Bank of Bozeman
Bozeman, MT · Cert 57952 · Peer group: banks under $1B in assets (n=581-629) · Bozeman Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$108.4MAssets
$79.3MLoans
$96.4MDeposits
$11.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: efficiency ratio trails 72% of banks under $1B in assets (rank 454 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.82%
Rank 407 of 629
Net Interest Margin
4.05%
Rank 157 of 629
Efficiency Ratio
77.59%
Rank 454 of 629
Equity / Assets
10.17%
Rank 367 of 629
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 28% 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 | 0.82% | 0.60% | 1.01% | 1.45% | Beats 35% | 407 / 629 | | |
| Return on Equity | 8.09% | 5.38% | 9.30% | 13.28% | Beats 41% | 372 / 629 | | |
| Net Interest Margin | 4.05% | 3.03% | 3.54% | 4.05% | Beats 75% | 157 / 629 | | |
| Efficiency Ratio | 77.59% | 58.35% | 67.79% | 79.08% | Beats 28% | 454 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.46% | 1.20% | Beats 54% | 270 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.55% | 11.24% | 13.84% | 18.77% | Beats 39% | 384 / 629 | | |
| Total Risk-Based Capital Ratio | 13.80% | 11.58% | 14.43% | 19.66% | Beats 45% | 349 / 629 | | |
| Equity / Assets | 10.17% | 9.09% | 10.65% | 13.80% | Beats 42% | 367 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.27% | 67.24% | 80.90% | 93.48% | 52nd pctl | 287 / 594 | | |
| Loans / Assets | 73.14% | 53.31% | 67.71% | 78.15% | 61st pctl | 245 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |