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
Unfavorable gap of $0.4M · efficiency ratio beats 99% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.61% | 0.60% | 1.01% | 1.45% | Beats 93% | 46 / 629 | |
| Return on Equity | 27.26% | 5.38% | 9.30% | 13.28% | Beats 97% | 19 / 629 | |
| Net Interest Margin | 3.19% | 3.03% | 3.54% | 4.05% | Beats 32% | 429 / 629 | |
| Efficiency Ratio | 26.25% | 58.35% | 67.79% | 79.08% | Beats 99% | 8 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 35.70% | 11.24% | 13.84% | 18.77% | Beats 89% | 72 / 629 | |
| Total Risk-Based Capital Ratio | 36.22% | 11.58% | 14.43% | 19.66% | Beats 88% | 73 / 629 | |
| Equity / Assets | 9.58% | 9.09% | 10.65% | 13.80% | Beats 34% | 417 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 27.40% | 67.24% | 80.90% | 93.48% | 3rd pctl | 574 / 594 | |
| Loans / Assets | 24.76% | 53.31% | 67.71% | 78.15% | 10th pctl | 569 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |