQTljUkV0WUp1MnFqN0hFWWJzT1dvU0wyU2FBM0lwSXRvVG5sSmVKT0lRa3ZuYUZzZ3JabTNRcmdFamU1WHhBMF92NlNfdFJsR1c4OElYNFU?oc=5) · KRTV
- 2025-01-23 [Stockmens Bank parent reports annual dip in profits - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOci1reVltN3ZyODdhUFA5YnhwN0hVN2FqcEoxZTZFMWpNVGJNT3hmOHBSdGpQZjFsRVF0MlVfa3pEZzJ2bkd4MmxNVnNqYkVmY0ItWkRiUlhmNjZubzJfOW55YldlTzVnSlliUTlCQnFaLXBtUFdvTGlkaVlrZ2ZoSlVLelRhOXBX?oc=5) · Springfield Business Journal
- 2019-04-11 [Ceremony marks name change from First Home Bank to Stockmens Bank - Ozark County Times |](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUjUzOTQ4bEo5SVVidUctNmNCOHF1d0NCUUQwMEdZZU9Gb0N5dG9lZlZuSGVfX201T0tzb1lqSERUT2ZPemtOMEpyVGNJekdncGg5TnBqOGpQWkhCcXhtTUt0dVIxd1dqbDItWG5LSXplek51ZktlSmZwcWZjRjBOcTAwUEs1dDlRVGxtcC1TM0Jldmc5dWNhdWZudm03TE9RVl9mdQ?oc=5) · Ozark County Times |
- 2020-10-27 [Bullock, Daines and Montana’s growing pains - High Country News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPUTBjN2o1YUVwWDlEbC1xek00aU1OX3M2cVVDbFNPSDQ1Wk5oaXNJZjltOUNlWGxBR1NCWVllc0RtU1VmOF9nbEt4X012YzZEYndWdlhkQXpaQmx5dEd2UDZ2SGdCWHIyQ1dDSlV2NG55dlVpVkRwVDR6TE1QN2FjLWVlTFpTT3NheHVRNw?oc=5) · High Country News
- 2026-08-28 [Stockmens Bank expanding Marshfield branch - Springfield Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE1YWGdqYzZ0TWxpTGI0ZVI4aWJ5NUlhT3QwcEdlNmpjakRKd2RKdjA5ZjdCUGJtc19nSE9tM1BYYnFySVVqUmktT2FhNmdFcnUtN1ZKZ1EyZlI2dnBmTVd0R19mR3ZOT2d2WTlPMEtCTjEyMHVIWnZPZ3VjeHV0UQ?oc=5) · Springfield Business Journal
- 2026-07-25 [First Bancshares, Inc. Announces Operating Results for the Quarter Ended June 30, 2026 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2016-11-24 [Midcentury landmark in Phoenix gets remodeled - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMixAFBVV95cUxPTXg3QUpuSWRtbHAtT3V2cFUxcG5jZFBzZzRzTDlkbWhweFM4R2JtU05zdlpYcm90d2NXcEFGaklWbjV3MHRPV3BJaE5QSkhIVDFmQ1FjYmFkQjRHUl9CZ3JBLWp6aVlLWjFreFZSSEtvblZTSndSOTZhWXhWSDhVS0FvZDdMdzFkbmIyZmh0LUpoZG4tRkpCLTFNZnpvUkJNOEdLV2FlOUZEZnFfY2VyZEhLMDJMSE5WcWhNUTNXYUt4Tjgz?oc=5) · azcentral.com and The Arizona Republic
- 2019-04-08 [First Home Bank undergoes name change - Springfield Business Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE0xT2h4N0VjMllMbkdsS0dHQnY4dVBQM2lSYzdPNm5jMS1WVFdfWkFEUjk2R0JBR1RHN3pyZ2J5cGRuSW0xOGJNV3VPUzgyMDRWQmV5R2FuZ3VrZjhHdUpreTJ3M0FVX0EwblJncGxxT3dLRFVWSHc?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=358 (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/38.json (key "358", 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