Bridger, MT · Cert 2224 · Bridger Co. the
National charter · OCC · 12 branches
Q2 2026
Market Position · Billings, MT · 2026 SOD (annual) · 2.1% share · #7 of 13 inst. · $0.2B of $8.0B
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 | 0.66% | 0.71% | 0.72% | 0.90% | 0.92% | +26 bps | |
| Return on Equity | 9.00% | 9.38% | 9.30% | 10.48% | 10.76% | +176 bps | |
| Net Interest Margin | 2.61% | 2.65% | 2.72% | 2.92% | 2.98% | +37 bps | |
| Efficiency Ratio | 68.47% | 65.37% | 65.60% | 60.30% | 61.03% | -744 bps | |
| Non-Interest Burden | 1.78% | 1.71% | 1.77% | 1.72% | 1.79% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.43% | 5.73% | 3.05% | 2.60% | -0.37% | -880 bps | |
| Loan Growth (YoY) | 3.31% | 4.79% | 5.98% | 5.67% | 5.00% | +169 bps | |
| Deposit Growth (YoY) | 7.93% | 7.01% | -2.17% | 1.48% | -1.41% | -935 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.13% | 0.86% | 0.82% | 0.92% | 0.47% | -66 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.38% | 0.29% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.61% | 1.44% | 1.47% | 1.50% | 1.46% | -15 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.7x | 1.8x | 1.6x | 3.1x | +1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.69% | 9.62% | 9.82% | 10.02% | 10.08% | +39 bps | |
| Total Risk-Based Capital | 20.55% | 20.60% | 20.96% | 20.88% | 20.48% | -7 bps | |
| Equity / Assets | 7.62% | 8.34% | 8.59% | 8.57% | 8.54% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.08% | 51.45% | 52.95% | 51.51% | 53.34% | +326 bps | |
| Liquid Assets / Assets | 1.20% | 0.05% | 0.01% | 0.14% | 0.03% | -116 bps | |
| CRE / Total Capital | n/a | 112.43% | 109.88% | 110.21% | n/a | n/a | |