1 star ratingAverage User Rating:
1 star rating based on 1 review.

Treasure State Bank

Treasure State Bank Locations
3660 Mullan Rd
Missoula, MT 59808-5124
406-543-8700
www.treasurestatebank.com

Treasure State Bank is headquartered in Missoula and is the 42nd largest bank in the state of Montana. It is also the 5,611st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 14 employees at 1 location. Treasure State Bank's money market rates are 14% higher than the national average, but it has a 2-star health rating.

Treasure State Bank Routing Number: 092905508

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4.01% Reward Checking Account at Treasure State Bank in Montana - 4/26/2009

Treasure State Bank is offering a reward checking account with the following rates and features if certain monthly requirements are met:4.01% APY on balances up to $50,0001.01% APY on balances over $50,0000.10% base rate if qualifications are not...



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See Rates for: Checking | Savings | Money Market

Treasure State Bank Checking Account Rates

ApyMinMaxProduct
0.20%$25k-Prime Checking Plus
0.20%$25k-Shareholder Checking
0.10%$1k-Prime Checking
0.10%--Prime Checking 50
0.10%$1k-Business NOW Checking
0.10%--Non Profit NOW Checking
0.10%--Preferred Checking

Treasure State Bank Savings Account Rates

ApyMinMaxProduct
0.50%$100-Treasure Savings
0.50%--Youth Treasure Savings
0.50%$100-Business Savings
0.50%$100-Health Savings Account
0.50%--IRA Variable Savings

Treasure State Bank Money Market Rates

ApyMinMaxProduct
0.65%$100k-Money Market Savings
0.65%$100k-Business Money Market Savings

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Treasure State Bank
FDIC Certificate #58454
BankRate ReportView
Year Established2007
Employees14
Primary RegulatorFDIC

Assets and Liabilities

Assets$75.78 million
Loans$48.87 million
Deposits$65.58 million
Equity Capital$5.72 million
Loan Loss Allowance$2.06 million
Unbacked Noncurrent Loans$5.31 million
Real Estate Owned$3.00 million

Historic Data - March 2011

Assets$80.37 million
Equity Capital$5.41 million
Loan Loss Allowance$2.19 million
Unbacked Noncurrent Loans$5.44 million
Real Estate Owned$3.63 million

Profit Margin - Quarterly

Net Interest Margin3.74%
Return on Assets0.22%
Return on Equity2.96%
Interest Income$819,000

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio1
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Treasure State Bank had $8.3 million in non-current loans and owned real-estate with $7.78 million in equity and loan loss allowances on hand to cover it. This gives Treasure State Bank a Texas Ratio of 106.71% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Treasure State Bank held steady from 119.44% as of March 31, 2011 to 106.71% as of March 31, 2012, resulting in a positive change of 10.66%.This indicates that the balance sheet and financial strength for Treasure State Bank has held steady in recent periods.
Deposit Growth1
In the past year, Treasure State Bank has decreased its total deposits by -$4.06 million, resulting in -5.84% 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 poor.
Capitalization4
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 $75.78 million in assets with $7.78 million in equity, resulting in a capitalization level of 10.27%, which is above average.
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A VERY DECEPTIVE INSTITUTION
1 stars - robin - Monday, February 27, 2012 - 8:42 AM

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.   

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