# WESTERN SECURITY BANK
BILLINGS, MT · FDIC certificate 57248 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $823.7M | |
| Deposits | $586.0M | |
| Loans and leases | $265.0M | |
| Total equity | $93.7M | |
| Loans / deposits | 44.00% (p5 of band) | 74.71% |
| Liquid assets / assets | 60.61% (p96 of band) | |
| Uninsured deposits / deposits | 10.83% (p43 of band) | 12.43% |
| Brokered deposits | 12.54% | |
| Wholesale funding | 29.14% (p97 of band) | |
| FHLB advances / assets | 13.84% | |
| Tier 1 leverage | 8.27% (p20 of band) | 9.54% |
| Unrealized securities loss / equity | 10.35% (p89 of band) | 3.32% |
| AOCI / equity | 1.04% (p93 of band) | |
| ROA (annualized) | 1.17% (p74 of band) | 0.80% |
| Net interest margin | 2.82% (p10 of band) | 3.67% |
| Efficiency ratio | 54.29% (p15 of band) | |
| Noncurrent loans | 0.14% (p6 of band) | 1.96% |
| Net charge-offs (annualized) | 0.13% (p52 of band) | |
| Reserve coverage of noncurrent | 1878.85% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 21.69% (p36 of band) | |
| Auto loans | $4.9M (1.86% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |

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

- 2025-12-26 [“One Class at a Time” honors teacher at Sandstone Elementary - KTVQ](https://news.google.com/rss/articles/CBMioAFBVV95cUxOU3JOVGFDUUdzZjhqLW5mdnpRQ2R2UXhHRWlMX0pndVZfRlhRek9nc2paX0VXRFk5cm5XaEpHeEV6dmxFbjBzYzV6c0N1cm9VNnlwbE5wZ1F4di1JZHpQQnpIbVN1Q21ycTJnWWdhaXhnSmx5TG05ZzRTeV9DNURSNVpEbFpqTkJlZ0tnMkIwNklteW9qX3BHZkpMb3YwUjd1?oc=5) · KTVQ
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2009-02-12 [Sally Ann Nutting Arraigned and Pleads Guilty in U.S. Federal Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE1zSzRhZlBlXzdTVXR3SXhPZ2s3aURGUFUxXzJGd0dpWVNRM1NnTEQzd0haZ055ZHItenZrYVlxbWFrNXRlMWRfX0VEWERLRVRicUVYakhVT0ltUjdwU2dudFU5NG9TUDN2em5BMEVNVUNYeUkxa0RFUUhwLU8tQQ?oc=5) · Department of Justice (.gov)
- 2023-08-09 [Wheatland Bank to Join the Glacier Family of Banks - Lake Chelan Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxORHBHUVhKdmprQWRrRjFqV3IzY0RPbWp1andjcUNQVjItekNFQzR0azlwRDZwbkdlbnhnNldOZ1JnLWYxaFJ3Z0ZjNXZoeGJ4S0dfd19EWDVpdzNoY3gtVE5aOWpCaVg5TWExMEZhWjVOZm55U3pRVjExS2ZjaXNuLV9nMA?oc=5) · Lake Chelan Now
- 2025-01-13 [Glacier Bancorp buys Bank of Idaho, folds it into Mountain West, others - BoiseDev](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5RM2pRQXh2OGh6OE1hLXpzRmNLNEVHU1BqZUJSdUhsZVI2cWFFYUltdDR5aTBqV3BHWFoyQTJjaGdYOVFsVVJWSVBuemZ6QlNXcDFndUNoWjQwNEt1c0FTLW9fT3Izd3M?oc=5) · BoiseDev
- 2020-06-07 [Edwards, Nearpass join Western Security Bank - Billings Gazette](https://news.google.com/rss/articles/CBMipAFBVV95cUxPYWJzdnowbG9LTUZnMUdJQmZLbFRhbERzSEhtTXU3ZlpEWksxYVM1aXdjZ1cwOUEyT2o5QVdneV9GejlMdzRxTnVLVGRMa3I5bU50UEUybzNiLXFxcE5GYndJcVFWaGVWd0N4cFhhd2Q5OENzSzQ2aFBMeDFiaGIyOGVSaS1QRGZTVjNKSGk5RUIzOGxUTzgtVHBlc1o5eHhaWWVJNw?oc=5) · Billings Gazette
- 2025-10-27 [Lyle Grimes Obituary Oct 27, 2025 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1FRFFGXy12aWxRRkRlS0lVcTAwOGVnZkFKakZrUV9Ob21OXzJSYnlVeFd0TEZsZHZqQS11cWloMWNwdEhHUGM4Z2NzM0dBQ2hEUlhONF9QYXR4MGhmRVR5Nw?oc=5) · Garden City Funeral Home and Crematory
- 2025-04-24 [Glacier Bancorp (GBCI) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE05Z1ljOU82VVF6S1h0LVY1NFVGMzZXSnp1Y244X0xqSl9adGVxNlItNjVqREJ3ZDZwMGdKT3pFeUViMVVjMzM5V1h6Ui1RSUdPSDlR?oc=5) · Stock Titan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57248 (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 "57248", 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