Helena, MT · Cert 20162 · Ascent Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Helena, MT · 2026 SOD (annual) · 3.2% share · #7 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 | 0.69% | 0.82% | 1.29% | 1.36% | 1.34% | 1.33% | 1.16% | 1.24% | -12 bps | |
| Return on Equity | 8.25% | 9.66% | 14.58% | 15.15% | 14.77% | 14.45% | 12.64% | 13.56% | -159 bps | |
| Net Interest Margin | 3.66% | 3.59% | 4.17% | 4.19% | 4.19% | 4.15% | 4.00% | 4.31% | +12 bps | |
| Efficiency Ratio | 68.25% | 64.80% | 58.17% | 57.10% | 57.44% | 57.38% | 57.86% | 57.58% | +48 bps | |
| Non-Interest Burden | 2.43% | 2.27% | 2.37% | 2.34% | 2.36% | 2.34% | 2.26% | 2.43% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.64% | 12.50% | 9.70% | 10.02% | 2.09% | 4.73% | -0.47% | -2.06% | -1,208 bps | |
| Loan Growth (YoY) | 23.71% | 12.79% | 8.82% | 8.44% | 1.13% | 1.35% | 3.12% | 0.54% | -791 bps | |
| Deposit Growth (YoY) | 20.28% | 12.11% | 8.44% | 9.63% | 1.06% | 3.87% | -0.22% | -1.60% | -1,123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.38% | 0.35% | 0.75% | 0.31% | 1.74% | 1.97% | 2.51% | +175 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.47% | +44 bps | |
| Allowance / Loans | 1.42% | 1.52% | 1.50% | 1.46% | 1.48% | 1.53% | 1.54% | 1.36% | -10 bps | |
| Allowance Coverage of NPLs | 6.0x | 4.0x | 4.3x | 1.9x | 4.8x | 0.9x | 0.8x | 0.5x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.30% | 8.94% | 8.92% | 9.15% | 9.36% | 9.48% | 7.98% | 8.69% | -46 bps | |
| Total Risk-Based Capital | 13.38% | 14.32% | 13.98% | 14.18% | 14.76% | 15.22% | 12.66% | 13.66% | -52 bps | |
| Equity / Assets | 8.53% | 8.82% | 8.91% | 9.23% | 9.32% | 9.68% | 8.72% | 9.08% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.71% | 84.59% | 86.90% | 87.38% | 83.77% | 82.53% | 89.81% | 89.28% | +189 bps | |
| Liquid Assets / Assets | 9.74% | 9.46% | 8.82% | 8.54% | 13.55% | 14.83% | 7.30% | 8.59% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 364% | 359% | 430% | n/a | n/a | |