Ascent Bank
Helena, MT · Cert 20162 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Ascent Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
$104.1MAssets
$82.5MLoans
$92.4MDeposits
$9.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks under $1B in assets operating in a single state (rank 140 of 746).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 694 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.27%
Rank 259 of 746
Net Interest Margin
4.31%
Rank 140 of 746
Efficiency Ratio
57.58%
Rank 233 of 746
Equity / Assets
9.08%
Rank 542 of 746
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 69% of banks under $1B 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 | 1.27% | 0.72% | 1.06% | 1.45% | Beats 65% | 259 / 746 | | |
| Return on Equity | 13.97% | 6.74% | 10.51% | 13.63% | Beats 77% | 174 / 746 | | |
| Net Interest Margin | 4.31% | 3.17% | 3.68% | 4.16% | Beats 81% | 140 / 746 | | |
| Efficiency Ratio | 57.58% | 55.74% | 64.58% | 75.47% | Beats 69% | 233 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.09% | 0.42% | 1.07% | Beats 8% | 686 / 743 | | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.05% | Beats 7% | 694 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.41% | 11.55% | 13.75% | 17.60% | Beats 35% | 482 / 746 | | |
| Total Risk-Based Capital Ratio | 13.66% | 11.71% | 14.33% | 18.43% | Beats 44% | 419 / 746 | | |
| Equity / Assets | 9.08% | 8.90% | 10.51% | 13.06% | Beats 27% | 542 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.28% | 61.31% | 78.27% | 90.78% | 72nd pctl | 208 / 746 | | |
| Loans / Assets | 79.28% | 53.60% | 66.97% | 76.08% | 84th pctl | 122 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |