Lolo, MT · Cert 23806 · Bitterroot Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 15 branches (18 in holding)
Q2 2026
Market Position · Missoula, MT · 2026 SOD (annual) · 12.5% share · #4 of 11 inst. · $0.5B of $4.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.29% | 1.30% | 1.29% | 1.39% | 1.48% | 1.36% | 1.38% | +9 bps | |
| Return on Equity | 15.39% | 14.98% | 16.06% | 15.67% | 16.86% | 17.80% | 15.94% | 16.19% | +53 bps | |
| Net Interest Margin | 3.50% | 3.39% | 3.56% | 3.58% | 3.71% | 3.72% | 3.87% | 3.82% | +24 bps | |
| Efficiency Ratio | 60.60% | 58.07% | 54.97% | 52.50% | 51.80% | 51.33% | 50.73% | 52.01% | -49 bps | |
| Non-Interest Burden | 1.90% | 1.79% | 1.79% | 1.64% | 1.69% | 1.70% | 1.79% | 1.81% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | 12.60% | 12.18% | 9.65% | 10.76% | 3.06% | 6.60% | 10.36% | +71 bps | |
| Loan Growth (YoY) | 5.88% | 3.99% | 5.11% | 8.65% | 11.74% | 15.33% | 16.45% | 10.71% | +206 bps | |
| Deposit Growth (YoY) | 2.08% | 16.19% | 15.57% | 12.05% | 13.21% | 2.43% | 6.48% | 11.54% | -51 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.03% | 0.08% | 0.07% | 0.25% | 0.15% | 1.83% | 1.82% | +174 bps | |
| Net Charge-Offs / Loans | -0.20% | -0.03% | 0.04% | 0.02% | -0.02% | 0.03% | 0.24% | 0.16% | +14 bps | |
| Allowance / Loans | 1.31% | 1.33% | 1.32% | 1.32% | 1.31% | 1.31% | 1.31% | 1.35% | +4 bps | |
| Allowance Coverage of NPLs | 7.9x | 48.9x | 16.0x | 17.7x | 5.2x | 9.0x | 0.7x | 0.7x | -17.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.84% | 8.52% | 8.29% | 8.48% | 8.68% | 8.64% | 8.80% | 8.62% | +14 bps | |
| Total Risk-Based Capital | 12.67% | 12.94% | 12.66% | 12.17% | 11.66% | 11.81% | 11.93% | 12.15% | -2 bps | |
| Equity / Assets | 8.67% | 8.11% | 8.12% | 8.41% | 8.45% | 8.49% | 8.61% | 8.49% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.43% | 95.73% | 97.26% | 104.87% | 108.01% | 107.78% | 106.37% | 104.09% | -78 bps | |
| Liquid Assets / Assets | 11.45% | 20.15% | 18.67% | 13.36% | 11.02% | 11.36% | 12.42% | 13.49% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 385% | 386% | 387% | n/a | n/a | |