First Montana Bank, Inc.
Missoula, MT · Cert 363 · Peer group: banks under $1B in assets (n=581-629) · First National Bcorp Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$530.3MAssets
$321.8MLoans
$437.9MDeposits
$52.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets (rank 166 of 581).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets (rank 423 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.09%
Rank 284 of 629
Net Interest Margin
3.43%
Rank 354 of 629
Efficiency Ratio
66.30%
Rank 282 of 629
Equity / Assets
9.88%
Rank 386 of 629
Non-interest income vs. expense
Unfavorable gap of $10.7M · efficiency ratio beats 55% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.60% | 1.01% | 1.45% | Beats 55% | 284 / 629 | |
| Return on Equity | 11.07% | 5.38% | 9.30% | 13.28% | Beats 61% | 246 / 629 | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 44% | 354 / 629 | |
| Efficiency Ratio | 66.30% | 58.35% | 67.79% | 79.08% | Beats 55% | 282 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.46% | 1.20% | Beats 72% | 166 / 581 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 27% | 423 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.89% | 11.24% | 13.84% | 18.77% | Beats 64% | 226 / 629 | |
| Total Risk-Based Capital Ratio | 16.90% | 11.58% | 14.43% | 19.66% | Beats 67% | 210 / 629 | |
| Equity / Assets | 9.88% | 9.09% | 10.65% | 13.80% | Beats 39% | 386 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.49% | 67.24% | 80.90% | 93.48% | 36th pctl | 382 / 594 | |
| Loans / Assets | 60.68% | 53.31% | 67.71% | 78.15% | 35th pctl | 408 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |