BlastPoint's Banking Scorecard
Bank of Bozeman
Bozeman, MT
Bank of Bozeman has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45.3% in tier
- - NIB Deposit Bleed: Bottom 63.1% in tier
- - ROA 0.40% below tier average
- - Efficiency Ratio 13.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$110.7M
+9.6% YoY
+12.1% QoQ
|
-$275.4M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.9% in tier |
| Total Loans ? |
$78.5M
+7.4% YoY
+2.0% QoQ
|
-$177.2M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.6% in tier |
| Total Deposits ? |
$98.2M
+16.4% YoY
+12.9% QoQ
|
-$229.8M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.0% in tier |
| Return on Assets ? |
0.87%
+75.2% YoY
+16.7% QoQ
|
-0.40% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
4.42%
+16.2% YoY
+4.1% QoQ
|
+0.49% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
78.34%
-9.0% YoY
-1.1% QoQ
|
+13.06% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.74%
+110.6% YoY
|
-0.15% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
79.96%
-7.7% YoY
-9.7% QoQ
|
+3.32% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
17.06%
-14.9% YoY
-16.7% QoQ
|
-4.95% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.52%
+106.3% YoY
|
-0.11% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
12.12%
-15.1% YoY
-3.9% QoQ
|
-3.71% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.09%
+3.2% YoY
-78.5% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.