# TREASURE STATE BANK
MISSOULA, MT · FDIC certificate 58454 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $73.0M | |
| Deposits | $59.8M | |
| Loans and leases | $55.4M | |
| Total equity | $9.7M | |
| Loans / deposits | 90.72% (p79 of band) | 74.58% |
| Liquid assets / assets | 15.88% (p15 of band) | |
| Uninsured deposits / deposits | 13.40% (p47 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.46% (p64 of band) | |
| FHLB advances / assets | 4.46% | |
| Tier 1 leverage | 11.09% (p56 of band) | 10.79% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 2.02% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | 0.41% (p20 of band) | 0.86% |
| Net interest margin | 3.79% (p58 of band) | 3.65% |
| Efficiency ratio | 82.92% (p76 of band) | |
| Noncurrent loans | 1.21% (p66 of band) | 0.67% |
| Net charge-offs (annualized) | -0.06% (p7 of band) | |
| Reserve coverage of noncurrent | 162.95% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 49.47% (p81 of band) | |
| Auto loans | $441,000 (0.80% of loans; DQ 3.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 4 |  | leverage <7% |
| 2011-12 | 2 |  | charge-offs p90, construction >100% equity |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 6 | expense ratio p90, charge-offs p90 |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 5 |  | assets shrinking |
| 2014-03 | 2 |  | deposits shrinking, expense ratio p90, charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | noncurrent p90 |
| 2015-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |

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

- 2022-12-22 [Patrick L Coyle Obituary Jul 3, 2018 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5KQXpiQVN1Y2dCYXhFWk8zMWhuMFFVQUQ0ZzRGdERyRE1hMGtudHp1UEtURmlTSWFvbWxZSTdmY1JySEVSTTdNODlfeU1BaS1DcVZYek5mYkszSTNJNEluY0RaNA?oc=5) · Garden City Funeral Home and Crematory
- 2017-04-10 [Hayes of Davidson ranked among nation’s ‘Rainmakers’ - Great Falls Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUnpUN0ZsaVBqRm9lMlJGYm83My00OEtzZURObmxpcE1laDU5ZkdJWmxZYmk1RkhoR3dYZEpyMnYtZWdtdUJ6X01BNDl6TUl4REtfRF9YZEx2Z1BXQVg3SlhuUFRQMXMtV1JLR29fa3lNbV8tZEtPLThfWmNobW9uaUhWU1lsNWVOWnFlc3RaZ3VxTTJodTFkOVRNZEFYMC1KZlhGX0k5Zm5NTHduR0d5MTFJQUU?oc=5) · Great Falls Tribune
- 2014-03-09 [Duane Friez Obituary Mar 9, 2014 - Fidler-Isburg Funeral Chapels & Isburg Crematory](https://news.google.com/rss/articles/CBMidEFVX3lxTFB0MWhyQzVvZGVjaEFGbXNGdjZBdWxTNEg3TTJWU3hRaVhLazE0QmFvcnIxTTJfZU5PU0p4WjhTaXNVS2dTMkVtNXQ5RzIxaFEyS2ZsUG9wcFp2bVBvTzhzRUlmNVZIN05tYW1kTDlUS3hZY19y?oc=5) · Fidler-Isburg Funeral Chapels &amp; Isburg Crematory
- 2025-04-25 [Gloria Mae Fuhrman-Schlieve Obituary Apr 25, 2025 - michelottisawyers.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5XU3BfSHF6S3lXcW1kNlpEWTBFN0tCOGwxa1dkUjdpZ2ctWWVzMnNqbkczZmZfT01weUhkTDlUYkZZbU9Zc3p0bjdNSl9LWkNjQVQzNXBJSkx1amlJb2ppQVpyUHkyOWFQS1NNd0x0M3JHelZMbGZz?oc=5) · michelottisawyers.com
- 2017-08-02 [One year investigation ends with arrest for double-murder - montanarightnow.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPbTFiQWRWUnZuNlpOWGp5N2hhQ1B3NU9WSVFoTlk3WjgyX1F5RmJQakxnRHpCRVZTdV9rei1FVDRQRE5QelMwTE1rX1JONHE4cm9ubG9tYWJGMFptQTZBd1ZteUdpN041ZzhuUmpPcDVPRm5NdWQxQzdoaS10eTgwTHpqdkFNQjBUT1hkeHpYTllWWldzNTUwc0VxWUtlRFZpS1BXUVZsQmJQZEttN19rNVk1REJrSmMzdGlQNnU0MnBXNWdWN1FiZnVWQVpRT0ZIcHBkLUdYWGkyTXZ4?oc=5) · montanarightnow.com
- 2013-01-06 [EARL FUHRMAN Obituary (2013) - Green Valley, AZ - Green Valley News & Sun - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNWllBcHJCV2ROVU9OMFRPR0czcVdCOUZRR2tyR1BNRHlkR21DQUtHbUJRSTdWSjh1RG8tcmZycVh4bDY3SE5uN0lPTzFvNkJQcldOUFkzZmFBZklLbnpORExKR3hVakp0TVpOUXgzSElGSFVQQmFDMWVOVV9hdngzTzk2Z1hDb25xUHc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58454 (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/22.json (key "58454", 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