BlastPoint's Banking Scorecard
First Montana Bank, Inc.
Missoula, MT
10 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 +0.6% year over year ($437.9M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.07%.
- Efficiency ratio 66.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Montana Bank, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 1.82% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$530.3M
-3.9% YoY
-1.1% QoQ
|
+$143.7M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$318.4M
-3.1% YoY
-0.6% QoQ
|
+$60.1M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
70% |
| Total Deposits ? |
$437.9M
+0.6% YoY
+2.8% QoQ
|
+$111.1M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.07%
+37.7% YoY
+7.4% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.62%
+10.8% YoY
+2.0% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
66.30%
-1.7% YoY
-3.4% QoQ
|
+1.82% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.13%
-61.1% YoY
-22.2% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
72.72%
-3.7% YoY
-3.3% QoQ
|
-5.23% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
27.61%
+0.7% YoY
-2.3% QoQ
|
+5.58% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.08%
-60.8% YoY
-21.8% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
15.89%
+7.5% YoY
+2.7% QoQ
|
-0.02% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.40%
+105.0% YoY
+132.6% QoQ
|
-0.17% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
Top 14.8% 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 |
27.6%
+0.2pp YoY -0.7pp QoQ |
+5.5pp | 22.1% | 26.8% | 22.2% | 75% |
| 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 |
13.1%
-0.7pp YoY +0.4pp QoQ |
+1.5pp | 11.6% | 14.3% | 12.5% | 68% |
| CRE |
55.8%
-0.6pp YoY +0.1pp QoQ |
+16.3pp | 39.5% | 42.8% | 41.4% | 79% |
| 1-4 Family |
28.3%
+1.2pp YoY -0.5pp QoQ |
-4.4pp | 32.6% | 26.0% | 31.3% | 47% |
| Consumer |
3.1%
-0.2pp YoY -0.1pp QoQ |
-1.0pp | 4.1% | 2.7% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.9%
+1.1pp YoY +0.4pp QoQ |
-2.9pp | 18.8% | 22.4% | 19.7% | 57% |
| Leverage Ratio |
10.2%
+0.9pp YoY +0.2pp QoQ |
-2.0pp | 12.2% | 13.2% | 12.6% | 35% |
| Total Capital Ratio |
16.9%
+1.1pp YoY +0.4pp QoQ |
-3.0pp | 19.9% | 23.5% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
89
-3 (-3.3%) YoY 0 QoQ |
+30 | 58 | 284 | 482 | 82% |
| Assets per Employee ($) |
$6.0M
-0.6% YoY -1.1% QoQ |
-$1.6M | $7.5M | $8.1M | $8.8M | 33% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 21 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 22% |
| Allowance Coverage |
8.20x
+164.3% YoY +31.7% QoQ |
-15.96x | 24.15x | 3.69x | 20.23x | 79% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 71% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+2.3pp YoY +0.6pp QoQ |
-1.0pp | 12.2% | 14.2% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.7% | 29% |
| Net Income ($, YTD) |
$2.9M
+33.6% YoY — QoQ |
+$346K | $2.6M | $14.9M | $40.4M | 68% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.