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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 $4.8MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $182.4M29%Noninterest $75.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.50%, up 78 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.93% of loans (+37 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.50%+78 bps YoY

Net Interest Margin (quarter, annualized)

4.95%+80 bps YoY

Efficiency Ratio (quarter, annualized)

64.92%-959 bps YoY

Tier 1 Leverage Ratio

11.72%+147 bps YoY

NIM

5.52%Q2 ’246.15%Q2 ’256.35%Q2 ’26+26%+19%

Non-interest income vs. expense

3.44%Q2 ’243.43%Q2 ’253.78%Q2 ’26+3%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%1.39%0.73%0.72%1.23%1.30%1.30%1.50%+78 bps
Return on Equity1.94%15.42%7.93%7.55%12.35%12.47%12.24%13.60%+605 bps
Net Interest Margin3.50%4.01%3.84%4.15%4.29%4.72%4.77%4.95%+80 bps
Efficiency Ratio83.93%62.84%76.98%74.51%69.08%64.84%65.24%64.92%-959 bps
Non-Interest Burden2.82%2.35%2.84%2.98%2.67%2.89%2.93%2.91%-7 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 / Loans0.01%0.04%-0.01%0.25%0.01%0.43%0.00%0.03%-22 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