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Overview / Commentary
3660 Mullan Rd
Missoula, MT 59808

Treasure State Bank is headquartered in Missoula and is the 40th largest bank in the state of Montana. It is also the 5,576th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 16 employees at 1 location. Treasure State Bank has a C+ health rating.

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Use caution if you are considering doing business with this bank. They will tell you what you want to hear to get your business and accounts after which they become the most impersonal and untrustworthy bank you could imagine! All I am saying is there are many other banks to deposit with and get in return personal service, good deals on loans and other fair banking services. I wonder how they continue in business in the small community of Missoula Montana after their poor treatment of customers! Ask around and shop before you make a deposit, there are good banks in Missoula.   


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Treasure State Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Treasure State Bank had $4.13 million in non-current loans and owned real-estate with $8.72 million in equity and loan loss allowances on hand to cover it. This gives Treasure State Bank a Texas Ratio of 47.34% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Treasure State Bank decreased dramatically from 69.70% as of March 31, 2013 to 47.34% as of March 31, 2014, resulting in a positive change of 32.07%.This indicates that the balance sheet and financial strength for Treasure State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Treasure State Bank has decreased its total deposits by -$2.49 million, resulting in -4.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Treasure State Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Treasure State Bank has $65.37 million in assets with $8.72 million in equity, resulting in a capitalization level of 13.33%, which is excellent.

Institution Statistics

FDIC Certificate #58454
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$65.37 million
Loans$45.45 million
Deposits$54.74 million
Equity Capital$7.15 million
Loan Loss Allowance$1.57 million
Unbacked Noncurrent Loans$2.57 million
Real Estate Owned$1.56 million
Historic Data - March 2013
Assets$66.35 million
Equity Capital$6.25 million
Loan Loss Allowance$1.90 million
Unbacked Noncurrent Loans$2.57 million
Real Estate Owned$2.30 million
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets0.38%
Return on Equity3.54%
Interest Income$623,000
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Treasure State Bank Savings Account Rates

0.40%$10k-Health Savings Account
0.40%--IRA Variable Savings
0.25%$100-Personal Savings
0.25%--Youth Savings
0.25%$100-Business Savings

Treasure State Bank Money Market Rates

0.40%$100k-Money Market Account
0.40%$100k-Business Money Market Account

Treasure State Bank Checking Account Rates

0.05%$1k-Business NOW Checking
0.05%$500-Treasure Checking
0.05%--Gold Checking

Treasure State Bank Locations
Treasure State Bank3660 Mullan RoadMissoula, MT 59808