BlastPoint's Banking Scorecard
Opportunity Bank of Montana
Designations: ✓ Community bank
Helena, MT
30 branches across MT
Opportunity Bank of Montana has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.1% in tier
- - Flatlined Growth: Bottom 27.3% in tier
- - ROA 0.48% below tier average
- - Efficiency Ratio 12.04% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+0.2% YoY
-0.7% QoQ
|
-$726.4M |
$2.8B
-0.1% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$1.5B
-0.1% YoY
+0.2% QoQ
|
-$453.1M |
$2.0B
+0.6% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$1.8B
+5.9% YoY
-0.2% QoQ
|
-$540.4M |
$2.3B
-0.3% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
0.88%
+17.5% YoY
+5.8% QoQ
|
-0.48% |
1.37%
+19.6% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
4.30%
+10.0% YoY
+2.9% QoQ
|
+0.48% |
3.82%
+6.9% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
73.10%
-3.9% YoY
-0.5% QoQ
|
+12.04% |
61.06%
-4.6% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.37%
+3.7% YoY
-1.9% QoQ
|
-0.52% |
0.89%
+14.1% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
83.85%
-5.7% YoY
+0.4% QoQ
|
-0.36% |
84.20%
+0.3% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
24.28%
+0.1% YoY
-4.6% QoQ
|
+2.99% |
21.29%
-2.5% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.27%
+4.8% YoY
-1.3% QoQ
|
-0.41% |
0.67%
+15.6% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
13.31%
+6.0% YoY
+1.2% QoQ
|
-1.85% |
15.16%
+2.0% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.22%
+19.6% YoY
-74.2% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
75% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.