# BEARTOOTH BANK
BILLINGS, MT · FDIC certificate 58199 · asset band <$300M · latest filing 2020-09 · 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 | $69.5M | |
| Deposits | $57.8M | |
| Loans and leases | $52.0M | |
| Total equity | $11.4M | |
| Loans / deposits | 89.93% (p82 of band) | 72.51% |
| Liquid assets / assets | 15.62% (p9 of band) | |
| Uninsured deposits / deposits | 8.09% (p14 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.71% (p71 of band) | 10.85% |
| Unrealized securities loss / equity | 0.00% (p10 of band) | 2.55% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.39% (p17 of band) | 0.95% |
| Net interest margin | 3.59% (p51 of band) | 3.57% |
| Efficiency ratio | 77.20% (p69 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.49% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 63% | |
| Construction % of loans | 18.28% (p57 of band) | |
| Auto loans | $363,000 (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 44.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | charge-offs p90 |  |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 3 | uninsured deposits leaving |  |
| 2015-03 | 2 | losing money, expense ratio p90 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2015-06 | 1 |  | losing money |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | expense ratio p90 |
| 2016-03 | 2 | liquid assets <10%, uninsured deposits leaving |  |
| 2016-06 | 1 | capital falling | liquid assets <10%, uninsured deposits leaving |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 4 | deposits shrinking |  |
| 2017-09 | 3 |  | deposits shrinking |
| 2017-12 | 4 | capital falling, losing money | loans exceed deposits |
| 2018-03 | 0 |  | liquid assets <10%, uninsured deposits leaving, capital falling, losing money |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | uninsured deposits leaving | assets shrinking |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |

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

- 2021-06-09 [American Bank Center Announces Name Change - Business Wire](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZWtZblU2WnVZVE1kN3hnZjVORHBHdWpSck5qczBzWUU3NmlJZy1nWlYwYTQ3Q09fRHdOVWFTMzVkd1VWOUM0enlKeVJBWUtKT0RlY25uekUyWWsyVVZZNDNPdzFhcXZicnhCYUNyckZxNU1IR1dqQkloMlp6M0ZOaEpaUEtHY0g0RkZ3UjZTYzhKMnQ0V0tlNkI5V0NFUHVS?oc=5) · Business Wire
- 2025-06-24 [Adam Thomas Pelatt Obituary Jul 20, 2019 - michelottisawyers.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1UOUJvODRzSGNOSEpMRWZYc3pKZHVDVzdPOTVTZHBKd3RpTnhnUDNaU1pma3Y4dmlBUV9VRWdDTFZFWllzZmdndWU0Z1ZJOEdnSk5NdnVyYm9sWjF2X0hicGNLRWIydUE?oc=5) · michelottisawyers.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58199 (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/23.json (key "58199", 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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