BlastPoint's Banking Scorecard
Bank of The Rockies
Helena, MT
7 branches across MT
Bank of The Rockies has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29.0% in tier
- + Net Interest Margin 0.97% above tier average
- + ROA 0.74% above tier average
- + Efficiency Ratio 3.36% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.00% below tier average
- - Delinquency Rate 1.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.0M
+0.8% YoY
-3.5% QoQ
|
-$125.0M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$196.2M
+2.5% YoY
+3.9% QoQ
|
-$59.5M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$232.0M
+5.7% YoY
-2.0% QoQ
|
-$96.0M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
2.01%
+7.6% YoY
+20.0% QoQ
|
+0.74% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
Top 12.3% in tier |
| Net Interest Margin ? |
4.91%
+2.0% YoY
+0.6% QoQ
|
+0.97% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Top 8.9% in tier |
| Efficiency Ratio ? |
61.93%
-1.1% YoY
-5.6% QoQ
|
-3.36% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? | 2.01% | +1.12% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.4% in tier |
| Loan-to-Deposit Ratio ? |
84.59%
-3.1% YoY
+6.1% QoQ
|
+7.95% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
6.02%
+5.2% YoY
-0.1% QoQ
|
-16.00% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.6% in tier |
| Nonperforming Asset Ratio ? |
1.62%
+654.8% YoY
|
+0.98% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.1% in tier |
| Tier 1 Capital Ratio ? |
11.89%
+3.7% YoY
+0.9% QoQ
|
-3.94% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.23%
+20.2% YoY
-69.3% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 10.5% in tier |
Get Full Access to Bank of The Rockies
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.