Opportunity Bank of Montana
Helena, MT · Cert 30182 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 74% of banks $1B-$10B in assets operating in a single state (rank 70 of 267).
- Widest gap: efficiency ratio trails 86% of banks $1B-$10B in assets operating in a single state (rank 231 of 266).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.85%
Rank 212 of 267
Net Interest Margin
3.81%
Rank 75 of 267
Efficiency Ratio
75.03%
Rank 231 of 266
Equity / Assets
11.72%
Rank 70 of 267
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% | 1.55% | Beats 21% | 212 / 267 | | |
| Return on Equity | 7.21% | 9.16% | 11.84% | 14.56% | Beats 15% | 226 / 267 | | |
| Net Interest Margin | 3.81% | 3.12% | 3.50% | 3.88% | Beats 72% | 75 / 267 | | |
| Efficiency Ratio | 75.03% | 51.36% | 60.21% | 69.66% | Beats 14% | 231 / 266 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.89% | Beats 66% | 93 / 267 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 57% | 115 / 267 | | |
| Capital |
| Tier 1 Capital Ratio | 13.10% | 11.29% | 13.05% | 15.13% | Beats 50% | 133 / 267 | | |
| Total Risk-Based Capital Ratio | 14.23% | 11.95% | 13.87% | 16.27% | Beats 54% | 123 / 267 | | |
| Equity / Assets | 11.72% | 9.18% | 10.29% | 11.76% | Beats 74% | 70 / 267 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.15% | 72.68% | 86.16% | 95.22% | 54th pctl | 122 / 267 | | |
| Loans / Assets | 74.16% | 62.46% | 71.96% | 78.38% | 57th pctl | 116 / 267 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |