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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

$308.6MAssets
$76.4MLoans
$278.9MDeposits
$29.6MEquity
Loan mix
36%RE $28.2M64%C&I $49.4M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
47%Interest-bearing $130.8M53%Noninterest $148.1MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 2.78%, down 39 bps year over year; NIM at 3.44%.
  • 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.

Return on Assets (quarter, annualized)

2.78%-39 bps YoY

Net Interest Margin (quarter, annualized)

3.44%-77 bps YoY

Efficiency Ratio (quarter, annualized)

23.52%+327 bps YoY

Tier 1 Leverage Ratio

8.89%-106 bps YoY

NIM

6.33%Q2 ’245.38%Q2 ’254.64%Q2 ’26-23%-18%

Non-interest income vs. expense

1.30%Q2 ’241.05%Q2 ’251.07%Q2 ’26+107%-157%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.26%12.11%3.01%3.17%3.25%1.66%2.20%2.78%-39 bps
Return on Equity24.88%126.11%31.66%34.20%34.58%17.24%22.96%30.57%-363 bps
Net Interest Margin4.86%4.96%4.06%4.21%3.50%3.80%2.98%3.44%-77 bps
Efficiency Ratio51.41%30.60%23.73%20.25%19.50%56.60%29.55%23.52%+327 bps
Non-Interest Burden2.08%-9.58%0.26%0.08%-0.53%1.76%0.28%-0.05%-13 bps
Growth
Asset Growth (YoY)33.35%-16.65%6.36%2.19%2.82%12.58%6.96%1.72%-48 bps
Loan Growth (YoY)-6.88%-0.98%-7.67%-10.73%-12.32%-15.34%-6.28%-4.37%+636 bps
Deposit Growth (YoY)33.04%-18.31%7.36%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.55%0.52%0.56%0.60%0.55%0.54%0.54%0.53%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.91%9.07%9.47%9.95%9.03%9.57%9.22%8.89%-106 bps
Total Risk-Based Capital31.08%29.12%31.86%36.48%36.23%38.05%37.26%36.22%-26 bps
Equity / Assets8.62%10.84%8.45%10.14%8.72%10.70%8.67%9.58%-56 bps
Liquidity & Funding
Loans / Deposits30.93%40.46%27.74%29.41%25.70%30.37%24.37%27.40%-201 bps
Liquid Assets / Assets71.14%61.88%72.58%71.80%74.99%70.43%76.14%73.44%+164 bps
CRE / Total Capitaln/an/an/an/a64.83%61.07%63.24%n/an/a