Missoula, MT · Cert 58482 · Bancorp of Montana Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Missoula, MT · 2026 SOD (annual) · 6.9% share · #7 of 11 inst. · $0.3B of $4.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.17% | 3.18% | 2.85% | 2.20% | 2.56% | -61 bps | |
| Return on Equity | 32.66% | 33.70% | 29.46% | 22.96% | 26.76% | -590 bps | |
| Net Interest Margin | 4.02% | 3.75% | 3.77% | 2.98% | 3.19% | -82 bps | |
| Efficiency Ratio | 21.91% | 21.08% | 29.73% | 29.55% | 26.25% | +435 bps | |
| Non-Interest Burden | 0.16% | -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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.60% | 0.55% | 0.54% | 0.54% | 0.53% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.95% | 9.03% | 9.57% | 9.22% | 8.89% | -106 bps | |
| Total Risk-Based Capital | 36.48% | 36.23% | 38.05% | 37.26% | 36.22% | -26 bps | |
| Equity / Assets | 10.14% | 8.72% | 10.70% | 8.67% | 9.58% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.41% | 25.70% | 30.37% | 24.37% | 27.40% | -201 bps | |
| Liquid Assets / Assets | 71.80% | 74.99% | 70.43% | 76.14% | 73.44% | +164 bps | |
| CRE / Total Capital | n/a | 64.83% | 61.07% | 63.24% | n/a | n/a | |