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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.23% | 1.47% | 0.97% | 1.41% | 1.43% | 1.58% | 1.60% | +63 bps | |
| Return on Equity | 12.05% | 12.92% | 15.82% | 10.40% | 15.10% | 15.49% | 16.69% | 16.69% | +628 bps | |
| Net Interest Margin | 4.56% | 4.63% | 4.56% | 4.53% | 4.36% | 4.97% | 4.72% | 4.84% | +30 bps | |
| Efficiency Ratio | 69.26% | 66.47% | 62.64% | 69.50% | 64.16% | 66.08% | 61.93% | 62.28% | -722 bps | |
| Non-Interest Burden | 2.95% | 2.95% | 2.55% | 2.91% | 2.43% | 3.06% | 2.56% | 2.63% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.55% | 6.87% | 4.83% | 3.55% | 3.70% | 5.16% | 0.83% | 6.25% | +271 bps | |
| Loan Growth (YoY) | 2.02% | 7.96% | 6.43% | 4.01% | 6.96% | 1.15% | 2.54% | 9.07% | +506 bps | |
| Deposit Growth (YoY) | 1.36% | 3.28% | 7.47% | 9.30% | 8.30% | 10.95% | 5.70% | 3.60% | -570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.25% | 0.14% | 0.70% | 0.77% | 0.05% | 1.98% | 1.06% | +37 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.02% | 0.06% | 0.01% | 0.24% | 0.01% | 0.16% | 0.16% | +15 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.12% | 1.23% | 1.21% | 1.27% | 1.20% | 1.07% | -16 bps | |
| Allowance Coverage of NPLs | 6.2x | 4.8x | 8.1x | 1.8x | 1.6x | 26.4x | 0.6x | 1.0x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.30% | 8.96% | 8.92% | 9.08% | 8.97% | 8.73% | 9.33% | 9.37% | +28 bps | |
| Total Risk-Based Capital | 12.91% | 12.59% | 12.63% | 12.84% | 12.71% | 13.03% | 13.14% | 12.60% | -24 bps | |
| Equity / Assets | 9.67% | 9.30% | 9.26% | 9.36% | 9.29% | 9.12% | 9.79% | 9.41% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.64% | 88.60% | 88.25% | 88.24% | 86.55% | 80.77% | 85.62% | 92.90% | +466 bps | |
| Liquid Assets / Assets | 21.18% | 20.08% | 18.17% | 17.81% | 18.87% | 23.61% | 18.52% | 18.01% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 291% | 298% | 315% | n/a | n/a | |