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
Unfavorable gap of $8.8M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.72% | 1.06% | 1.45% | Beats 75% | 186 / 746 | | |
| Return on Equity | 12.60% | 6.74% | 10.51% | 13.63% | Beats 67% | 243 / 746 | | |
| Net Interest Margin | 4.93% | 3.17% | 3.68% | 4.16% | Beats 95% | 37 / 746 | | |
| Efficiency Ratio | 65.07% | 55.74% | 64.58% | 75.47% | Beats 49% | 383 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.09% | 0.42% | 1.07% | Beats 29% | 525 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 43% | 426 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.72% | 11.55% | 13.75% | 17.60% | Beats 27% | 544 / 746 | | |
| Total Risk-Based Capital Ratio | 11.72% | 11.71% | 14.33% | 18.43% | Beats 25% | 558 / 746 | | |
| Equity / Assets | 11.51% | 8.90% | 10.51% | 13.06% | Beats 63% | 276 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.01% | 61.31% | 78.27% | 90.78% | 86th pctl | 106 / 746 | | |
| Loans / Assets | 84.49% | 53.60% | 66.97% | 76.08% | 94th pctl | 42 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |