Roundup, MT · Cert 20479 · Central Montana Bcorp
State charter, non-member · FDIC · 1 branch
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 1.74% | 1.74% | 1.78% | 1.85% | +15 bps | |
| Return on Equity | 14.38% | 14.20% | 14.11% | 13.92% | 14.40% | +2 bps | |
| Net Interest Margin | 4.12% | 4.22% | 4.12% | 4.24% | 4.31% | +18 bps | |
| Efficiency Ratio | 51.40% | 51.47% | 51.29% | 50.97% | 49.59% | -181 bps | |
| Non-Interest Burden | 1.95% | 2.00% | 1.97% | 2.01% | 1.96% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.39% | 10.48% | 5.06% | 6.26% | 7.34% | -105 bps | |
| Loan Growth (YoY) | 6.72% | 10.45% | 5.73% | 7.57% | 8.83% | +211 bps | |
| Deposit Growth (YoY) | 6.51% | 9.62% | 3.21% | 5.29% | 6.80% | +29 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.48% | 5.46% | 5.86% | 5.42% | 5.35% | -13 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | -0.04% | -0.10% | -0.04% | +3 bps | |
| Allowance / Loans | 2.23% | 2.12% | 2.36% | 2.25% | 2.07% | -16 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.99% | 13.48% | 13.31% | 12.96% | 13.36% | +37 bps | |
| Total Risk-Based Capital | 27.87% | 28.09% | 28.40% | 28.15% | 27.30% | -58 bps | |
| Equity / Assets | 12.52% | 13.44% | 12.74% | 12.86% | 13.02% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.73% | 41.16% | 33.71% | 36.08% | 38.45% | +72 bps | |
| Liquid Assets / Assets | 8.34% | 11.68% | 13.63% | 17.39% | 16.59% | +825 bps | |
| CRE / Total Capital | n/a | 8.14% | 7.87% | 5.94% | n/a | n/a | |