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Bank of the Rockies

Helena, MT · Cert 2205 · Countricorp

State charter, non-member · FDIC · 7 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

57

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

Bank of the Rockies

Helena, MT · Cert 2205 · Countricorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$277.4MAssets
$213.2MLoans
$229.5MDeposits
$26.1MEquity
Loan mix
78%RE $147.1M20%C&I $38.1M2%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $217.6M5%Noninterest $11.9MQ2 2025Q2 2026

NIM

5.98%Q2 ’246.09%Q2 ’256.06%Q2 ’26+1%+4%

Non-interest income vs. expense

3.62%Q2 ’243.48%Q2 ’253.51%Q2 ’26-8%-6%

Market Position · Helena, MT · 2026 SOD (annual) · 0.7% share · #12 of 14 inst. · $0.0B of $2.9B

21.2% Park
100.0% Meagher
7.4% Fergus
0.8% Lewis and Clark

Executive Summary

  • Earnings: ROA of 1.58%, up 36 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 1.06% of loans (+37 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 9.37%, up 28 bps from a year ago.
  • Funding: loans stand at 92.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+36 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+19 bps YoY

Efficiency Ratio (YTD, annualized)

62.11%-395 bps YoY

Tier 1 Leverage Ratio

9.37%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.28%1.32%1.58%1.58%+36 bps
Return on Equity13.07%13.77%14.24%16.69%16.70%+363 bps
Net Interest Margin4.54%4.45%4.46%4.72%4.73%+19 bps
Efficiency Ratio66.06%65.42%65.60%61.93%62.11%-395 bps
Non-Interest Burden2.73%2.61%2.65%2.56%2.57%-16 bps
Growth
Asset Growth (YoY)3.55%3.70%5.16%0.83%6.25%+271 bps
Loan Growth (YoY)4.01%6.96%1.15%2.54%9.07%+506 bps
Deposit Growth (YoY)9.30%8.30%10.95%5.70%3.60%-570 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.77%0.05%1.98%1.06%+37 bps
Net Charge-Offs / Loans0.03%0.10%0.08%0.16%0.16%+12 bps
Allowance / Loans1.23%1.21%1.27%1.20%1.07%-16 bps
Allowance Coverage of NPLs1.8x1.6x26.4x0.6x1.0x-0.8x
Capital
Tier 1 Leverage Ratio9.08%8.97%8.73%9.33%9.37%+28 bps
Total Risk-Based Capital12.84%12.71%13.03%13.14%12.60%-24 bps
Equity / Assets9.36%9.29%9.12%9.79%9.41%+5 bps
Liquidity & Funding
Loans / Deposits88.24%86.55%80.77%85.62%92.90%+466 bps
Liquid Assets / Assets17.81%18.87%23.61%18.52%18.01%+20 bps
CRE / Total Capitaln/a291%298%315%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

Bank of the Rockies

Helena, MT · Cert 2205 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Countricorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$277.4MAssets
$213.2MLoans
$229.5MDeposits
$26.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of banks under $1B in assets operating in a single state (rank 57 of 746).
  • Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets operating in a single state (rank 609 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.53%

Rank 163 of 746

Net Interest Margin

4.73%

Rank 57 of 746

Efficiency Ratio

62.11%

Rank 322 of 746

Equity / Assets

9.41%

Rank 504 of 746

Non-interest income vs. expense

$2.5M$9.4MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state
Bank 62.11%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.72%1.06%1.45%Beats 78%163 / 746
Return on Equity16.27%6.74%10.51%13.63%Beats 88%89 / 746
Net Interest Margin4.73%3.17%3.68%4.16%Beats 92%57 / 746
Efficiency Ratio62.11%55.74%64.58%75.47%Beats 57%322 / 746
Asset Quality
Nonperforming Loans / Loans1.06%0.09%0.42%1.07%Beats 25%556 / 743
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 18%609 / 743
Capital
Tier 1 Capital Ratio11.42%11.55%13.75%17.60%Beats 23%572 / 746
Total Risk-Based Capital Ratio12.60%11.71%14.33%18.43%Beats 33%500 / 746
Equity / Assets9.41%8.90%10.51%13.06%Beats 32%504 / 746
Liquidity & Funding
Loans / Deposits92.90%61.31%78.27%90.78%79th pctl154 / 746
Loans / Assets76.84%53.60%66.97%76.08%78th pctl167 / 746
Brokered Deposits / Depositsn/aNot reported for this institution