Opportunity Bank of Montana
Helena, MT · Cert 30182 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Eagle Bcorp Montana Inc.
State charter, Fed member · FED · 30 branches
Q2 2026
$2.1BAssets
$1.6BLoans
$1.8BDeposits
$248.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 65 of 258).
- Widest gap: efficiency ratio trails 86% of banks $1B-$10B in assets operating in a single state (rank 223 of 257).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.85%
Rank 206 of 258
Net Interest Margin
3.81%
Rank 72 of 258
Efficiency Ratio
75.03%
Rank 223 of 257
Equity / Assets
11.72%
Rank 65 of 258
Non-interest income vs. expense
Unfavorable gap of $54.8M · efficiency ratio beats 14% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.93% | 1.23% | 1.54% | Beats 20% | 206 / 258 | | |
| Return on Equity | 7.21% | 9.26% | 11.84% | 14.74% | Beats 15% | 219 / 258 | | |
| Net Interest Margin | 3.81% | 3.16% | 3.49% | 3.88% | Beats 72% | 72 / 258 | | |
| Efficiency Ratio | 75.03% | 51.71% | 60.30% | 69.65% | Beats 14% | 223 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.90% | Beats 65% | 91 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 57% | 111 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.10% | 11.41% | 12.98% | 15.12% | Beats 50% | 128 / 258 | | |
| Total Risk-Based Capital Ratio | 14.23% | 12.10% | 13.91% | 16.08% | Beats 53% | 120 / 258 | | |
| Equity / Assets | 11.72% | 9.09% | 10.24% | 11.72% | Beats 75% | 65 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.15% | 73.24% | 86.34% | 95.95% | 53rd pctl | 120 / 258 | | |
| Loans / Assets | 74.16% | 63.01% | 72.27% | 78.40% | 56th pctl | 113 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |