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Three Rivers Bank of Montana

Kalispell, MT · Cert 21557 · King Kalispell LLC

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Three Rivers Bank of Montana

Kalispell, MT · Cert 21557 · King Kalispell LLC

State charter, non-member · FDIC · 3 branches

Q2 2026

$293.1MAssets
$247.6MLoans
$257.9MDeposits
$33.7MEquity
Loan mix
87%RE $212.1M11%C&I $28.0M2%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $182.4M29%Noninterest $75.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.40%, up 68 bps year over year; NIM at 4.93%.
  • Asset quality: problem loans at 0.93% of loans (+37 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.72%, up 147 bps from a year ago.
  • Funding: loans stand at 96.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.40%+68 bps YoY

Net Interest Margin (YTD, annualized)

4.93%+92 bps YoY

Efficiency Ratio (YTD, annualized)

65.07%-1,064 bps YoY

Tier 1 Leverage Ratio

11.72%+147 bps YoY

NIM

5.34%Q2 ’246.06%Q2 ’256.38%Q2 ’26+26%+23%

Non-interest income vs. expense

3.39%Q2 ’243.40%Q2 ’253.67%Q2 ’26+1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.50%0.73%0.72%0.89%0.99%1.30%1.40%+68 bps
Return on Equity2.22%5.61%7.93%7.74%9.32%10.13%12.24%12.86%+513 bps
Net Interest Margin3.25%3.41%3.84%4.01%4.17%4.32%4.77%4.93%+92 bps
Efficiency Ratio89.12%81.67%76.98%75.71%73.31%71.07%65.24%65.07%-1,064 bps
Non-Interest Burden2.83%2.69%2.84%2.92%2.88%2.90%2.93%2.96%+4 bps
Growth
Asset Growth (YoY)5.89%3.52%3.60%-0.80%-4.09%-4.04%-5.14%-8.36%-756 bps
Loan Growth (YoY)17.43%15.86%13.32%8.05%-2.91%-2.40%-6.14%-7.85%-1,590 bps
Deposit Growth (YoY)0.57%5.06%0.72%1.57%-1.43%-2.13%-2.49%-4.26%-583 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.55%0.53%0.56%0.74%0.64%0.59%0.93%+37 bps
Net Charge-Offs / Loans0.03%0.03%-0.01%0.12%0.09%0.17%0.00%0.01%-11 bps
Allowance / Loans1.31%1.21%1.20%1.13%1.08%0.98%1.03%1.03%-9 bps
Allowance Coverage of NPLs2.6x2.2x2.3x2.0x1.5x1.5x1.7x1.1x-0.9x
Capital
Tier 1 Leverage Ratio9.59%9.84%10.01%10.25%10.56%10.93%11.04%11.72%+147 bps
Total Risk-Based Capital9.59%9.84%10.01%10.25%10.56%10.93%11.04%11.72%+147 bps
Equity / Assets9.02%9.05%9.34%9.69%10.28%10.61%10.60%11.51%+182 bps
Liquidity & Funding
Loans / Deposits93.25%93.42%95.92%99.75%91.85%93.16%92.33%96.01%-374 bps
Liquid Assets / Assets0.60%0.56%0.58%0.59%4.76%3.92%4.90%2.18%+159 bps
CRE / Total Capitaln/an/an/an/a392%357%342%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Three Rivers Bank of Montana

Kalispell, MT · Cert 21557 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · King Kalispell LLC

State charter, non-member · FDIC · 3 branches

Q2 2026

$293.1MAssets
$247.6MLoans
$257.9MDeposits
$33.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks under $1B in assets operating in a single state (rank 37 of 746).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 558 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.45%

Rank 186 of 746

Net Interest Margin

4.93%

Rank 37 of 746

Efficiency Ratio

65.07%

Rank 383 of 746

Equity / Assets

11.51%

Rank 276 of 746

Non-interest income vs. expense

$2.1M$10.9MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state
Bank 65.07%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.45%0.72%1.06%1.45%Beats 75%186 / 746
Return on Equity12.60%6.74%10.51%13.63%Beats 67%243 / 746
Net Interest Margin4.93%3.17%3.68%4.16%Beats 95%37 / 746
Efficiency Ratio65.07%55.74%64.58%75.47%Beats 49%383 / 746
Asset Quality
Nonperforming Loans / Loans0.93%0.09%0.42%1.07%Beats 29%525 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 43%426 / 743
Capital
Tier 1 Capital Ratio11.72%11.55%13.75%17.60%Beats 27%544 / 746
Total Risk-Based Capital Ratio11.72%11.71%14.33%18.43%Beats 25%558 / 746
Equity / Assets11.51%8.90%10.51%13.06%Beats 63%276 / 746
Liquidity & Funding
Loans / Deposits96.01%61.31%78.27%90.78%86th pctl106 / 746
Loans / Assets84.49%53.60%66.97%76.08%94th pctl42 / 746
Brokered Deposits / Depositsn/aNot reported for this institution