Miles City, MT · Cert 16191 · Stockman Financial Corp.
State charter, non-member · FDIC · 47 branches
Q2 2026
Market Position · Billings, MT · 2026 SOD (annual) · 16.0% share · #3 of 13 inst. · $1.3B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.38% | 1.48% | 1.53% | 1.50% | +24 bps | |
| Return on Equity | 13.28% | 14.40% | 15.39% | 15.81% | 15.47% | +219 bps | |
| Net Interest Margin | 3.63% | 3.64% | 3.49% | 3.62% | 3.61% | -2 bps | |
| Efficiency Ratio | 51.35% | 50.99% | 49.93% | 48.89% | 50.38% | -97 bps | |
| Non-Interest Burden | 1.64% | 1.62% | 1.52% | 1.54% | 1.58% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.30% | 8.35% | 10.21% | 13.34% | 12.90% | +560 bps | |
| Loan Growth (YoY) | 14.66% | 10.45% | 9.93% | 7.71% | 8.92% | -574 bps | |
| Deposit Growth (YoY) | 9.68% | 8.83% | 10.30% | 12.31% | 10.98% | +130 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.65% | 0.63% | 0.66% | 0.62% | 0.60% | -5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.03% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.89% | 1.84% | 1.79% | 1.84% | 1.83% | -6 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.9x | 2.7x | 3.0x | 3.0x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.78% | 9.96% | 9.64% | 9.86% | 9.89% | +11 bps | |
| Total Risk-Based Capital | 12.98% | 12.97% | 12.84% | 13.30% | 13.27% | +28 bps | |
| Equity / Assets | 9.81% | 9.82% | 9.65% | 9.66% | 9.74% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.02% | 84.95% | 81.83% | 79.95% | 84.42% | -160 bps | |
| Liquid Assets / Assets | 0.68% | 1.77% | 0.28% | 1.67% | 0.43% | -25 bps | |
| CRE / Total Capital | n/a | 446% | 450% | 434% | n/a | n/a | |