Belt, MT · Cert 15362
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Great Falls, MT · 2026 SOD (annual) · 3.4% share · #7 of 11 inst. · $0.1B of $2.2B
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 | 1.81% | 1.64% | 2.07% | 2.05% | 2.04% | 1.66% | 1.83% | 2.01% | -4 bps | |
| Return on Equity | 12.85% | 11.55% | 14.08% | 13.68% | 13.49% | 11.03% | 12.59% | 13.72% | +4 bps | |
| Net Interest Margin | 5.00% | 4.96% | 5.16% | 5.39% | 5.40% | 4.90% | 4.78% | 5.11% | -28 bps | |
| Efficiency Ratio | 50.36% | 55.50% | 45.90% | 47.43% | 48.72% | 55.16% | 49.86% | 48.41% | +98 bps | |
| Non-Interest Burden | 2.46% | 2.70% | 2.31% | 2.50% | 2.58% | 2.66% | 2.33% | 2.41% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.91% | 4.41% | 3.96% | -1.61% | -4.76% | 4.63% | 10.92% | 10.55% | +1,216 bps | |
| Loan Growth (YoY) | 17.64% | 14.86% | 8.61% | 1.20% | 4.01% | 3.36% | 1.91% | 4.17% | +297 bps | |
| Deposit Growth (YoY) | 7.90% | 7.97% | 6.28% | 6.00% | 1.16% | 4.55% | 12.76% | 11.54% | +554 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.65% | 0.25% | 0.28% | 1.48% | 1.33% | 4.51% | 3.85% | +357 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.19% | 1.22% | 1.25% | 1.20% | 1.14% | 1.33% | 1.38% | 1.29% | +9 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 5.0x | 4.3x | 0.8x | 1.0x | 0.3x | 0.3x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.36% | 15.26% | 15.43% | 16.00% | 16.19% | 14.65% | 14.22% | 14.83% | -117 bps | |
| Total Risk-Based Capital | 15.36% | 15.26% | 15.43% | 16.00% | 16.19% | 14.65% | 14.22% | 14.83% | -117 bps | |
| Equity / Assets | 13.89% | 14.51% | 14.94% | 15.48% | 15.71% | 14.87% | 14.22% | 14.81% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.15% | 99.14% | 102.30% | 107.03% | 110.16% | 98.02% | 92.45% | 99.96% | -707 bps | |
| Liquid Assets / Assets | 6.65% | 7.73% | 9.16% | 5.46% | 2.47% | 11.00% | 16.80% | 11.17% | +571 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 175.42% | 164.03% | 155.81% | n/a | n/a | |