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First Security Bank of Roundup

Roundup, MT · Cert 20479 · Central Montana Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$94.5MAssets
$31.4MLoans
$81.8MDeposits
$12.3MEquity
Loan mix
15%RE $2.6M68%C&I $11.9M17%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $53.2M35%Noninterest $28.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.85%, up 15 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 5.35% of loans (-13 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 13.36%, up 37 bps from a year ago.
  • Funding: loans stand at 38.45% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.85%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+18 bps YoY

Efficiency Ratio (YTD, annualized)

49.59%-181 bps YoY

Tier 1 Leverage Ratio

13.36%+37 bps YoY

NIM

3.96%Q2 ’244.50%Q2 ’254.64%Q2 ’26+16%+4%

Non-interest income vs. expense

2.26%Q2 ’242.33%Q2 ’252.33%Q2 ’26+5%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.38%1.76%1.71%1.74%1.74%1.78%1.85%+15 bps
Return on Equity12.87%12.71%15.27%14.38%14.20%14.11%13.92%14.40%+2 bps
Net Interest Margin3.77%3.61%4.23%4.12%4.22%4.12%4.24%4.31%+18 bps
Efficiency Ratio56.49%56.53%50.45%51.40%51.47%51.29%50.97%49.59%-181 bps
Non-Interest Burden1.94%1.86%1.98%1.95%2.00%1.97%2.01%1.96%+1 bps
Growth
Asset Growth (YoY)-5.62%1.97%6.28%8.39%10.48%5.06%6.26%7.34%-105 bps
Loan Growth (YoY)4.68%3.75%5.62%6.72%10.45%5.73%7.57%8.83%+211 bps
Deposit Growth (YoY)-9.65%0.29%4.50%6.51%9.62%3.21%5.29%6.80%+29 bps
Asset Quality
Nonperforming Loans / Loans6.38%6.78%5.90%5.48%5.46%5.86%5.42%5.35%-13 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.21%-0.07%-0.05%-0.04%-0.10%-0.04%+3 bps
Allowance / Loans2.15%2.45%2.40%2.23%2.12%2.36%2.25%2.07%-16 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.4x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio13.28%12.57%12.77%12.99%13.48%13.31%12.96%13.36%+37 bps
Total Risk-Based Capital27.95%27.99%28.45%27.87%28.09%28.40%28.15%27.30%-58 bps
Equity / Assets12.63%11.08%11.98%12.52%13.44%12.74%12.86%13.02%+49 bps
Liquidity & Funding
Loans / Deposits40.85%32.90%35.32%37.73%41.16%33.71%36.08%38.45%+72 bps
Liquid Assets / Assets11.96%8.26%7.84%8.34%11.68%13.63%17.39%16.59%+825 bps
CRE / Total Capitaln/an/an/an/a8.14%7.87%5.94%n/an/a