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 | |