BlastPoint's Banking Scorecard

Opportunity Bank of Montana

$1B-$10B Specialty: Commercial MT FDIC cert 30182

Designations: ✓ Community bank

Helena, MT

30 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 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in MT.
Deposits +3.1% year over year ($1.8B on the books).
Delinquency rate 0.27%.
Return on assets 0.85%.
Efficiency ratio 73.97% vs a 59.73% peer average.
Loan-to-deposit ratio 86.17% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 5 in MT

View $1B-$10B leaderboard (MT) →

Opportunity 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

+ Net Interest Margin 0.45% above tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 16.0% in tier
- ROA 0.54% below tier average
- Efficiency Ratio 14.24% above tier average

Get updates when Opportunity 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 ?	$2.1B -0.6% YoY +1.6% QoQ	-$670.3M	$2.8B -0.6% YoY	$2.2B +3.0% YoY	$6.3B +7.7% YoY	53%
Total Loans ?	$1.6B -0.6% YoY +3.0% QoQ	-$406.5M	$2.0B -0.3% YoY	$1.4B +2.6% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$1.8B +3.1% YoY +0.2% QoQ	-$512.4M	$2.3B -0.5% YoY	$1.8B +4.6% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	0.85% +14.2% YoY -3.4% QoQ	-0.54%	1.39% +17.0% YoY	1.54% -6.6% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	4.32% +7.7% YoY +0.5% QoQ	+0.45%	3.87% +6.2% YoY	4.16% +5.0% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	73.97% -1.0% YoY +1.2% QoQ	+14.24%	59.73% -12.6% YoY	60.98% -0.5% YoY	70.05% +2.5% YoY	Bottom 14.2% in tier
Delinquency Rate ?	0.27% -17.6% YoY -26.9% QoQ	-0.60%	0.87% +11.7% YoY	1.28% +29.2% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	86.17% -3.6% YoY +2.8% QoQ	+1.14%	85.04% -0.1% YoY	70.68% -1.2% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	24.83% +4.1% YoY +2.3% QoQ	+3.56%	21.27% -1.5% YoY	26.03% +1.9% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.20% -17.6% YoY -25.6% QoQ	-0.47%	0.67% +11.7% YoY	0.78% +50.1% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	13.10% +5.6% YoY -1.6% QoQ	-1.74%	14.84% -0.4% YoY	18.68% -1.3% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.44% +10.6% YoY +99.9% QoQ	-0.09%	0.53% +2.5% YoY	1.73% +7.3% YoY	0.66% +5.2% YoY	75%

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	24.8% +1.0pp YoY +0.6pp QoQ	+3.5pp	21.4%	26.8%	22.2%	71%
Brokered Deposits	0.0% -0.4pp YoY -0.1pp QoQ	-9.5pp	9.5%	10.6%	8.5%	2%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
C&I	9.6% +0.9pp YoY +0.4pp QoQ	-4.4pp	14.0%	14.3%	12.5%	42%
CRE	53.2% +0.7pp YoY -0.3pp QoQ	+3.2pp	50.0%	42.8%	41.4%	61%
1-4 Family	17.2% +0.4pp YoY -0.2pp QoQ	-9.2pp	26.4%	26.0%	31.3%	36%
Consumer	1.4% -0.3pp YoY -0.2pp QoQ	-3.3pp	4.7%	2.7%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.7pp YoY -0.2pp QoQ	-2.5pp	15.6%	22.4%	19.7%	43%
Leverage Ratio	10.9% +0.6pp YoY +0.1pp QoQ	-0.4pp	11.3%	13.2%	12.6%	59%
Total Capital Ratio	14.2% +0.7pp YoY -0.2pp QoQ	-2.5pp	16.7%	23.5%	20.8%	43%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Full-Time Employees	376 -2 (-0.5%) YoY -3 (-0.8%) QoQ	+62	313	284	482	76%
Assets per Employee ($)	$5.6M 0.0% YoY +2.4% QoQ	-$4.8M	$10.5M	$8.1M	$8.8M	8%
Branch Count	30 0 YoY 0 QoQ	+10	20	21	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.2%	0.6%	0.4%	72%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.1%	1.0%	20%
Allowance Coverage	4.24x +21.4% YoY +34.5% QoQ	-14.47x	18.71x	3.69x	20.23x	74%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.0%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
ROE	7.3% +0.5pp YoY -0.3pp QoQ	-5.3pp	12.6%	14.2%	11.6%	17%
Cost of Funds (YTD)	1.5% -0.4pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.5%	1.7%	22%
Net Income ($, YTD)	$9.0M +14.2% YoY — QoQ	-$10.3M	$19.2M	$14.9M	$40.4M	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#27 of 162 • Bottom 16.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.85%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

161

Net Interest Margin

profitability

Value: 4.32%

Peer Median: 3.87%

#161 of 885 Top 18.1% in $1B-$10B

222

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.53%

#222 of 885 Top 25.0% in $1B-$10B

Top Weaknesses (2 metrics)

760

Efficiency Ratio

profitability

Value: 73.97%

Peer Median: 59.73%

#760 of 885 Bottom 14.2% in $1B-$10B

705

Return on Assets

profitability

Value: 0.85%

Peer Median: 1.39%

#705 of 885 Bottom 20.5% in $1B-$10B