# BASIN STATE BANK
STANFORD, MT · FDIC certificate 8314 · asset band <$300M · latest filing 2014-06 · 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 | $153.3M | |
| Deposits | $133.1M | |
| Loans and leases | $107.7M | |
| Total equity | $17.8M | |
| Loans / deposits | 80.94% (p71 of band) | 70.22% |
| Liquid assets / assets | 22.66% (p23 of band) | |
| Uninsured deposits / deposits | 16.20% (p66 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.06% (p44 of band) | |
| FHLB advances / assets | 1.06% | |
| Tier 1 leverage | 9.73% (p37 of band) | 10.41% |
| Unrealized securities loss / equity | 0.40% (p54 of band) | 0.24% |
| AOCI / equity | 0.40% (p31 of band) | |
| ROA (annualized) | 0.40% (p24 of band) | 0.79% |
| Net interest margin | 0.68% (p1 of band) | 3.62% |
| Efficiency ratio | 40.81% (p2 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 23% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $723,000 (0.67% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | NIM <2.5% |  |

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

- 2014-02-11 [The Buzz: Stockman Bank will buy Basin State Bank - Great Falls Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxOcm1QOGhLOTJrYmJGSDFtY2h0VU5ROERSd2JrT2R6SlV2MFJkc25mU1otRExmaG1uRktBSFo4Q09EVEphN0lmRHVlR3dZUWFsMk1rcGZ3bzNzRUd2cWtSVHhWS01yMmt4Qjh5dWFKOHhuS29KcWRDOUhDQ1dONzRkWklRamc3RkpYV2FvOG9zbzNoTTU4ZVR6cTZTTVUzbS1jcXVEUkFqOWxnRmI5QXROZzJSajU?oc=5) · Great Falls Tribune
- 2021-03-20 [Lance Duane Davis Obituary Mar 20, 2021 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9SRkRzUldDa3RlY3pqMFRLU0VFal83RkM0SXljUmtzbE13VXhjSGVWaUYzNXVaOE1EZ25CSVdEQ2R1SVQ5ejU4V2pia1lpUkJFQ053ZEc5ZGl5cmRfS2s2ajhJQnNjMzhraGc?oc=5) · Schnider Funeral Home
- 2019-07-22 [Obituary: Aline Moore - KBZK News](https://news.google.com/rss/articles/CBMickFVX3lxTE93X0Y1M3drYVcyWHYySDNad2RLNWttQ1FORWxSSGJlMVNrNXUwRTZWa042SlBrR3d5blNtWW0xcDhJQWwzUWpKOGt1RFEzdURYTmVyMGswUThEWGdPellOcW44T1FvVzRWZk16UzJHaEVTZw?oc=5) · KBZK News
- 2011-06-08 [Patrick Kirby Obituary (2011) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZnlEN1JSc2pUWWl1b2xfLXE0VEdRUll4UGVaVjJsTHEzX0JXR2ptZ2pJYk5Ud0lDUThvaTdBa2JPZXVoSlVYTEd1M3lCZVJKaDAtS0hJUk84LVdQUjJkWF9hOVdpT0l3SjZyMVFycGlMcWUyMmJuT2tQRVpoQnhKWW5TeXo0OGF0VV9zVE54Y0t1eXdEV0NvTGVR?oc=5) · legacy.com
- 2022-01-24 [Marian Stevenson Obituary - Great Falls Tribune](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1TVVFINVVMNXBzSkwzQU9xWXo2QURPdnpyX3dUdmZYLXJUMWlFdllBNUJTT3FDYXpEdVU4Nk5oYjFLZHdtNjJnTTd3NjA2RFJPbDcxcGxHaWxGNkZkUGJYM194QnQ?oc=5) · Great Falls Tribune
- 2009-01-05 [Nathan Taylor Obituary (2009) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZ0pNeGZ6cFdhR0NnQzN1REdxbG8teFRxTGVFVTFvS0E5bGFVQU5GSVlpN3RvdWpqaE9WZHdUXzEyTEtDZTBqUms1YkJOUGROMUpTUXQ1OEwwUk9yLVhPdkctQXFNSmxyNkJkdkI5Z0s4b21MM0tBZjNPX19jc0VEVUpQY3JDcEpyWVJiN05Kb0JDckFzNjVJ?oc=5) · legacy.com
- 2010-11-10 [Susan Ridgeway Obituary (2010) - Lewistown, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNaW12eUlFLUdha1EyM2xlVFIwOXd3T2pLNzZvWV9PUWhBRkdXdkdLdXhyNk9mVzFOYjkzLWl6cnB4Ump3R0hDZkxLaVkwRG1Rb2Y1UVpvOWJFZ3E1d0d2OWhXUTlDTjFheVpOeEk4dE5HQ1QwNU5pQWJLRGZyWlJjdktqWWFLRVRDNnVFcVBoa1JOTXdDdUZR?oc=5) · legacy.com
- 2010-05-18 [Sharon Slaback Obituary (2010) - Great Falls, MT - Great Falls Tribune - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPcklnSkdkZ0FoTUR1YnRGU3I1SXZ3T1pRTl8tRlY4dE1uZjlRN2VNY0VqeTBSc3BjYjhzenNUbXQ2aWV5TGpSa3NzV0FKaWxfa2FQZnpqRjBSbjNud2Fxc2lpaW1uZHZZb2QwbFVqSDdVclZ4YW1UYjdXLWdxazFDU3lGalNLcjRVOWZweUh4Q01MRVdULWJDT3VOOA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8314 (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/58.json (key "8314", 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