Ennis, MT · Cert 19544 · Jackass Creek Land&Livestock
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Helena, MT · 2026 SOD (annual) · 1.9% share · #8 of 14 inst. · $0.1B of $2.9B
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 | 0.74% | 0.70% | 0.57% | 0.42% | 0.50% | 0.55% | 0.73% | 0.84% | +43 bps | |
| Return on Equity | 9.04% | 8.59% | 6.94% | 5.09% | 6.08% | 6.55% | 8.57% | 9.75% | +466 bps | |
| Net Interest Margin | 3.01% | 3.04% | 3.31% | 3.17% | 3.19% | 3.25% | 3.54% | 3.55% | +38 bps | |
| Efficiency Ratio | 72.64% | 74.46% | 79.76% | 84.86% | 81.82% | 80.90% | 74.93% | 70.68% | -1,418 bps | |
| Non-Interest Burden | 2.07% | 2.16% | 2.58% | 2.65% | 2.57% | 2.59% | 2.59% | 2.43% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | -1.65% | -0.56% | 1.94% | 1.85% | 1.94% | 5.00% | -1.05% | -299 bps | |
| Loan Growth (YoY) | -0.50% | -1.15% | -0.60% | -2.36% | -4.75% | -0.95% | -2.31% | -1.01% | +135 bps | |
| Deposit Growth (YoY) | 2.18% | 0.87% | 2.56% | 3.83% | 1.88% | 1.33% | 9.81% | 1.25% | -258 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 1.12% | 1.17% | 1.37% | 1.07% | 1.25% | 1.52% | 1.27% | -10 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.10% | -0.03% | 0.01% | 0.00% | 0.01% | -0.03% | -0.01% | -2 bps | |
| Allowance / Loans | 1.53% | 1.56% | 1.59% | 1.58% | 1.60% | 1.56% | 1.61% | 1.64% | +6 bps | |
| Allowance Coverage of NPLs | 3.1x | 1.4x | 1.4x | 1.1x | 1.5x | 1.3x | 1.1x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.91% | 8.74% | 9.08% | 8.85% | 8.82% | 8.74% | 9.26% | 9.24% | +40 bps | |
| Total Risk-Based Capital | 14.58% | 14.65% | 15.07% | 14.94% | 15.19% | 15.31% | 15.64% | 15.77% | +83 bps | |
| Equity / Assets | 8.31% | 8.28% | 8.24% | 8.13% | 8.32% | 8.86% | 8.18% | 8.95% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.60% | 55.95% | 55.16% | 54.94% | 51.04% | 54.69% | 49.07% | 53.72% | -123 bps | |
| Liquid Assets / Assets | 35.54% | 33.67% | 34.28% | 33.04% | 34.83% | 31.56% | 37.02% | 30.79% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 262% | 267% | 256% | n/a | n/a | |