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Stockmens Bank

Cascade, MT · Cert 358

FDIC · 1 branch

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=553 to 605). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q4 2024peer median (50)

Asset Quality

100

Q2 2024Q4 2024peer median (50)

Profitability

22

Q2 2024Q4 2024peer median (50)

Liquidity

0

Q2 2024Q4 2024peer median

Efficiency

7

Q2 2024Q4 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stockmens Bank

Cascade, MT · Cert 358

FDIC · 1 branch

Q4 2024

$43.7MAssets
$11.5MLoans
$40.2MDeposits
$3.2MEquity
Loan mix
69%RE $5.0M21%C&I $1.5M10%Consumer $0.7MQ1 2023Q4 2024
Deposit mix
71%Interest-bearing $28.6M29%Noninterest $11.6MQ1 2023Q4 2024

Market Position · Great Falls, MT · 2024 SOD (annual) · 1.9% share · #8 of 12 inst. · $0.0B of $2.0B

Executive Summary

  • Earnings: ROA of -0.11%, down 60 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 7.97%, down 291 bps from a year ago.
  • Funding: loans stand at 28.49% of deposits as of Q4 2024.

Return on Assets (YTD, annualized)

-0.11%-60 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+20 bps YoY

Efficiency Ratio (YTD, annualized)

102.99%+2,281 bps YoY

Tier 1 Leverage Ratio

7.97%-291 bps YoY

NIM

2.77%Q4 ’223.61%Q4 ’234.16%Q4 ’24+27%+7%

Non-interest income vs. expense

1.92%Q4 ’222.52%Q4 ’233.52%Q4 ’24+30%+39%

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.72%0.83%0.88%0.49%0.96%0.70%0.75%-0.11%-60 bps
Return on Equity8.01%9.05%9.39%5.20%9.55%6.86%7.44%-1.10%-630 bps
Net Interest Margin2.76%2.88%2.95%2.97%3.29%3.15%3.29%3.17%+20 bps
Efficiency Ratio68.00%65.10%63.64%80.19%64.69%73.12%71.40%102.99%+2,281 bps
Non-Interest Burden1.83%1.84%1.83%2.35%2.08%2.27%2.31%3.27%+92 bps
Growth
Asset Growth (YoY)-2.88%-3.98%-3.90%-4.80%-3.87%-5.42%-2.24%-0.59%+421 bps
Loan Growth (YoY)7.22%9.66%2.49%-6.40%-3.21%-7.38%0.04%-4.95%+145 bps
Deposit Growth (YoY)-1.78%-5.43%-5.33%-6.12%-4.70%-5.67%-2.30%1.79%+791 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%3.28%2.61%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.02%0.00%-0.02%-0.01%-0.01%+1 bps
Allowance / Loans1.82%1.73%1.81%1.95%1.89%1.89%1.82%2.06%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/a0.6x0.7xn/an/a
Capital
Tier 1 Leverage Ratio10.48%10.59%11.07%10.88%10.97%11.17%10.81%7.97%-291 bps
Total Risk-Based Capital35.53%34.57%34.43%33.07%33.44%34.07%26.74%19.54%-1,353 bps
Equity / Assets9.35%9.45%9.92%9.96%10.10%10.39%10.07%7.37%-259 bps
Liquidity & Funding
Loans / Deposits32.09%33.86%33.50%30.51%32.60%33.25%34.30%28.49%-202 bps
Liquid Assets / Assets48.12%46.32%45.06%45.04%45.45%43.50%36.85%29.94%-1,510 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Stockmens Bank

Cascade, MT · Cert 358 · Peer group: banks under $1B in assets (n=553-605)

FDIC · 1 branch

Q4 2024

$43.7MAssets
$11.5MLoans
$40.2MDeposits
$3.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 79 of 553).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets (rank 560 of 603).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.10%

Rank 554 of 605

Net Interest Margin

3.17%

Rank 304 of 604

Efficiency Ratio

102.99%

Rank 560 of 603

Equity / Assets

7.37%

Rank 507 of 604

Non-interest income vs. expense

$0.1M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 7% of banks under $1B in assets
Bank 102.99%Peer median 71.7%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.10%0.44%0.82%1.25%Beats 8%554 / 605
Return on Equity-1.40%4.73%8.49%12.27%Beats 8%556 / 604
Net Interest Margin3.17%2.67%3.19%3.72%Beats 50%304 / 604
Efficiency Ratio102.99%60.42%71.67%83.77%Beats 7%560 / 603
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.31%0.86%Beats 100%79 / 553
Net Charge-Offs / Loans0.00%0.00%0.03%0.13%Beats 100%100 / 553
Capital
Tier 1 Capital Ratio18.31%11.06%13.82%18.29%Beats 75%150 / 604
Total Risk-Based Capital Ratio19.54%11.68%14.50%19.03%Beats 77%141 / 604
Equity / Assets7.37%8.17%9.66%12.64%Beats 16%507 / 604
Liquidity & Funding
Loans / Deposits28.49%63.55%78.98%91.89%4th pctl546 / 566
Loans / Assets26.24%56.22%68.51%77.12%2nd pctl542 / 553
Brokered Deposits / Depositsn/aNot reported for this institution