# TETON BANKS
FAIRFIELD, MT · FDIC certificate 364 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $200.3M | |
| Deposits | $172.5M | |
| Loans and leases | $122.6M | |
| Total equity | $25.3M | |
| Loans / deposits | 70.88% (p42 of band) | 75.30% |
| Liquid assets / assets | 28.05% (p44 of band) | |
| Uninsured deposits / deposits | 22.65% (p80 of band) | 14.23% |
| Brokered deposits | 2.78% | |
| Wholesale funding | 2.78% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.46% (p25 of band) | 10.87% |
| Unrealized securities loss / equity | 1.65% (p50 of band) | 1.65% |
| AOCI / equity | 1.79% (p74 of band) | |
| ROA (annualized) | 2.07% (p94 of band) | 0.88% |
| Net interest margin | 4.26% (p81 of band) | 3.67% |
| Efficiency ratio | 45.01% (p4 of band) | |
| Noncurrent loans | 0.96% (p59 of band) | 0.69% |
| Net charge-offs (annualized) | 0.03% (p62 of band) | |
| Reserve coverage of noncurrent | 24.04% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 8.81% (p37 of band) | |
| Auto loans | $3.5M (2.86% of loans; DQ 2.28%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 33 | |

## 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 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | capital falling, NIM <2.5%, reserve under noncurrent |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | capital falling | NIM <2.5% |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |

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

- 2012-07-12 [Teton Banks owners to be honored - Choteau Acantha](https://news.google.com/rss/articles/CBMijgFBVV95cUxNdVU3YjdPNmZsaWk3cDI3bjVzenRBSkh6a2xJMW93NE8zVzZXNGhXQXBuMkdYaE1NVmtJWUItVXB5OTRYRFRFQ2RqT0Ywd3JINzdDNWJwVDNFb0doYVU2VFZELXhQOFYwMjQwR2VQMGthUXdoVVp6bS1PX2JtTWVJMDF4NjgzUmk5ZDJVQkp3?oc=5) · Choteau Acantha
- 2015-07-24 [Choteau banker honored as exceptional community lender - Great Falls Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxNRjFfWXFnQ29DajRSUGVNYk9XNEthVk9aWWJVWUJWY1UtMGYtc050aFRXY0tJTmpscmI2dnk2LXIzVlFfUm9XbWJaWDNlTHJtNnNPdTM4MnVOaUlqR0Q2VThxb3piVFVvc0VEdUJXVVg1UkJGV2RKUE5ISkh5eU1LcUMyUEFJMHN5MzRpM19qcHB6LVprXzBHcUxRMEItNlNBaEEtN3FtalYxdEdoYTg0MXBoNllINklZZlE?oc=5) · Great Falls Tribune
- 2016-08-28 [Fairfield crash victim dies; officials identify teen - Great Falls Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOM0FPWmVnc1FDOXZGX3hLNy1CaldtRzFJS09TOXJwdDg4OENGcnc5UGFpV0dCaDlNdi1GcnhOdWJrNmI5c19NeHdQR2s4UTI3WklYSnNrQjZ3eE1IWGJlVTg3WWxlcFJHUm9zMmxZWXB2WDZwRWt3Vm5DN3lvalRQSC1mdHduWVNiV001Qmw0bnB3NldMMld6S09aNFRfS0U3MldOOEtlU3BBVlQ2OEFsdkFnd09MdVFJdlBtMXZEd3o?oc=5) · Great Falls Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=364 (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/44.json (key "364", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide