Bank of the Rockies
Helena, MT · Cert 2205 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 59 of 755).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets operating in a single state (rank 608 of 751).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.53%
Rank 165 of 755
Net Interest Margin
4.73%
Rank 59 of 755
Efficiency Ratio
62.11%
Rank 322 of 755
Equity / Assets
9.41%
Rank 519 of 755
Non-interest income vs. expense
Unfavorable gap of $6.9M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.72% | 1.06% | 1.45% | Beats 78% | 165 / 755 | |
| Return on Equity | 16.27% | 6.66% | 10.44% | 13.61% | Beats 88% | 91 / 755 | |
| Net Interest Margin | 4.73% | 3.15% | 3.68% | 4.17% | Beats 92% | 59 / 755 | |
| Efficiency Ratio | 62.11% | 55.75% | 64.78% | 75.61% | Beats 57% | 322 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.09% | 0.42% | 1.05% | Beats 25% | 565 / 751 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 19% | 608 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 11.42% | 11.56% | 13.81% | 17.74% | Beats 23% | 581 / 755 | |
| Total Risk-Based Capital Ratio | 12.60% | 11.72% | 14.46% | 18.53% | Beats 32% | 510 / 755 | |
| Equity / Assets | 9.41% | 8.93% | 10.56% | 13.13% | Beats 31% | 519 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 92.90% | 62.43% | 78.62% | 91.00% | 79th pctl | 160 / 755 | |
| Loans / Assets | 76.84% | 54.70% | 67.27% | 76.55% | 76th pctl | 181 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |