# WEST ONE BANK
KALISPELL, MT · FDIC certificate 57534 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $40.1M | |
| Deposits | $28.7M | |
| Loans and leases | $32.1M | |
| Total equity | $6.3M | |
| Loans / deposits | 109.12% (p97 of band) | 71.50% |
| Liquid assets / assets | 11.36% (p6 of band) | |
| Uninsured deposits / deposits | 5.66% (p15 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.44% (p88 of band) | |
| FHLB advances / assets | 9.32% | |
| Tier 1 leverage | 15.43% (p89 of band) | 10.45% |
| Unrealized securities loss / equity | 0.00% (p33 of band) | 0.49% |
| AOCI / equity | 0.00% (p18 of band) | |
| ROA (annualized) | 1.45% (p84 of band) | 0.81% |
| Net interest margin | 4.85% (p94 of band) | 3.66% |
| Efficiency ratio | 70.18% (p40 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.76% |
| Net charge-offs (annualized) | -0.42% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 57.56% (p84 of band) | |
| Auto loans | $2.1M (6.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | loans exceed deposits, reserve under noncurrent |
| 2011-12 | 3 | losing money |  |
| 2012-03 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking | wholesale funding >15%, charge-offs p90, losing money |
| 2012-06 | 3 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-12 | 2 | deposits shrinking, assets shrinking |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking |
| 2013-06 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |

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

- 2025-06-04 [Obituary for Harry Little Bettis - potterchapel.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1xZzhlMnpKRWFqektoLWwwQkF0Uzkwc0FEalVacmNYXzZmaXpzc19pTnZTY2RHaXc3dG1tUTBpZm0tejhWRUFDQ1JLU2p6NDNFYTR3SWoyckZRVlBSTjJr?oc=5) · potterchapel.com
- 2026-03-04 [SELCO Community Credit Union announces retirement of senior VP Craig Carpenter - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPN2VWNzlFbUZZUkpRZFJRUGNnNzEyQ3RoNDhNZnFsTldVMmlaUGtjSHNoUDRxSUgzQ1JhalBqdHgtNWNRR1RHUnNvZ0diTEQzdVZlUkpGMnQzMTZpRnZubjZSVWl5N05jYkxrSWNYbURyYVNYMEE2T3BCaE5CbmlVSGpqTmNGMlZHaHpFZUhfbWhsU3h6V2dHSnhaN05MdmpMSTNaMUdJbVNjZGRZTkhrMkdqdUJNNXRxYzNv?oc=5) · CUInsight
- 2015-10-04 [Kalispell West One Bank offices rebranded as TrailWest Bank - Daily Inter Lake](https://news.google.com/rss/articles/CBMilgFBVV95cUxORmp0V1FxNVJlQk5tVnFPalFJOUZMZWxMVkxzUERzLXhoV3pNLWJVZjRoUDFONHRhUDRVeFFKSnNRc1BHUGFkN3NhUFZJUElGeXFzMTUyUlZHZ0tlOUR1NE01MFpVV1NBRUoyYVpyMHBxeDhlYjJ5Y3lPT1E4VFFXQUxFU0F2Nk8yRzVZM2x0ZnIzUXBhdlE?oc=5) · Daily Inter Lake
- 2026-02-06 [Brian L. Thompson Obituary Feb 6, 2026 - Bowman Funeral Directors](https://news.google.com/rss/articles/CBMiZkFVX3lxTE56dE5PeTVUTHJ0NlR6Z2xnRlliOEFSakFVR0MzU3EwU2FKMjZ6amtXX1Y3M0ZXNTdYcTlfckUwUS1KVnNINmVGd01QY1hQZlpYcDdMbjhXcUJUWTZSMVVaWkZ2WmFCZw?oc=5) · Bowman Funeral Directors
- 2025-08-30 [James & Carol Armstrong - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTE9wMmVwNDRjcnpRTGZEVWFIYmQzT242MEF0OU10ZkU5S3ZzMURYV29vSGtlaDhpejJfNEgzUkJNQnZLdW55MGg1a0dhSU1tOXJfZEdxQVhtNnJEanUzZGdGX0JZQkJFOXczbTkwYUhFWnkydw?oc=5) · Wood Funeral Home &amp; Crematory
- 2012-08-27 [Evergreen Establishes a Chamber of Commerce - Flathead Beacon](https://news.google.com/rss/articles/CBMiigFBVV95cUxNczlCb3RGQVNIaWFmM1RmQjlFQnZXc1NwdkZ0RGRTQ3ZnSU9RLUFSeExzcGFhWFFGQ0VseGlSaFJKU1M0NDgwUV9vNFZiZldwLXhKTmNjZURiTEFIWWQzTHpaTnhZU0ZsVlptNjVjNzBaRkg0STQtbXdSMGhja0xTTmFRX1U0eXFibXc?oc=5) · Flathead Beacon
- 2019-06-13 [Biography of Sally Jewell, Former U.S. Secretary of the Interior - ThoughtCo](https://news.google.com/rss/articles/CBMifEFVX3lxTE9tSDJZeWRNWHp2SzlTZEx2QTBpNVZGcTlTcU1IS0RyUGhaMG1ZVE5ZNWJKdkJuZ3FwNGVQUzIwLTNMajVpQWNtVHVNN0x2VmVEcVB0dUIzYmpYS3lzOFJTOHlGeE45RVRCNy1FeGxZeGJPbDUxNnVvbW9kMVg?oc=5) · ThoughtCo
- 2022-12-14 [Omar Wallace Fricke Obituary Dec 14, 2022 - Bowman Funeral Directors](https://news.google.com/rss/articles/CBMibEFVX3lxTE01MVprbUJxMlI1dklNNjRRSE1ySkswUU9obkxkZmE3dXg2SnZ2ZXZjanJodGhqY0h4V0pPckNaU0lSX2JuVWlSdm5iZS1sWml6bDlRcjNCWGd1U011cElEVlVZS1hRT0RVM3pQeQ?oc=5) · Bowman Funeral Directors

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57534 (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/62.json (key "57534", 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