BlastPoint's Banking Scorecard
Bank of Bozeman
Bozeman, 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 +11.7% year over year ($96.4M on the books).
- Delinquency rate 0.40%.
- Return on assets 0.84%.
- Efficiency ratio 77.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.04% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Bozeman has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Efficiency Ratio 13.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.4M
+4.4% YoY
-2.1% QoQ
|
-$278.1M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.2% in tier |
| Total Loans ? |
$78.1M
+0.8% YoY
-0.5% QoQ
|
-$180.2M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.6% in tier |
| Total Deposits ? |
$96.4M
+11.7% YoY
-1.8% QoQ
|
-$230.3M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.6% in tier |
| Return on Assets ? |
0.84%
+28.2% YoY
-2.9% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
4.38%
+10.1% YoY
-0.8% QoQ
|
+0.40% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
77.59%
-4.8% YoY
-1.0% QoQ
|
+13.12% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
0.40%
-13.1% YoY
-46.2% QoQ
|
-0.52% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
81.04%
-9.8% YoY
+1.4% QoQ
|
+3.09% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
17.78%
-13.0% YoY
+4.2% QoQ
|
-4.25% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.29%
-16.1% YoY
-45.3% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.55%
+2.8% YoY
+3.6% QoQ
|
-3.36% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.18%
-10.8% YoY
+86.5% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
43% |
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 |
17.8%
-2.6pp YoY +0.7pp QoQ |
-4.4pp | 22.1% | 26.8% | 22.2% | 35% |
| 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 |
25.1%
+4.8pp YoY +1.1pp QoQ |
+13.5pp | 11.6% | 14.3% | 12.5% | 93% |
| CRE |
43.5%
-0.4pp YoY +0.2pp QoQ |
+4.0pp | 39.5% | 42.8% | 41.4% | 59% |
| 1-4 Family |
28.3%
-4.8pp YoY -1.3pp QoQ |
-4.4pp | 32.6% | 26.0% | 31.3% | 47% |
| Consumer |
0.4%
-0.2pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 2.7% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
+0.4pp YoY +0.4pp QoQ |
-6.3pp | 18.8% | 22.4% | 19.7% | 23% |
| Leverage Ratio |
10.2%
-0.1pp YoY 0.0pp QoQ |
-2.0pp | 12.2% | 13.2% | 12.6% | 35% |
| Total Capital Ratio |
13.8%
+0.3pp YoY +0.4pp QoQ |
-6.1pp | 19.9% | 23.5% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
+1 (+4.8%) YoY -1 (-4.3%) QoQ |
-37 | 58 | 284 | 482 | 14% |
| Assets per Employee ($) |
$4.9M
-0.3% YoY +2.4% QoQ |
-$2.6M | $7.5M | $8.1M | $8.8M | 14% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 0.3% | 0.6% | 0.4% | 78% |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
3.80x
+10.7% YoY +87.0% QoQ |
-20.35x | 24.15x | 3.69x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.0% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+1.1pp YoY -0.2pp QoQ |
-4.0pp | 12.2% | 14.2% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.5% | 1.7% | 67% |
| Net Income ($, YTD) |
$446,000
+33.9% YoY — QoQ |
-$2.1M | $2.6M | $14.9M | $40.4M | 9% |
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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.