Manhattan, MT · Cert 11823 · MSB Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Bozeman, MT · 2026 SOD (annual) · 4.8% share · #7 of 16 inst. · $0.3B of $5.2B
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 | 0.83% | 0.91% | 1.03% | 1.05% | 1.06% | 1.10% | 1.03% | 1.11% | +6 bps | |
| Return on Equity | 12.09% | 13.28% | 14.51% | 14.42% | 14.09% | 14.20% | 12.23% | 13.19% | -122 bps | |
| Net Interest Margin | 3.16% | 3.19% | 3.40% | 3.50% | 3.52% | 3.50% | 3.52% | 3.54% | +4 bps | |
| Efficiency Ratio | 68.31% | 65.98% | 63.66% | 63.63% | 63.54% | 62.80% | 64.51% | 63.09% | -54 bps | |
| Non-Interest Burden | 2.07% | 2.01% | 2.07% | 2.12% | 2.13% | 2.09% | 2.18% | 2.13% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 3.10% | 8.52% | 2.15% | 3.97% | 4.46% | 1.54% | 8.66% | +651 bps | |
| Loan Growth (YoY) | 4.48% | -1.01% | -2.02% | -2.85% | -2.76% | 0.05% | 1.88% | 0.56% | +341 bps | |
| Deposit Growth (YoY) | -4.88% | 3.07% | 8.10% | 1.98% | 5.33% | 4.76% | 1.13% | 9.02% | +704 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.03% | 0.01% | 0.35% | +33 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.07% | +5 bps | |
| Allowance / Loans | 1.91% | 1.96% | 2.01% | 2.08% | 2.07% | 2.05% | 2.07% | 2.13% | +5 bps | |
| Allowance Coverage of NPLs | 75.3x | 93.7x | 81.1x | 111.9x | 125.9x | 61.5x | 139.5x | 6.0x | -105.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.80% | 9.55% | 9.89% | 10.03% | 10.05% | 10.04% | 9.90% | +1 bps | |
| Total Risk-Based Capital | 16.26% | 16.76% | 17.19% | 17.53% | 17.76% | 17.71% | 17.82% | 18.51% | +99 bps | |
| Equity / Assets | 7.67% | 6.96% | 7.24% | 7.65% | 8.29% | 8.43% | 8.36% | 8.37% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.13% | 73.26% | 67.85% | 69.77% | 70.28% | 69.97% | 68.35% | 64.35% | -542 bps | |
| Liquid Assets / Assets | 3.79% | 7.32% | 12.73% | 9.32% | 10.05% | 10.33% | 11.42% | 14.08% | +475 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 198.45% | 198.14% | 194.76% | n/a | n/a | |