BlastPoint's Banking Scorecard

First Montana Bank, Inc.

$100M-$1B Specialty: Commercial MT FDIC cert 363

Missoula, MT

10 branches across MT

2664 banks in the $100M-$1B peer group nationally 22 in MT

First Montana Bank, Inc. has 1 strength 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

+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Net Interest Margin 0.38% below tier average
- Efficiency Ratio 3.35% above tier average

Get updates when First Montana Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$536.3M -4.7% YoY -5.0% QoQ	+$150.2M	$386.1M +0.5% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$320.4M -1.3% YoY +0.1% QoQ	+$64.7M	$255.7M +1.1% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$425.9M -2.6% YoY -4.6% QoQ	+$98.0M	$328.0M +0.1% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	0.99% +41.7% YoY +23.5% QoQ	-0.28%	1.27% +12.9% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.55% +13.5% YoY +6.0% QoQ	-0.38%	3.93% +6.0% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	68.64% +3.1% YoY +0.4% QoQ	+3.35%	65.29% -4.5% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.17% -74.0% YoY -6.8% QoQ	-0.72%	0.89% +18.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	75.22% +1.4% YoY +5.0% QoQ	-1.42%	76.64% +0.8% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	28.27% +2.0% YoY -3.5% QoQ	+6.25%	22.02% -1.0% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.10% -73.1% YoY -1.8% QoQ	-0.54%	0.64% +19.7% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	15.48% +3.4% YoY +0.4% QoQ	-0.35%	15.83% +1.5% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.17% +84.9% YoY -56.3% QoQ	-0.11%	0.28% +9.3% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	80%

Get Full Access to First Montana Bank, Inc.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

547

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#547 of 2664 Top 20.5% in $100M-$1B

607

Non-Interest-Bearing Deposit Share

funding

Value: 28.27%

Peer Median: 22.02%

#607 of 2664 Top 22.7% in $100M-$1B

665

Total Assets

size

Value: $536.28M

Peer Median: $386.08M

#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available