BlastPoint's Banking Scorecard
Three Rivers Bank of Montana
Kalispell, MT
3 branches across MT
Three Rivers Bank of Montana has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.1% in tier
- - Capital Thin: Bottom 6.3% in tier
- - Credit Quality Pressure: Bottom 28.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.1M
-5.1% YoY
-1.5% QoQ
|
-$80.0M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$248.6M
-6.0% YoY
-2.6% QoQ
|
-$7.1M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$272.1M
-2.5% YoY
-1.7% QoQ
|
-$55.9M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.30%
+78.1% YoY
+31.0% QoQ
|
+0.03% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
5.15%
+22.6% YoY
+11.1% QoQ
|
+1.22% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Top 5.4% in tier |
| Efficiency Ratio ? |
65.24%
-15.3% YoY
-8.2% QoQ
|
-0.05% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.59%
+11.5% YoY
-7.4% QoQ
|
-0.29% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
91.38%
-3.6% YoY
-0.9% QoQ
|
+14.74% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
26.75%
+8.6% YoY
-1.4% QoQ
|
+4.73% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.48%
+10.5% YoY
-8.5% QoQ
|
-0.15% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.04%
+10.3% YoY
+1.0% QoQ
|
-4.79% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.13%
+4.9% YoY
-78.2% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (0)
Concerns (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.