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Bank of Bridger, National Association

Bridger, MT · Cert 2224 · Bridger Co. the

National charter · OCC · 12 branches

Q2 2026

$802.7MAssets
$389.2MLoans
$729.8MDeposits
$68.5MEquity
Loan mix
86%RE $285.0M9%C&I $28.8M5%Consumer $16.8MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $564.8M23%Noninterest $165.0MQ2 2025Q2 2026

NIM

3.97%Q2 ’244.31%Q2 ’254.59%Q2 ’26+12%+13%

Non-interest income vs. expense

1.89%Q2 ’241.99%Q2 ’252.00%Q2 ’26+7%+1%

Market Position · Billings, MT · 2026 SOD (annual) · 2.1% share · #7 of 13 inst. · $0.2B of $8.0B

51.8% Big Horn
65.8% Carbon
28.9% Sheridan
4.9% Park

Executive Summary

  • Earnings: ROA of 0.95%, up 28 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.47% of loans (-66 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.08%, up 39 bps from a year ago.
  • Funding: loans stand at 53.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.95%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.06%+34 bps YoY

Efficiency Ratio (quarter, annualized)

61.73%-678 bps YoY

Tier 1 Leverage Ratio

10.08%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.81%0.76%0.90%0.95%+28 bps
Return on Equity8.89%10.11%8.98%10.48%11.08%+219 bps
Net Interest Margin2.71%2.83%2.87%2.92%3.06%+34 bps
Efficiency Ratio68.51%59.78%66.27%60.30%61.73%-678 bps
Non-Interest Burden1.84%1.65%1.89%1.72%1.86%+2 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 / Loans1.13%0.86%0.82%0.92%0.47%-66 bps
Net Charge-Offs / Loans0.03%1.01%-0.01%0.00%0.00%-3 bps
Allowance / Loans1.61%1.44%1.47%1.50%1.46%-15 bps
Allowance Coverage of NPLs1.4x1.7x1.8x1.6x3.1x+1.6x
Capital
Tier 1 Leverage Ratio9.69%9.62%9.82%10.02%10.08%+39 bps
Total Risk-Based Capital20.55%20.60%20.96%20.88%20.48%-7 bps
Equity / Assets7.62%8.34%8.59%8.57%8.54%+92 bps
Liquidity & Funding
Loans / Deposits50.08%51.45%52.95%51.51%53.34%+326 bps
Liquid Assets / Assets1.20%0.05%0.01%0.14%0.03%-116 bps
CRE / Total Capitaln/a112.43%109.88%110.21%n/an/a