Hardin, MT · Cert 11821 · Bitterroot Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (18 in holding)
Q2 2026
Market Position · Billings, MT · 2026 SOD (annual) · 1.3% share · #9 of 13 inst. · $0.1B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.09% | 0.45% | 0.42% | 0.51% | 0.73% | 1.46% | 1.31% | +89 bps | |
| Return on Equity | 10.81% | 11.01% | 4.82% | 4.36% | 5.21% | 7.40% | 14.60% | 13.01% | +865 bps | |
| Net Interest Margin | 3.85% | 3.70% | 3.86% | 3.78% | 3.80% | 3.76% | 4.06% | 4.02% | +24 bps | |
| Efficiency Ratio | 57.34% | 54.49% | 53.17% | 48.49% | 46.53% | 45.02% | 42.61% | 44.00% | -450 bps | |
| Non-Interest Burden | 2.06% | 1.87% | 1.97% | 1.68% | 1.59% | 1.52% | 1.58% | 1.61% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.43% | 39.90% | 42.42% | 36.67% | 29.72% | 23.92% | 15.96% | 11.23% | -2,544 bps | |
| Loan Growth (YoY) | 45.81% | 41.01% | 36.20% | 31.93% | 27.27% | 25.05% | 18.63% | 15.86% | -1,607 bps | |
| Deposit Growth (YoY) | 51.54% | 52.58% | 47.47% | 36.16% | 30.04% | 22.68% | 14.25% | 11.73% | -2,442 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.10% | 2.41% | 0.53% | 0.05% | 0.76% | 0.96% | 1.15% | +61 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.13% | 0.14% | 1.45% | 1.53% | 1.20% | 0.27% | 0.51% | -94 bps | |
| Allowance / Loans | 1.31% | 1.35% | 1.60% | 1.34% | 1.34% | 1.40% | 1.46% | 1.44% | +9 bps | |
| Allowance Coverage of NPLs | 4.6x | 13.5x | 0.7x | 2.5x | 27.7x | 1.8x | 1.5x | 1.3x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.16% | 9.75% | 10.22% | 10.62% | 10.31% | 10.16% | 10.40% | 10.34% | -28 bps | |
| Total Risk-Based Capital | 12.36% | 11.79% | 12.17% | 12.62% | 12.50% | 12.50% | 12.80% | 12.59% | -3 bps | |
| Equity / Assets | 9.88% | 9.31% | 9.47% | 10.11% | 10.05% | 9.96% | 10.07% | 10.19% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.43% | 99.30% | 95.21% | 98.61% | 100.25% | 101.22% | 98.86% | 102.25% | +364 bps | |
| Liquid Assets / Assets | 0.14% | 0.06% | 0.06% | 0.10% | 0.13% | 0.10% | 0.08% | 0.09% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 376% | 395% | 392% | n/a | n/a | |