First Citizens Bank of Butte
Butte, MT · Cert 22502 · Peer group: banks under $1B in assets operating in a single state (n=815-821)
FDIC · 1 branch
Q4 2025
$69.9MAssets
$34.6MLoans
$49.2MDeposits
$8.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 118 of 815).
- Widest gap: return on equity trails 74% of banks under $1B in assets operating in a single state (rank 609 of 821).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.69%
Rank 561 of 821
Net Interest Margin
3.29%
Rank 496 of 821
Efficiency Ratio
73.80%
Rank 540 of 821
Equity / Assets
12.09%
Rank 259 of 821
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.60% | 0.92% | 1.29% | Beats 32% | 561 / 821 | |
| Return on Equity | 5.67% | 5.53% | 9.01% | 12.39% | Beats 26% | 609 / 821 | |
| Net Interest Margin | 3.29% | 2.96% | 3.47% | 4.01% | Beats 40% | 496 / 821 | |
| Efficiency Ratio | 73.80% | 58.51% | 67.52% | 77.71% | Beats 34% | 540 / 821 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.39% | 1.09% | Beats 100% | 118 / 815 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.81% | 11.57% | 13.96% | 18.25% | Beats 65% | 291 / 821 | |
| Total Risk-Based Capital Ratio | 17.06% | 11.91% | 14.63% | 18.88% | Beats 67% | 268 / 821 | |
| Equity / Assets | 12.09% | 8.73% | 10.33% | 12.96% | Beats 68% | 259 / 821 | |
| Liquidity & Funding |
| Loans / Deposits | 70.39% | 61.85% | 77.93% | 91.10% | 38th pctl | 508 / 815 | |
| Loans / Assets | 49.55% | 53.55% | 66.75% | 76.60% | 19th pctl | 659 / 815 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.16% | Beats 100% | 503 / 821 | |