Stockman Bank of Montana
Miles City, MT · Cert 16191 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Stockman Financial Corp.
State charter, non-member · FDIC · 47 branches
Q2 2026
$7.7BAssets
$5.2BLoans
$6.2BDeposits
$754.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of banks $1B-$10B in assets operating in a single state (rank 56 of 257).
- Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets operating in a single state (rank 173 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.48%
Rank 72 of 258
Net Interest Margin
3.61%
Rank 104 of 258
Efficiency Ratio
50.60%
Rank 56 of 257
Equity / Assets
9.74%
Rank 154 of 258
Non-interest income vs. expense
Unfavorable gap of $121.8M · efficiency ratio beats 79% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.93% | 1.23% | 1.54% | Beats 72% | 72 / 258 | | |
| Return on Equity | 15.23% | 9.26% | 11.84% | 14.74% | Beats 78% | 58 / 258 | | |
| Net Interest Margin | 3.61% | 3.16% | 3.49% | 3.88% | Beats 60% | 104 / 258 | | |
| Efficiency Ratio | 50.60% | 51.71% | 60.30% | 69.65% | Beats 79% | 56 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.19% | 0.46% | 0.90% | Beats 33% | 173 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 69% | 80 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 11.41% | 12.98% | 15.12% | Beats 34% | 171 / 258 | | |
| Total Risk-Based Capital Ratio | 13.27% | 12.10% | 13.91% | 16.08% | Beats 41% | 153 / 258 | | |
| Equity / Assets | 9.74% | 9.09% | 10.24% | 11.72% | Beats 40% | 154 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.42% | 73.24% | 86.34% | 95.95% | 46th pctl | 140 / 258 | | |
| Loans / Assets | 67.71% | 63.01% | 72.27% | 78.40% | 34th pctl | 171 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |