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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 $16.8MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $564.8M23%Noninterest $165.0MQ3 2024Q2 2026

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 0.92%, up 26 bps year over year; NIM at 2.98%.
  • 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.

Return on Assets (YTD, annualized)

0.92%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+37 bps YoY

Efficiency Ratio (YTD, annualized)

61.03%-744 bps YoY

Tier 1 Leverage Ratio

10.08%+39 bps YoY

NIM

3.86%Q2 ’244.19%Q2 ’254.50%Q2 ’26+12%+14%

Non-interest income vs. expense

1.85%Q2 ’241.90%Q2 ’251.94%Q2 ’26+4%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.59%0.65%0.66%0.71%0.72%0.90%0.92%+26 bps
Return on Equity8.43%8.50%9.08%9.00%9.38%9.30%10.48%10.76%+176 bps
Net Interest Margin2.38%2.38%2.54%2.61%2.65%2.72%2.92%2.98%+37 bps
Efficiency Ratio71.36%71.26%68.42%68.47%65.37%65.60%60.30%61.03%-744 bps
Non-Interest Burden1.68%1.68%1.73%1.78%1.71%1.77%1.72%1.79%+1 bps
Growth
Asset Growth (YoY)2.37%5.62%4.01%8.43%5.73%3.05%2.60%-0.37%-880 bps
Loan Growth (YoY)3.64%3.61%2.59%3.31%4.79%5.98%5.67%5.00%+169 bps
Deposit Growth (YoY)0.01%7.00%2.84%7.93%7.01%-2.17%1.48%-1.41%-935 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.98%1.12%1.13%0.86%0.82%0.92%0.47%-66 bps
Net Charge-Offs / Loans0.00%0.00%0.12%0.07%0.38%0.29%0.00%0.00%-8 bps
Allowance / Loans1.66%1.70%1.68%1.61%1.44%1.47%1.50%1.46%-15 bps
Allowance Coverage of NPLs2.5x1.7x1.5x1.4x1.7x1.8x1.6x3.1x+1.6x
Capital
Tier 1 Leverage Ratio9.73%9.65%9.71%9.69%9.62%9.82%10.02%10.08%+39 bps
Total Risk-Based Capital20.39%20.51%20.71%20.55%20.60%20.96%20.88%20.48%-7 bps
Equity / Assets7.77%6.84%7.51%7.62%8.34%8.59%8.57%8.54%+92 bps
Liquidity & Funding
Loans / Deposits52.54%48.88%49.46%50.08%51.45%52.95%51.51%53.34%+326 bps
Liquid Assets / Assets0.05%2.06%0.33%1.20%0.05%0.01%0.14%0.03%-116 bps
CRE / Total Capitaln/an/an/an/a112.43%109.88%110.21%n/an/a