Big Timber, MT · Cert 1972 · CBT Corp. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
53
Profitability
73
Liquidity
93
Efficiency
84
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Big Timber, MT · Cert 1972 · CBT Corp. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
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 | 1.13% | 0.99% | 1.41% | 1.43% | 1.48% | 1.17% | 1.32% | 1.43% | 0 bps | |
| Return on Equity | 11.70% | 10.32% | 14.49% | 14.51% | 14.88% | 11.71% | 13.12% | 13.98% | -53 bps | |
| Net Interest Margin | 3.39% | 3.28% | 3.70% | 3.70% | 3.70% | 3.63% | 4.02% | 4.01% | +31 bps | |
| Efficiency Ratio | 59.23% | 62.42% | 56.57% | 52.55% | 51.73% | 57.93% | 50.59% | 51.03% | -152 bps | |
| Non-Interest Burden | 1.85% | 1.91% | 1.93% | 1.77% | 1.73% | 1.95% | 1.86% | 1.86% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | 2.57% | 7.32% | 11.37% | 11.98% | 7.77% | 6.83% | 1.13% | -1,024 bps | |
| Loan Growth (YoY) | 9.37% | 13.39% | 12.15% | 9.94% | 10.14% | 14.55% | 16.97% | 17.68% | +773 bps | |
| Deposit Growth (YoY) | -6.52% | 2.07% | 2.92% | 3.09% | 8.16% | 7.12% | 10.73% | 8.31% | +522 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.13% | 0.08% | 0.09% | 2.04% | 2.39% | 3.17% | 3.15% | +306 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.99% | 2.06% | 2.08% | 1.96% | 1.90% | 2.08% | 2.15% | 2.13% | +17 bps | |
| Allowance Coverage of NPLs | 26.0x | 15.3x | 26.5x | 22.6x | 0.9x | 0.9x | 0.7x | 0.7x | -22.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 9.55% | 9.57% | 9.62% | 9.81% | 9.29% | 9.28% | 9.92% | +30 bps | |
| Total Risk-Based Capital | 17.02% | 17.71% | 17.12% | 17.30% | 17.31% | 17.36% | 15.95% | 16.21% | -109 bps | |
| Equity / Assets | 10.35% | 9.67% | 9.80% | 10.01% | 10.26% | 10.12% | 9.95% | 10.58% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.80% | 63.59% | 65.70% | 69.80% | 72.09% | 68.00% | 69.40% | 75.84% | +604 bps | |
| Liquid Assets / Assets | 9.81% | 18.26% | 16.78% | 17.43% | 18.10% | 19.17% | 14.86% | 12.44% | -499 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 192.27% | 208% | 219% | n/a | n/a | |
Big Timber, MT · Cert 1972 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CBT Corp. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
1.46%
Rank 180 of 746
Net Interest Margin
4.01%
Rank 245 of 746
Efficiency Ratio
51.03%
Rank 121 of 746
Equity / Assets
10.58%
Rank 360 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.72% | 1.06% | 1.45% | Beats 76% | 180 / 746 | ||
| Return on Equity | 13.80% | 6.74% | 10.51% | 13.63% | Beats 76% | 179 / 746 | ||
| Net Interest Margin | 4.01% | 3.17% | 3.68% | 4.16% | Beats 67% | 245 / 746 | ||
| Efficiency Ratio | 51.03% | 55.74% | 64.58% | 75.47% | Beats 84% | 121 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.15% | 0.09% | 0.42% | 1.07% | Beats 5% | 705 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.95% | 11.55% | 13.75% | 17.60% | Beats 61% | 290 / 746 | ||
| Total Risk-Based Capital Ratio | 16.21% | 11.71% | 14.33% | 18.43% | Beats 65% | 262 / 746 | ||
| Equity / Assets | 10.58% | 8.90% | 10.51% | 13.06% | Beats 52% | 360 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.84% | 61.31% | 78.27% | 90.78% | 45th pctl | 407 / 746 | ||
| Loans / Assets | 62.07% | 53.60% | 66.97% | 76.08% | 40th pctl | 451 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||