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Bank of Montana

Missoula, MT · Cert 58482 · Bancorp of Montana Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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=581 to 629). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer 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

Bank of Montana

Missoula, MT · Cert 58482 · Bancorp of Montana Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$308.6MAssets
$76.4MLoans
$278.9MDeposits
$29.6MEquity
Loan mix
36%RE $28.2M64%C&I $49.4M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
47%Interest-bearing $130.8M53%Noninterest $148.1MQ2 2025Q2 2026

NIM

6.08%Q2 ’245.12%Q2 ’254.39%Q2 ’26-24%-21%

Non-interest income vs. expense

1.39%Q2 ’241.08%Q2 ’251.10%Q2 ’26+151%-31%

Market Position · Missoula, MT · 2026 SOD (annual) · 6.9% share · #7 of 11 inst. · $0.3B of $4.0B

Executive Summary

  • Earnings: ROA of 2.56%, down 61 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.89%, down 106 bps from a year ago.
  • Funding: loans stand at 27.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.56%-61 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-82 bps YoY

Efficiency Ratio (YTD, annualized)

26.25%+435 bps YoY

Tier 1 Leverage Ratio

8.89%-106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.17%3.18%2.85%2.20%2.56%-61 bps
Return on Equity32.66%33.70%29.46%22.96%26.76%-590 bps
Net Interest Margin4.02%3.75%3.77%2.98%3.19%-82 bps
Efficiency Ratio21.91%21.08%29.73%29.55%26.25%+435 bps
Non-Interest Burden0.16%-0.07%0.39%0.28%0.11%-5 bps
Growth
Asset Growth (YoY)2.19%2.82%12.58%6.96%1.72%-48 bps
Loan Growth (YoY)-10.73%-12.32%-15.34%-6.28%-4.37%+636 bps
Deposit Growth (YoY)1.24%5.55%12.78%6.71%2.65%+141 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.60%0.55%0.54%0.54%0.53%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.95%9.03%9.57%9.22%8.89%-106 bps
Total Risk-Based Capital36.48%36.23%38.05%37.26%36.22%-26 bps
Equity / Assets10.14%8.72%10.70%8.67%9.58%-56 bps
Liquidity & Funding
Loans / Deposits29.41%25.70%30.37%24.37%27.40%-201 bps
Liquid Assets / Assets71.80%74.99%70.43%76.14%73.44%+164 bps
CRE / Total Capitaln/a64.83%61.07%63.24%n/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

Bank of Montana

Missoula, MT · Cert 58482 · Peer group: banks under $1B in assets (n=581-629) · Bancorp of Montana Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$308.6MAssets
$76.4MLoans
$278.9MDeposits
$29.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: net interest margin trails 68% of banks under $1B in assets (rank 429 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.61%

Rank 46 of 629

Net Interest Margin

3.19%

Rank 429 of 629

Efficiency Ratio

26.25%

Rank 8 of 629

Equity / Assets

9.58%

Rank 417 of 629

Non-interest income vs. expense

$3.3M$3.6MINCOMEEXPENSE
Unfavorable gap of $0.4M · efficiency ratio beats 99% of banks under $1B in assets
Bank 26.25%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.61%0.60%1.01%1.45%Beats 93%46 / 629
Return on Equity27.26%5.38%9.30%13.28%Beats 97%19 / 629
Net Interest Margin3.19%3.03%3.54%4.05%Beats 32%429 / 629
Efficiency Ratio26.25%58.35%67.79%79.08%Beats 99%8 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio35.70%11.24%13.84%18.77%Beats 89%72 / 629
Total Risk-Based Capital Ratio36.22%11.58%14.43%19.66%Beats 88%73 / 629
Equity / Assets9.58%9.09%10.65%13.80%Beats 34%417 / 629
Liquidity & Funding
Loans / Deposits27.40%67.24%80.90%93.48%3rd pctl574 / 594
Loans / Assets24.76%53.31%67.71%78.15%10th pctl569 / 629
Brokered Deposits / Depositsn/aNot reported for this institution