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
Unfavorable gap of $1.4M · efficiency ratio beats 7% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.17% | 2.67% | 3.19% | 3.72% | Beats 50% | 304 / 604 | | |
| Efficiency Ratio | 102.99% | 60.42% | 71.67% | 83.77% | Beats 7% | 560 / 603 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.31% | 0.86% | Beats 100% | 79 / 553 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.13% | Beats 100% | 100 / 553 | | |
| Capital |
| Tier 1 Capital Ratio | 18.31% | 11.06% | 13.82% | 18.29% | Beats 75% | 150 / 604 | | |
| Total Risk-Based Capital Ratio | 19.54% | 11.68% | 14.50% | 19.03% | Beats 77% | 141 / 604 | | |
| Equity / Assets | 7.37% | 8.17% | 9.66% | 12.64% | Beats 16% | 507 / 604 | | |
| Liquidity & Funding |
| Loans / Deposits | 28.49% | 63.55% | 78.98% | 91.89% | 4th pctl | 546 / 566 | | |
| Loans / Assets | 26.24% | 56.22% | 68.51% | 77.12% | 2nd pctl | 542 / 553 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |