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Ascent Bank

Helena, MT · Cert 20162 · Ascent Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$104.1MAssets
$82.5MLoans
$92.4MDeposits
$9.5MEquity
Loan mix
81%RE $66.4M17%C&I $13.8M2%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $73.5M20%Noninterest $18.9MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.98%Q2 ’255.92%Q2 ’26+16%+3%

Non-interest income vs. expense

2.65%Q2 ’242.41%Q2 ’252.50%Q2 ’26-8%+4%

Market Position · Helena, MT · 2026 SOD (annual) · 3.2% share · #7 of 14 inst. · $0.1B of $2.9B

Executive Summary

  • Earnings: ROA of 1.24%, down 12 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.51% of loans (+175 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 8.69%, down 46 bps from a year ago.
  • Funding: loans stand at 89.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+12 bps YoY

Efficiency Ratio (YTD, annualized)

57.58%+48 bps YoY

Tier 1 Leverage Ratio

8.69%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.34%1.33%1.16%1.24%-12 bps
Return on Equity15.15%14.77%14.45%12.64%13.56%-159 bps
Net Interest Margin4.19%4.19%4.15%4.00%4.31%+12 bps
Efficiency Ratio57.10%57.44%57.38%57.86%57.58%+48 bps
Non-Interest Burden2.34%2.36%2.34%2.26%2.43%+9 bps
Growth
Asset Growth (YoY)10.02%2.09%4.73%-0.47%-2.06%-1,208 bps
Loan Growth (YoY)8.44%1.13%1.35%3.12%0.54%-791 bps
Deposit Growth (YoY)9.63%1.06%3.87%-0.22%-1.60%-1,123 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.31%1.74%1.97%2.51%+175 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.47%+44 bps
Allowance / Loans1.46%1.48%1.53%1.54%1.36%-10 bps
Allowance Coverage of NPLs1.9x4.8x0.9x0.8x0.5x-1.4x
Capital
Tier 1 Leverage Ratio9.15%9.36%9.48%7.98%8.69%-46 bps
Total Risk-Based Capital14.18%14.76%15.22%12.66%13.66%-52 bps
Equity / Assets9.23%9.32%9.68%8.72%9.08%-14 bps
Liquidity & Funding
Loans / Deposits87.38%83.77%82.53%89.81%89.28%+189 bps
Liquid Assets / Assets8.54%13.55%14.83%7.30%8.59%+4 bps
CRE / Total Capitaln/a364%359%430%n/an/a