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Three Rivers Bank of Montana

$100M-$1B Specialty: Commercial MT FDIC cert 21557

Kalispell, MT

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
  • Deposits -4.3% year over year ($257.9M on the books).
  • Delinquency rate 0.94%.
  • Return on assets 1.40%.
  • Efficiency ratio 65.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.02% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 23 in MT
View $100M-$1B leaderboard (MT) →

Three Rivers Bank of Montana has 2 strengths but faces 3 concerns

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

  • + Deposit Franchise: Top 55.0% in tier
  • + ROA 0.08% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.3% in tier
  • - Capital Constraint: Bottom 36.5% in tier
  • - Efficiency Ratio 0.59% above tier average
Get updates when Three Rivers 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 ? $293.1M
-8.4% YoY -4.3% QoQ
-$93.5M $386.6M
+1.2% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $245.1M
-7.8% YoY -1.4% QoQ
-$13.3M $258.3M
+1.7% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $257.9M
-4.3% YoY -5.2% QoQ
-$68.8M $326.7M
+0.7% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.40%
+93.6% YoY +8.0% QoQ
+0.08% 1.32%
+10.8% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 5.27%
+20.6% YoY +2.3% QoQ
+1.29% 3.99%
+5.0% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
Top 4.7% in tier
Efficiency Ratio ? 65.07%
-14.1% YoY -0.3% QoQ
+0.59% 64.48%
-3.2% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.94%
+64.9% YoY +57.8% QoQ
+0.02% 0.92%
+15.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 95.02%
-3.7% YoY +4.0% QoQ
+17.07% 77.95%
+1.0% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 29.29%
+19.1% YoY +9.5% QoQ
+7.26% 22.03%
-0.6% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.78%
+66.0% YoY +62.4% QoQ
+0.12% 0.67%
+16.4% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 11.72%
+14.4% YoY +6.2% QoQ
-4.19% 15.91%
+1.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.36%
+48.9% YoY +171.7% QoQ
-0.21% 0.57%
+7.6% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
81%

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 29.3%
+4.7pp YoY
+2.5pp QoQ
 +7.1pp 22.1% 26.8% 22.2% 80%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
C&I 11.5%
-0.7pp YoY
+0.2pp QoQ
 -0.1pp 11.6% 14.3% 12.5% 61%
CRE 46.5%
-6.8pp YoY
+0.1pp QoQ
 +7.0pp 39.5% 42.8% 41.4% 65%
1-4 Family 37.8%
+7.0pp YoY
+0.1pp QoQ
 +5.2pp 32.6% 26.0% 31.3% 67%
Consumer 2.0%
+0.1pp YoY
0.0pp QoQ
 -2.2pp 4.1% 2.7% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.4% 19.7% n/a
Leverage Ratio 11.7%
+1.5pp YoY
+0.7pp QoQ
 -0.5pp 12.2% 13.2% 12.6% 61%
Total Capital Ratio n/a n/a 19.9% 23.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 55
-3 (-5.2%) YoY
+2 (+3.8%) QoQ
 -4 58 284 482 58%
Assets per Employee ($) $5.3M
-3.4% YoY
-7.7% QoQ
 -$2.2M $7.5M $8.1M $8.8M 20%
Branch Count 3
0 YoY
0 QoQ
 -2 4 21 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.6% 0.4% n/a
Nonaccrual 0.9%
+0.4pp YoY
+0.3pp QoQ
 0.0pp 0.9% 1.1% 1.0% 70%
Allowance Coverage 1.11x
-44.4% YoY
-36.3% QoQ
 -23.04x 24.15x 3.69x 20.23x 30%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 12.9%
+5.1pp YoY
+0.6pp QoQ
 +0.7pp 12.2% 14.2% 11.6% 55%
Cost of Funds (YTD) 1.6%
-0.7pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.5% 1.7% 40%
Net Income ($, YTD) $2.1M
+82.3% YoY
— QoQ
 -$429K $2.6M $14.9M $40.4M 55%

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)

Deposit Franchise

growth
#154 of 278 • Top 55.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.29%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.27%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (2)

Liquidity Strain

risk
#17 of 691 • Bottom 2.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.02%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#40 of 107 • Bottom 36.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 95.02%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.72%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

124
Net Interest Margin
profitability
Value: 5.27%
Peer Median: 3.99%
#124 of 2643 Top 4.7% in $100M-$1B
505
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#505 of 2643 Top 19.1% in $100M-$1B
530
Non-Interest-Bearing Deposit Share
funding
Value: 29.29%
Peer Median: 22.03%
#530 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (1 metrics)

2215
Loan-to-Deposit Ratio
liquidity
Value: 95.02%
Peer Median: 77.95%
#2215 of 2643 Bottom 16.2% in $100M-$1B
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