# BANK OF BOZEMAN
BOZEMAN, MT · FDIC certificate 57952 · asset band <$300M · latest filing 2026-06 · live

**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 | $108.4M | |
| Deposits | $96.4M | |
| Loans and leases | $79.3M | |
| Total equity | $11.0M | |
| Loans / deposits | 81.04% (p64 of band) | 73.59% |
| Liquid assets / assets | 23.25% (p29 of band) | |
| Uninsured deposits / deposits | 24.53% (p67 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.20% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -7.56% (p47 of band) | -6.57% |
| AOCI / equity | 0.49% (p94 of band) | |
| ROA (annualized) | 0.84% (p32 of band) | 1.17% |
| Net interest margin | 4.38% (p72 of band) | 3.93% |
| Efficiency ratio | 77.59% (p74 of band) | |
| Noncurrent loans | 0.39% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 380.39% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 86.19% (p91 of band) | |
| Auto loans | $207,000 (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 7 | capital falling, deposits shrinking, assets shrinking | NIM <2.5%, charge-offs p90 |
| 2012-06 | 3 |  | reserve under noncurrent, capital falling, deposits shrinking, assets shrinking |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 2 |  | losing money, capital falling |
| 2013-06 | 3 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | expense ratio p90, uninsured deposits leaving | construction >100% equity |
| 2014-03 | 2 | construction >100% equity | assets shrinking, expense ratio p90, uninsured deposits leaving |
| 2014-06 | 0 |  | deposits shrinking, construction >100% equity |
| 2014-09 | 2 | capital falling, expense ratio p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | construction >100% equity | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | expense ratio p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | liquid assets <10%, capital falling |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | uninsured deposits leaving |  |
| 2019-12 | 2 | reserve under noncurrent | liquid assets <10%, uninsured deposits leaving |
| 2020-03 | 4 | liquid assets <10%, capital falling |  |
| 2020-06 | 2 |  | reserve under noncurrent, liquid assets <10% |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | construction >100% equity |
| 2022-06 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 | wholesale funding >15% |  |
| 2023-09 | 4 |  | wholesale funding >15% |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 | charge-offs p90, assets shrinking | construction >100% equity |
| 2024-09 | 0 |  | charge-offs p90, assets shrinking |
| 2024-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-02-13 [Bozeman Bank president cites promotion culture after best workplace nomination - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMigAJBVV95cUxPdzVmemp6a2tCYWUtckVEYi1fclZoaEpBZjhBQ2NQdFBuMTlUSVJxU1NqWS1GSWo0MnFKcDlsSnUxcEpaVGx6LVJ1a1k1OUdKUnNCTlU1NFN5bXlsWlA4NlBudVp2d3p5MXhCSF9BQ3Nkc09rNWZtcTQ4cG5Kcm1QNzFwYnQ3RFkyTWJwMUVVMmppNEk2R1p1WVVHNnFLZk1heG54eEkxbjNOdlNwYV9teldMaUQxb2NPOWxqN1FjQ0czYWpoMm52MXBndVR6QmNfcVdVVS1mc19mNkJkQ1BQcGx5Q2FaR2k4RklnQmlCbHBaV3JUZmQ1alJhTTdtcWFl?oc=5) · Bozeman Daily Chronicle
- 2025-01-12 [Laura ClarkClass A Director - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9jNmNMS0xpRGF1NXRmN0VyUkxyUEFQM3JTVklMdmc0aVp6dDFQV1BPZFo3YXFGMHlNLXp0T1U1V0RTanZlWGJnVEsyUEkwTWhUeXM4TnNXa3hJcTI5WFE?oc=5) · Federal Reserve Bank of Minneapolis
- 2019-12-16 [Mountain West Bank moves downtown Boise branch - Idaho Business Review](https://news.google.com/rss/articles/CBMilAFBVV95cUxObXo1UGZia2NZbGtYRGlFMDhNRUZ1QUwwX2h0Zjc5TDR5TGZLSmdPTXNZNzNLN3JzTVFvOFJSbkcyNUZIMFFXSG5SRVRVMEdaRmVOcHZZN0RTaW1sUW1ZLVJWajZWc1I1b19URl9mcXY4dEt4LWY1b1FwSmxlOFZwd0FMeHNTMXZNRW8wbFF5MUFqa1VI?oc=5) · Idaho Business Review
- 2025-03-07 [People in Business for March 8, 2025 - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOVkdyMmItckx0NVJsY2xhM2VMN0ZJR3BaT2dkTnMzV2JfbDBMeGJQWi1uYjlSbUQzZlppU3QwTHN6d250ekwtcWtvN2RnZjh2NTJXNHN0R1doaGFROXpyWmxDZlk1RktJZXdQX0xPTGxhcUZUcmlmZURWVUtHVEU5VjRlbTZISnd0ekJyekNsZ29UdjlnbGNnNlp3aXVHbTdGVDFiWjNDbjNuck5lOFAxY0dwQVExVS04cEVwc2xHUEplYzVmYlhmRHhDcmpjWHdYOVpF?oc=5) · Bozeman Daily Chronicle
- 2026-06-25 [Wayne Gibson Obituary (1936 - 2026) - Bozeman, MT - Helena Independent Record - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNYXAzS2Q1ZTkyb09kdG0wQjF2UmFxTWMybXAzalNhVzhiOFk5VmFEQVgyWi14Z1pRaHh1MWhDTVc3djYwMUtwb2lHZUh0d2IwSU4tVTJKdWg5TGRDSnlCODJTaFNEa2pXdTRkdGdXQk5iMktOXzVObzdVcTJiQk1ZSUV6MjhTMUloVnpEVg?oc=5) · legacy.com
- 2021-05-29 [People in business for May 30, 2021 - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPY2l0TnVoOWctV1BkYU9JVXVBM0loOEtrZzVkQ1JrY2lIWFNqNzNkNkZEdnEybHc0bFJGLXdNeG1waXYxRmE1NWxDbjJFVXk3RFpQOUNyR0ZOQzR5Z2ZndWVUUzhMQzBhNW81YzJISjlNazlta1RTc0dyZ19FOTRQTmpvT1ZnTUFWUUprMk0xUmdGVkpSWmcwc1JtZFhpSnVHVEIwRVRDczVOUTlJdWdUM2k2MDN3MWY3S1JMNFZzdUpDNElOVmszMFFacU1HaXBCYnc?oc=5) · Bozeman Daily Chronicle
- 2011-02-26 [Col. Black built first bank, developed early Bozeman - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOamZhRzBUeE5yZE91ckpsSlpFNXo5YUt2OEdfRHRRQXFnNEp6eTEtM1llTTFBNV9TV2dzYWxDQ0RGejRlQlowZWxDTFhzYjNKRTdxazR0SWUzU0JaM2dyWU9MRHJyVkhoZTMtRXR1ZTM1Q0tuT3ZLOW1KZDd3NkxPMFRCY1NLUHVPaTgtSEk2c2hEWUJiRW9ReGFtWmpxcGk5Y29uaklhWDJJeVB4SEd6aC0yTzlCNWpGRTU3UVRBYTl3UFB5dGFLWlFqSFN6TmFfS1pOeE05Njhfc2xZLXRkOHJtdENZWWpfc05yVQ?oc=5) · Bozeman Daily Chronicle
- 2011-11-03 [Bank grabs Story Mill, trailer court for $6.2 million - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOcFp3ZGNDTmo2VGVyaFZGU2J2SXNwU3dVU19jUWZXdV9sTXlMMUhjS2pidGhLTjE5R19mVkVZX19raEV1ZE1fNFhsUEE0V2MxZWpDNzJ2UG5XekF5SWlQZ09lQ0dFTmVucmxyc0Y4Yl9WbXVfeHFqQ0hzRnc1VU5UWW9iaURwbTNfVG9nY003X2E0Y3NJcHQxdEVnYzJ1S1RoZU5fNmNYMlNSNWEwelBrVHRPUWFNQlF3T19zcGEySmxvZDZXVm1EQlM0N0VUbEE1c05XQUpkSzhqTVNxUGRqaXVDaWJtMlE?oc=5) · Bozeman Daily Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57952 (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 "57952", 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