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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.72% | 1.06% | 1.45% | Beats 78% | 163 / 746 | | |
| Return on Equity | 16.27% | 6.74% | 10.51% | 13.63% | Beats 88% | 89 / 746 | | |
| Net Interest Margin | 4.73% | 3.17% | 3.68% | 4.16% | Beats 92% | 57 / 746 | | |
| Efficiency Ratio | 62.11% | 55.74% | 64.58% | 75.47% | Beats 57% | 322 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.06% | 0.09% | 0.42% | 1.07% | Beats 25% | 556 / 743 | | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 18% | 609 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.42% | 11.55% | 13.75% | 17.60% | Beats 23% | 572 / 746 | | |
| Total Risk-Based Capital Ratio | 12.60% | 11.71% | 14.33% | 18.43% | Beats 33% | 500 / 746 | | |
| Equity / Assets | 9.41% | 8.90% | 10.51% | 13.06% | Beats 32% | 504 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.90% | 61.31% | 78.27% | 90.78% | 79th pctl | 154 / 746 | | |
| Loans / Assets | 76.84% | 53.60% | 66.97% | 76.08% | 78th pctl | 167 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |