Helena, MT · Cert 2205 · Countricorp
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Helena, MT · 2026 SOD (annual) · 0.7% share · #12 of 14 inst. · $0.0B of $2.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.28% | 1.32% | 1.58% | 1.58% | +36 bps | |
| Return on Equity | 13.07% | 13.77% | 14.24% | 16.69% | 16.70% | +363 bps | |
| Net Interest Margin | 4.54% | 4.45% | 4.46% | 4.72% | 4.73% | +19 bps | |
| Efficiency Ratio | 66.06% | 65.42% | 65.60% | 61.93% | 62.11% | -395 bps | |
| Non-Interest Burden | 2.73% | 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 / Loans | 0.70% | 0.77% | 0.05% | 1.98% | 1.06% | +37 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.10% | 0.08% | 0.16% | 0.16% | +12 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.27% | 1.20% | 1.07% | -16 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.6x | 26.4x | 0.6x | 1.0x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.08% | 8.97% | 8.73% | 9.33% | 9.37% | +28 bps | |
| Total Risk-Based Capital | 12.84% | 12.71% | 13.03% | 13.14% | 12.60% | -24 bps | |
| Equity / Assets | 9.36% | 9.29% | 9.12% | 9.79% | 9.41% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.24% | 86.55% | 80.77% | 85.62% | 92.90% | +466 bps | |
| Liquid Assets / Assets | 17.81% | 18.87% | 23.61% | 18.52% | 18.01% | +20 bps | |
| CRE / Total Capital | n/a | 291% | 298% | 315% | n/a | n/a | |