BlastPoint's Banking Scorecard
Bank of Bridger, National Association
Bridger, MT
12 branches across MT · WY
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 -1.4% year over year ($729.8M on the books).
- Delinquency rate 0.48%.
- Return on assets 0.92%.
- Efficiency ratio 61.03% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.56% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Bridger, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.45% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25.1% in tier
- - ROA 0.40% below tier average
- - Net Interest Margin 0.78% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$802.7M
-0.4% YoY
+1.4% QoQ
|
+$416.2M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Top 8.0% in tier |
| Total Loans ? |
$383.6M
+5.2% YoY
+4.9% QoQ
|
+$125.2M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$729.8M
-1.4% YoY
+1.3% QoQ
|
+$403.1M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Top 5.0% in tier |
| Return on Assets ? |
0.92%
+39.8% YoY
+2.5% QoQ
|
-0.40% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.20%
+12.7% YoY
+2.5% QoQ
|
-0.78% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
61.03%
-10.9% YoY
+1.2% QoQ
|
-3.45% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.48%
-58.1% YoY
-48.2% QoQ
|
-0.44% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
52.56%
+6.7% YoY
+3.6% QoQ
|
-25.39% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.61%
+2.5% YoY
+1.4% QoQ
|
+0.58% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.23%
-55.8% YoY
-46.4% QoQ
|
-0.44% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
19.23%
-0.4% YoY
-2.0% QoQ
|
+3.32% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.08%
+21.8% YoY
+83.0% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.6%
+0.6pp YoY +0.3pp QoQ |
+0.5pp | 22.1% | 26.8% | 22.2% | 57% |
| 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 |
8.1%
+0.4pp YoY +0.2pp QoQ |
-3.4pp | 11.6% | 14.3% | 12.5% | 41% |
| CRE |
23.2%
-1.6pp YoY -1.4pp QoQ |
-16.4pp | 39.5% | 42.8% | 41.4% | 23% |
| 1-4 Family |
28.3%
+0.4pp YoY -0.6pp QoQ |
-4.4pp | 32.6% | 26.0% | 31.3% | 47% |
| Consumer |
4.2%
+0.2pp YoY -0.4pp QoQ |
+0.1pp | 4.1% | 2.7% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.2%
-0.1pp YoY -0.4pp QoQ |
+0.4pp | 18.8% | 22.4% | 19.7% | 75% |
| Leverage Ratio |
10.1%
+0.4pp YoY +0.1pp QoQ |
-2.1pp | 12.2% | 13.2% | 12.6% | 33% |
| Total Capital Ratio |
20.5%
-0.1pp YoY -0.4pp QoQ |
+0.5pp | 19.9% | 23.5% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
129
0 YoY +2 (+1.6%) QoQ |
+70 | 58 | 284 | 482 | 95% |
| Assets per Employee ($) |
$6.2M
-0.4% YoY -0.2% QoQ |
-$1.3M | $7.5M | $8.1M | $8.8M | 37% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 21 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.7pp YoY -0.4pp QoQ |
-0.5pp | 0.9% | 1.1% | 1.0% | 52% |
| Allowance Coverage |
3.07x
+115.9% YoY +87.0% QoQ |
-21.08x | 24.15x | 3.69x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
+1.8pp YoY +0.3pp QoQ |
-1.4pp | 12.2% | 14.2% | 11.6% | 41% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.5% | 1.7% | 47% |
| Net Income ($, YTD) |
$3.7M
+42.2% YoY — QoQ |
+$1.1M | $2.6M | $14.9M | $40.4M | 77% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.