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First Citizens Bank of Butte

Butte, MT · Cert 22502

FDIC · 1 branch

Q4 2025

$69.9MAssets
$34.6MLoans
$49.2MDeposits
$8.4MEquity
Loan mix
82%RE $28.2M12%C&I $4.2M5%Consumer $1.8MQ4 2024Q4 2025
Deposit mix
58%Interest-bearing $28.3M42%Noninterest $20.9MQ4 2024Q4 2025

NIM

4.78%Q4 ’235.20%Q4 ’244.04%Q4 ’25-3%-21%

Non-interest income vs. expense

3.19%Q4 ’233.12%Q4 ’242.65%Q4 ’25+0%-21%

Executive Summary

  • Earnings: ROA of 0.67%, down 28 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.09%, up 26 bps from a year ago.
  • Funding: loans stand at 70.39% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.67%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-87 bps YoY

Efficiency Ratio (YTD, annualized)

73.80%+133 bps YoY

Tier 1 Leverage Ratio

12.09%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.95%0.72%0.71%0.72%0.67%-28 bps
Return on Equity9.04%6.32%6.04%6.01%5.59%-345 bps
Net Interest Margin4.16%3.94%4.15%4.47%3.29%-87 bps
Efficiency Ratio72.48%78.08%76.71%77.45%73.80%+133 bps
Non-Interest Burden2.97%3.04%3.15%3.43%2.35%-62 bps
Growth
Asset Growth (YoY)-6.74%-3.26%-13.14%-13.54%-7.16%-42 bps
Loan Growth (YoY)3.25%-1.33%5.45%5.79%-2.14%-539 bps
Deposit Growth (YoY)-15.64%-10.57%-5.75%-7.76%-6.47%+918 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.90%2.01%1.97%2.00%2.08%+18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.83%12.23%12.25%13.48%12.09%+26 bps
Total Risk-Based Capital11.83%12.23%12.25%13.48%17.06%+523 bps
Equity / Assets11.20%11.45%12.42%12.70%12.09%+88 bps
Liquidity & Funding
Loans / Deposits67.28%62.99%70.99%72.28%70.39%+311 bps
Liquid Assets / Assets19.62%21.81%10.22%13.67%19.31%-31 bps
CRE / Total Capitaln/an/an/a118.27%118.13%n/a