# PRAIRIE MOUNTAIN BANK
GREAT FALLS, MT · FDIC certificate 57453 · asset band <$300M · latest filing 2019-09 · 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 | $96.7M | |
| Deposits | $84.4M | |
| Loans and leases | $78.9M | |
| Total equity | $10.3M | |
| Loans / deposits | 91.72% (p79 of band) | 77.79% |
| Liquid assets / assets | 16.16% (p15 of band) | |
| Uninsured deposits / deposits | 11.69% (p32 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.48% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.77% (p38 of band) | 11.56% |
| Unrealized securities loss / equity | 0.08% (p26 of band) | 0.80% |
| AOCI / equity | 0.18% (p18 of band) | |
| ROA (annualized) | 0.70% (p28 of band) | 1.05% |
| Net interest margin | 4.44% (p82 of band) | 3.84% |
| Efficiency ratio | 80.75% (p78 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 107.95% (p96 of band) | |
| Auto loans | $1.7M (2.15% of loans; DQ 1.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | losing money, charge-offs p90 | construction >100% equity |
| 2016-03 | 0 |  | losing money, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 1 |  | deposits shrinking, assets shrinking |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | construction >100% equity |  |

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

- 2021-11-12 [Complaint of Montana banks helping in bank fraud scheme dismissed - montanarightnow.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPcXBBUUdiU21OSmJoOF9IejctWDF6S0pQdUZ2MGc5N01STTAyMlY5UGx2SElJRzg0U1VCTGhqT2JSYzdrdktYbnQwSEV0VHYyOXpNaFk5MGEycVRGRVNyeDE5V0p2RVBCU3RnNHE4MXdmc0N3UXB0X3IydXhUUkUxT291UXU2VDdUUHJUT3BiRjAyVndxTjJVc2NrQkVvdjA4WnpzLU1KVXJMdWN5eFRLV296VVRGVFNsYjN0WnZSS2o4SHptUkxNV0lYa3g4cTY2TElBMHlNUGNSZl9kN1o1SHZXOVcxQVE0Q3JwRjczVUE?oc=5) · montanarightnow.com
- 2021-11-18 [Two local banks accused of complicity in fraud case - theelectricgf.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQLUZpOFdtLTBnazB3MVZXOEYwdnVLUGp4X3ZHRUhFNXNEbi1uOVFhX0U4clRhQlhxUEhVcW5yRzBTd1BIRXhJeldpNWVYa2NGVzE2OGs1M2ZPdW81dFJzdE5fMFFsNnVyY0RVYjEzdDVzaWYxdllvQ2tNWEFlY0NBZkpGRWlZdVJvX3VXdTlWXzk0MknSAZgBQVVfeXFMTnI4Ml9fYk9DQk1XRHhFSENvU0VmbGdhT25WZmtQYy1FaHVrU3N4OGRLamRFd1RYX041N0N4eWFEbldnMVQyUDdQWk96ak1RVDd6YjZJMWwyd2dJZ3pRMnF1UVJ0WDVNWWNnQnB6LVBfb2tIVW5WMS1wajJzR2pacGhUUXBXbjJMVHFtT1FqcnJEV1NsVExFWDk?oc=5) · theelectricgf.com
- 2022-07-18 [Complaint dismissed against 2 Great Falls banks in alleged check-kiting scheme - Great Falls Tribune](https://news.google.com/rss/articles/CBMi-wFBVV95cUxNbzRtRVlvNHczSU1JWEVaWUItTW5JSDVFUEV1ajQ5OVE1N0h0YmFRWDdtSjNyeEM4RXlkQ2JnOXdFeDdUTF9zUnYxQzBndnlTZThvRDVTeW0td0JzOVRQYUJoTFRLUUlwNFlNcldfbmVwcXhvb2hPQ2ZGX3U0amlteFR4X2dTaDBNZ1UwWXEtbTdPVkpubWQ5UlZTZHVEOG5lUXFmVmZYVGxUcUtwUDhsMldmZDhNTGZpSDc0Y1NkZ0Vxam9rNWtFZFdCa2RIQlpEekF0OHFMUmdKanVLZUFKTHJHN0lxdWF4NmZjSUxNc0xIX1ltOUIyd3I4WQ?oc=5) · Great Falls Tribune
- 2021-08-16 [Banks are competing to help the Great Falls Community Food Bank - KRTV](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNVFWaFRycTZtTXVsZS1UUG1UWlRnVDBKY1ZIYnNxd1BMSTljelF2MUNsS24wcHJoSHktTl9wUDVuNC1na1dqZlNOWWJSeVl5U1k3UXFQQTAtSS1KeTk3dXhxOGw4ak1EQ2FFdWllQ1A3bnFFZEEzN0ZoaU50TnhwMnBBbjJwRFhGS2JmTE5LX2E4VjAxNTBDZ3NB?oc=5) · KRTV
- 2011-04-12 [Kellie Mae Henderson Sentenced in U.S. District Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE04WWthQVloM05EV2hwNTlYOU1pRXJhbFVkZmhmNWlTcDRIU1JuWkd0WVlXU1ROQjBQWWIwY3RWcFBkaFRHY0kyejdwZ1ZQR0JMdDkzRU5URGhXV3ZkZlhrSjY1cFdDXzh0OGM4WUM1YUoxT1BUUzh4WE0yS1lTUQ?oc=5) · Department of Justice (.gov)
- 2015-02-19 [The Buzz: Former J Bar T site will house bank branch - Great Falls Tribune](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOc0RXR2dOZm5MNENWemZXc3B3XzBMUFZzV3lqMjRXYThKeWZ4X0dhUG9iWlY0azB0dTB0cTJRdVE2UzlMYURyeE1nUHlMc1lpdnFjY1ZtOFF5dmkwUC1YdDg4MU1jOWx4R1VHVGo2T01LUm5LNG9nMGdMd1pVMVhDZFJCSER6WlpJaEs3S0o0SFBraUVZQVFZSFJQdXFoU2pCa19pV0xRcF9jRWY1Z01RX2tac2RWTTJVNXRz?oc=5) · Great Falls Tribune
- 2013-09-13 [Local Banks Fundraising for Great Falls Community Food Bank - montanarightnow.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQM19MUnN2QXFpREtFT2JCeUFXemNDWEVGaWZsQjhuLUppcHZ5ZHpta2tOa0h2cVB1bURuNnBrZkhBNjdnRUZVM2JPLVg2YzByMmRaMjZGcVNPUlVnY1QyTWdNbTV5ZFFnTXRZLXgyZm04dGZ0Q2t3anpoZ0VyS1JvZEt1ODU2MkY1RTRocTQ1RDJMN1dMUmtnZFFWOXlQenZWaWpUQjdNdVdDaWJoRHU5WTlBZzVOOXZLQTZJTkpyaE5HUWJYYlZaU3JIcjJxRDlvdEQtTUYzUzU0b1RTbG9SWGhhOFNxUUhqX3RXNl9SRWFtanZBdVRRVFFQa25sbEk?oc=5) · montanarightnow.com
- 2009-12-22 [Michael Martinez Obituary (2009) - Great Falls, MT - Great Falls Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMingFBVV95cUxOSEFsUGRXS0c2VTY2cmtUY3lmRWxNSTJ3blRlNEdINzl4eE45QkFTY2ItbTRiUjQtelpLdDlzcVhIaHNrY0VyOHFsczVQcU1KR0VJTHJzODlYQlZZR1pZY2dWMURYcmJVTmxVZldZdzNYN3RIYXRPcElqSXVBaENjZlpyeVBwYWxqRlhxN0hGeGMxem93UlhZVGRWMkZ1UQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57453 (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/45.json (key "57453", 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