Bozeman, MT · Cert 57952 · Bozeman Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Bozeman, MT · 2026 SOD (annual) · 1.8% share · #9 of 16 inst. · $0.1B of $5.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.40% | 0.49% | 0.66% | 0.73% | 0.74% | 0.87% | 0.84% | +19 bps | |
| Return on Equity | 3.93% | 4.95% | 5.41% | 7.13% | 7.70% | 7.64% | 8.47% | 8.24% | +111 bps | |
| Net Interest Margin | 3.31% | 3.49% | 3.55% | 3.75% | 3.82% | 3.99% | 4.13% | 4.05% | +31 bps | |
| Efficiency Ratio | 89.50% | 87.26% | 86.06% | 81.53% | 79.63% | 79.21% | 78.34% | 77.59% | -394 bps | |
| Non-Interest Burden | 2.91% | 2.98% | 3.01% | 2.96% | 2.94% | 3.05% | 3.13% | 3.05% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | -8.85% | -8.57% | -2.31% | -3.32% | -0.73% | 9.59% | 4.43% | +674 bps | |
| Loan Growth (YoY) | -2.81% | -5.08% | -3.08% | 3.48% | -0.66% | 3.83% | 7.19% | 0.76% | -273 bps | |
| Deposit Growth (YoY) | 2.39% | -8.58% | -10.45% | -3.84% | 1.62% | 4.75% | 16.37% | 11.72% | +1,556 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.18% | 0.35% | 0.45% | 0.00% | 0.00% | 0.73% | 0.39% | -6 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.09% | -0.01% | -0.01% | 0.04% | 0.05% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.79% | 1.84% | 1.64% | 1.55% | 1.56% | 1.51% | 1.48% | 1.49% | -6 bps | |
| Allowance Coverage of NPLs | 10.7x | 10.4x | 4.7x | 3.4x | n/a | n/a | 2.0x | 3.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.38% | 9.73% | 10.71% | 10.28% | 10.25% | 10.52% | 10.20% | 10.20% | -9 bps | |
| Total Risk-Based Capital | 13.28% | 13.86% | 15.53% | 13.46% | 14.00% | 13.86% | 13.37% | 13.80% | +34 bps | |
| Equity / Assets | 8.61% | 9.12% | 9.17% | 9.33% | 10.14% | 10.85% | 9.70% | 10.17% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.10% | 90.73% | 88.12% | 91.23% | 84.17% | 89.93% | 81.17% | 82.27% | -895 bps | |
| Liquid Assets / Assets | 0.15% | 0.16% | 0.01% | 0.02% | 0.33% | 0.35% | 0.32% | 0.33% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 316% | 328% | 319% | n/a | n/a | |