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Bank of The Rockies

$100M-$1B Specialty: Agricultural MT FDIC cert 2205

Helena, MT

7 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 +3.6% year over year ($229.5M on the books).
  • Delinquency rate 1.07%.
  • Return on assets 2.01%.
  • Efficiency ratio 62.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.90% 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) →

Bank of The Rockies has 4 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

  • + Profitability Leader: Top 25.4% in tier
  • + Revenue Diversifier: Top 32.1% in tier
  • + Net Interest Margin 0.95% above tier average
  • + Efficiency Ratio 2.37% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 42.3% in tier
  • - Non-Interest-Bearing Deposit Share 16.86% below tier average
  • - Delinquency Rate 0.16% above tier average
Get updates when Bank of The Rockies releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $277.4M
+6.3% YoY +6.3% QoQ
-$109.1M $386.6M
+1.2% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $210.9M
+9.2% YoY +7.5% QoQ
-$47.4M $258.3M
+1.7% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $229.5M
+3.6% YoY -1.1% QoQ
-$97.2M $326.7M
+0.7% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 2.01%
+29.7% YoY +0.0% QoQ
+0.68% 1.32%
+10.8% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
Top 13.1% in tier
Net Interest Margin ? 4.94%
+2.9% YoY +0.7% QoQ
+0.95% 3.99%
+5.0% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
Top 8.9% in tier
Efficiency Ratio ? 62.11%
-6.0% YoY +0.3% QoQ
-2.37% 64.48%
-3.2% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 1.07%
+52.1% YoY -46.5% QoQ
+0.16% 0.92%
+15.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 91.90%
+5.4% YoY +8.6% QoQ
+13.95% 77.95%
+1.0% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 5.17%
-3.4% YoY -14.1% QoQ
-16.86% 22.03%
-0.6% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
Bottom 3.8% in tier
Nonperforming Asset Ratio ? 0.92%
+45.7% YoY -43.2% QoQ
+0.25% 0.67%
+16.4% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 11.42%
-1.5% YoY -4.0% QoQ
-4.49% 15.91%
+1.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.46%
+22.5% YoY +98.2% QoQ
-0.11% 0.57%
+7.6% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
Top 11.0% in tier

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 5.2%
-0.2pp YoY
-0.8pp QoQ
 -17.0pp 22.1% 26.8% 22.2% 3%
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 18.2%
-1.4pp YoY
-1.3pp QoQ
 +6.6pp 11.6% 14.3% 12.5% 84%
CRE 38.1%
+2.2pp YoY
-1.3pp QoQ
 -1.4pp 39.5% 42.8% 41.4% 49%
1-4 Family 15.3%
+1.2pp YoY
-0.3pp QoQ
 -17.3pp 32.6% 26.0% 31.3% 20%
Consumer 1.4%
-0.6pp YoY
-0.3pp QoQ
 -2.7pp 4.1% 2.7% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio 11.4%
-0.2pp YoY
-0.5pp QoQ
 -7.4pp 18.8% 22.4% 19.7% 11%
Leverage Ratio 9.4%
+0.3pp YoY
0.0pp QoQ
 -2.8pp 12.2% 13.2% 12.6% 18%
Total Capital Ratio 12.6%
-0.2pp YoY
-0.5pp QoQ
 -7.3pp 19.9% 23.5% 20.8% 12%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 64
+8 (+14.3%) YoY
+1 (+1.6%) QoQ
 +5 58 284 482 66%
Assets per Employee ($) $4.3M
-7.0% YoY
+4.6% QoQ
 -$3.2M $7.5M $8.1M $8.8M 7%
Branch Count 7
0 YoY
0 QoQ
 +2 4 21 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.2pp YoY
-1.1pp QoQ
 0.0pp 0.3% 0.6% 0.4% 72%
Nonaccrual 0.8%
+0.2pp YoY
+0.2pp QoQ
 -0.1pp 0.9% 1.1% 1.0% 66%
Allowance Coverage 1.01x
-42.7% YoY
+67.5% QoQ
 -23.14x 24.15x 3.69x 20.23x 27%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.0% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 21.3%
+4.6pp YoY
0.0pp QoQ
 +9.1pp 12.2% 14.2% 11.6% 91%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.5% 1.7% 31%
Net Income ($, YTD) $2.7M
+35.0% YoY
— QoQ
 +$151K $2.6M $14.9M $40.4M 65%

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 (2)

Profitability Leader

growth
#169 of 661 • Top 25.4% in tier

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

Why this signature
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#213 of 661 • Top 32.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.46%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.01%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk
#293 of 691 • Bottom 42.3% 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: 91.90%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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)

235
Net Interest Margin
profitability
Value: 4.94%
Peer Median: 3.99%
#235 of 2643 Top 8.9% in $100M-$1B
292
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.57%
#292 of 2643 Top 11.0% in $100M-$1B
346
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.32%
#346 of 2643 Top 13.1% in $100M-$1B

Top Weaknesses (3 metrics)

2544
Non-Interest-Bearing Deposit Share
funding
Value: 5.17%
Peer Median: 22.03%
#2544 of 2643 Bottom 3.8% in $100M-$1B
2053
Nonperforming Asset Ratio
credit_quality
Value: 0.92%
Peer Median: 0.67%
#2053 of 2643 Bottom 22.4% in $100M-$1B
2052
Loan-to-Deposit Ratio
liquidity
Value: 91.90%
Peer Median: 77.95%
#2052 of 2643 Bottom 22.4% in $100M-$1B
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