# RAVALLI COUNTY BANK
HAMILTON, MT · FDIC certificate 8310 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $186.8M | |
| Deposits | $138.2M | |
| Loans and leases | $104.4M | |
| Total equity | $19.8M | |
| Loans / deposits | 73.40% (p56 of band) | 70.28% |
| Liquid assets / assets | 35.81% (p54 of band) | |
| Uninsured deposits / deposits | 5.01% (p30 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.25% (p91 of band) | |
| FHLB advances / assets | 15.25% | |
| Tier 1 leverage | 10.34% (p56 of band) | 9.92% |
| Unrealized securities loss / equity | 5.43% (p64 of band) | 3.23% |
| AOCI / equity | 1.65% (p56 of band) | |
| ROA (annualized) | -0.28% (p14 of band) | 0.69% |
| Net interest margin | 3.76% (p44 of band) | 3.86% |
| Efficiency ratio | 86.21% (p76 of band) | |
| Noncurrent loans | 5.93% (p90 of band) | 1.38% |
| Net charge-offs (annualized) | 1.33% (p92 of band) | |
| Reserve coverage of noncurrent | 48.53% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 50.12% (p79 of band) | |
| Auto loans | $418,000 (0.40% of loans; DQ 9.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 54 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 5 | capital falling, losing money, charge-offs p90 |  |

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

- 2024-04-16 [Stevensville’s Thomas recognized for service to community - Bitterroot Star](https://news.google.com/rss/articles/CBMilwFBVV95cUxNeXNITEFuT3pReFhXWnRNaFUxaDF3RmhYXzR6VU5oQmJ4QnhZejFpemJkOUZEeWFyc2Jnb2F5dnc5RVRhOWdxRWNBemZXNXJvV2hyV3htSXg5T2RVMFd4eGpTYjZSenZfRm1GZXMzYWxzc3l1QVFGLWVSeW1lMXFKTUxvQzlzNjZBY2k5c21QSHZoSkxUZVZn?oc=5) · Bitterroot Star
- 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
- 2014-11-08 [Patti Marcinkowski Furniss Obituary Nov 8, 2014 - Garden City Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9FQXZ0MW45T3k4ZVJSX2l4RnlyUlNiTFpROGVZVGpEWFFrWnFQY0Z4UzBTWENHNjVhcnJfUERMdktocXpZUlFHVFRBZVhncmhMRWVCU1poSkxreDdwMXpjRzJ2cw?oc=5) · Garden City Funeral Home and Crematory
- 2020-09-11 [Head-on crash on Highway 93 stalls traffic near Ravalli - NBC Montana](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUWJyYUxVR05WSDI3ZXNjVTY2cnFMeXk5NXFIb2hZeFgxa2xUV2RQNk9BcFhTNDhZaWNHZHVLb0VGSzVVbWwwRWZ1b29pVmUxRE9JcXRWSTg3Q0FLVnlFSUFCMlh4LXFKcnp3WDZMdzJhdDdhWkNwekFKZHpkeHpHUi0tUi1SaU1KQUNQbUYyQ3huVUU?oc=5) · NBC Montana
- 2022-09-23 [Bonita Shulund Obituary (1943 - 2022) - Hamilton, MT - Ravalli Republic - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOS1ZjdlV2c1RKeWhHTExTMy00V0w0WWdQYjVKQ1piWElJOWpEU1BZQTE0UkQtN0o3MWRvNURDZjd1UUVhSmhnOG81NnMwbjNvWS1IRlZxNUoySzBiTWpZSW9KVHh6YlZ1Nzc5QjkzVXZJdnBKaUdaTm5JZ1BpTXFLQ3FxYnRfTEpxX01BTW51c2ppZklKRkJNUw?oc=5) · legacy.com
- 2025-02-06 [Nicholas Hallett Obituary (1947 - 2025) - Hamilton, Mt, MT - Ravalli Republic - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMjVjTkhvd3Y5c0N3WDQyRXZYc3MxVVlDSXo5Y2I3TzVWWnM3RnhEcmJBaEhYbDNpV3FKWFktYUlXZ093a29abS1PdGdJUGd1c2xTQVpudE1FZTdpbFRKSkRGZ3dBVXpsN1V0YXJFQ0hJUXJzcmwwcmhQMlU1ZmxxTDIwWndsb0poUmd5UkVsb01xb1VDbG4yVEN0RQ?oc=5) · legacy.com
- 2013-06-05 [Jared Wade Lucas - Bitterroot Star](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5GejBENFEtN0NwSmg0UlVOZVBMZkowTUJFdXVZaTdWRy1fd2h1Y0twR0JoQ3NwWXpwRmxVVmtoQUFMa2NHRV9rT3RJcDJ0bklRMFFTaHMtTEY3dGk0WVhZelJR?oc=5) · Bitterroot Star
- 2008-03-06 [Russell Betz Obituary (2008) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNFVDQ3ZIUHdtVENOeExVQW9LcTZXXzNZZXNOd29jM0xQQmc3bFg4V3hIeVRZRzc4ZmpsNUk2SVFoU0Zfa21nU1BycUowUTJUMjBRcm5kNzIxVHpfWTA0TVg5SXNJTENCMjZOb0kwbWpZVXlLTmN6cDdhRzI3MlIxV0tNbWx5MWRYVVlGS09UXzlZdVhsOHRrbg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8310 (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/54.json (key "8310", 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