BlastPoint's Banking Scorecard

Stockman Bank of Montana

$1B-$10B Specialty: Commercial MT FDIC cert 16191

Designations: ✓ Community bank

Miles City, MT

47 branches across MT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in MT.
Deposits +11.0% year over year ($6.2B on the books).
Delinquency rate 0.62%.
Return on assets 1.91%.
Efficiency ratio 50.38% vs a 59.73% peer average.
Loan-to-deposit ratio 82.88% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 5 in MT

View $1B-$10B leaderboard (MT) →

Stockman Bank of Montana shows strong momentum with 3 strengths and 12.9% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 44.1% in tier
+ Efficiency Ratio 9.34% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Stockman Bank of Montana releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$7.7B +12.9% YoY +0.9% QoQ	+$5.0B	$2.8B -0.6% YoY	$2.2B +3.0% YoY	$6.3B +7.7% YoY	Top 4.5% in tier
Total Loans ?	$5.1B +9.0% YoY +3.8% QoQ	+$3.2B	$2.0B -0.3% YoY	$1.4B +2.6% YoY	$3.2B +9.4% YoY	Top 5.9% in tier
Total Deposits ?	$6.2B +11.0% YoY -1.7% QoQ	+$3.9B	$2.3B -0.5% YoY	$1.8B +4.6% YoY	$4.9B +7.3% YoY	Top 5.0% in tier
Return on Assets ?	1.91% +19.0% YoY -1.8% QoQ	+0.52%	1.39% +17.0% YoY	1.54% -6.6% YoY	1.30% +12.1% YoY	Top 14.8% in tier
Net Interest Margin ?	3.89% -0.2% YoY +1.8% QoQ	+0.01%	3.87% +6.2% YoY	4.16% +5.0% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	50.38% -1.9% YoY +3.1% QoQ	-9.34%	59.73% -12.6% YoY	60.98% -0.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.62% -7.3% YoY -2.7% QoQ	-0.25%	0.87% +11.7% YoY	1.28% +29.2% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	82.88% -1.8% YoY +5.6% QoQ	-2.16%	85.04% -0.1% YoY	70.68% -1.2% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	25.09% -7.8% YoY +0.8% QoQ	+3.82%	21.27% -1.5% YoY	26.03% +1.9% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	0.41% -11.3% YoY +0.1% QoQ	-0.26%	0.67% +11.7% YoY	0.78% +50.1% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	12.01% +2.4% YoY -0.2% QoQ	-2.83%	14.84% -0.4% YoY	18.68% -1.3% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.24% +4.1% YoY +112.7% QoQ	-0.29%	0.53% +2.5% YoY	1.73% +7.3% YoY	0.66% +5.2% YoY	39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Noninterest-Bearing	25.1% -2.1pp YoY +0.2pp QoQ	+3.7pp	21.4%	26.8%	22.2%	72%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-9.4pp	9.5%	10.6%	8.5%	4%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
C&I	3.6% -0.1pp YoY -0.1pp QoQ	-10.4pp	14.0%	14.3%	12.5%	12%
CRE	64.8% +1.9pp YoY +0.2pp QoQ	+14.8pp	50.0%	42.8%	41.4%	83%
1-4 Family	18.6% -1.1pp YoY -0.3pp QoQ	-7.8pp	26.4%	26.0%	31.3%	39%
Consumer	1.0% -0.1pp YoY 0.0pp QoQ	-3.7pp	4.7%	2.7%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.3pp YoY 0.0pp QoQ	-3.6pp	15.6%	22.4%	19.7%	24%
Leverage Ratio	9.9% +0.1pp YoY 0.0pp QoQ	-1.4pp	11.3%	13.2%	12.6%	33%
Total Capital Ratio	13.3% +0.3pp YoY 0.0pp QoQ	-3.4pp	16.7%	23.5%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Full-Time Employees	904 +33 (+3.8%) YoY +8 (+0.9%) QoQ	+590	313	284	482	96%
Assets per Employee ($)	$8.6M +8.8% YoY 0.0% QoQ	-$1.9M	$10.5M	$8.1M	$8.8M	48%
Branch Count	47 +2 (+4.4%) YoY 0 QoQ	+27	20	21	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.6%	0.4%	47%
Nonaccrual	0.6% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.8%	1.1%	1.0%	56%
Allowance Coverage	3.03x +4.4% YoY +2.3% QoQ	-15.68x	18.71x	3.69x	20.23x	64%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.0%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
ROE	19.7% +2.8pp YoY -0.4pp QoQ	+7.1pp	12.6%	14.2%	11.6%	90%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.5%	1.7%	57%
Net Income ($, YTD)	$73.2M +33.4% YoY — QoQ	+$53.9M	$19.2M	$14.9M	$40.4M	97%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#99 of 222 • Top 44.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.91%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $7.75B

Peer Median: $2.79B

#41 of 885 Top 4.5% in $1B-$10B

Total Deposits

size

Value: $6.21B

Peer Median: $2.32B

#45 of 885 Top 5.0% in $1B-$10B

Total Loans

size

Value: $5.15B

Peer Median: $1.96B

#53 of 885 Top 5.9% in $1B-$10B

132

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.39%

#132 of 885 Top 14.8% in $1B-$10B

211

Efficiency Ratio

profitability

Value: 50.38%

Peer Median: 59.73%

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available