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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

$293.1MAssets
$247.6MLoans
$257.9MDeposits
$33.7MEquity
Loan mix
87%RE $212.1M11%C&I $28.0M2%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $182.4M29%Noninterest $75.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.89%0.99%1.30%1.40%+68 bps
Return on Equity7.74%9.32%10.13%12.24%12.86%+513 bps
Net Interest Margin4.01%4.17%4.32%4.77%4.93%+92 bps
Efficiency Ratio75.71%73.31%71.07%65.24%65.07%-1,064 bps
Non-Interest Burden2.92%2.88%2.90%2.93%2.96%+4 bps
Growth
Asset Growth (YoY)-0.80%-4.09%-4.04%-5.14%-8.36%-756 bps
Loan Growth (YoY)8.05%-2.91%-2.40%-6.14%-7.85%-1,590 bps
Deposit Growth (YoY)1.57%-1.43%-2.13%-2.49%-4.26%-583 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.74%0.64%0.59%0.93%+37 bps
Net Charge-Offs / Loans0.12%0.09%0.17%0.00%0.01%-11 bps
Allowance / Loans1.13%1.08%0.98%1.03%1.03%-9 bps
Allowance Coverage of NPLs2.0x1.5x1.5x1.7x1.1x-0.9x
Capital
Tier 1 Leverage Ratio10.25%10.56%10.93%11.04%11.72%+147 bps
Total Risk-Based Capital10.25%10.56%10.93%11.04%11.72%+147 bps
Equity / Assets9.69%10.28%10.61%10.60%11.51%+182 bps
Liquidity & Funding
Loans / Deposits99.75%91.85%93.16%92.33%96.01%-374 bps
Liquid Assets / Assets0.59%4.76%3.92%4.90%2.18%+159 bps
CRE / Total Capitaln/a392%357%342%n/an/a