BlastPoint's Banking Scorecard
Stockman Bank of Montana
Designations: ✓ Community bank
Miles City, MT
47 branches across MT
Stockman Bank of Montana shows strong momentum with 3 strengths and 13.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 44.3% in tier
- + Efficiency Ratio 12.17% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.7B
+13.3% YoY
+1.3% QoQ
|
+$4.9B |
$2.8B
-0.1% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
Top 5.3% in tier |
| Total Loans ? |
$5.0B
+7.6% YoY
-0.9% QoQ
|
+$3.0B |
$2.0B
+0.6% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
Top 6.7% in tier |
| Total Deposits ? |
$6.3B
+12.3% YoY
+1.5% QoQ
|
+$4.0B |
$2.3B
-0.3% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Top 5.4% in tier |
| Return on Assets ? |
1.94%
+15.5% YoY
+3.8% QoQ
|
+0.58% |
1.37%
+19.6% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
Top 11.5% in tier |
| Net Interest Margin ? |
3.82%
+0.9% YoY
-3.4% QoQ
|
+0.00% |
3.82%
+6.9% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
48.89%
-2.9% YoY
-2.1% QoQ
|
-12.17% |
61.06%
-4.6% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.63%
-16.5% YoY
-5.4% QoQ
|
-0.26% |
0.89%
+14.1% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
78.48%
-4.2% YoY
-2.3% QoQ
|
-5.72% |
84.20%
+0.3% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
24.89%
-7.7% YoY
-6.0% QoQ
|
+3.60% |
21.29%
-2.5% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.41%
-20.7% YoY
-7.4% QoQ
|
-0.26% |
0.67%
+15.6% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.04%
+2.4% YoY
+3.9% QoQ
|
-3.12% |
15.16%
+2.0% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.11%
+4.4% YoY
-75.0% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
37% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.