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Bank of Montana

$100M-$1B Specialty: Other MT FDIC cert 58482

Missoula, 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 +2.6% year over year ($278.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 3.26%.
  • Efficiency ratio 26.25% vs a 64.48% peer average.
  • Loan-to-deposit ratio 27.25% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 23 in MT
View $100M-$1B leaderboard (MT) →

Bank of Montana has 6 strengths but faces 2 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

  • + Revenue Diversifier: Top 16.0% in tier
  • + Credit Quality Leader: Top 49.6% in tier
  • + Return on Assets 1.94% above tier average
  • + Efficiency Ratio 38.23% below tier average
  • + Non-Interest-Bearing Deposit Share 31.09% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 67.4% in tier
  • - Net Interest Margin 0.54% below tier average
Get updates when 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 ? $308.6M
+1.7% YoY -11.7% QoQ
-$78.0M $386.6M
+1.2% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $76.0M
-4.3% YoY -1.7% QoQ
-$182.3M $258.3M
+1.7% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
Bottom 8.9% in tier
Total Deposits ? $278.9M
+2.6% YoY -12.6% QoQ
-$47.8M $326.7M
+0.7% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 3.26%
-19.1% YoY +16.7% QoQ
+1.94% 1.32%
+10.8% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
Top 1.5% in tier
Net Interest Margin ? 3.45%
-20.0% YoY +9.3% QoQ
-0.54% 3.99%
+5.0% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 26.25%
+19.8% YoY -11.1% QoQ
-38.23% 64.48%
-3.2% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
Top 0.5% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 27.25%
-6.8% YoY +12.4% QoQ
-50.70% 77.95%
+1.0% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
Top 1.4% in tier
Non-Interest-Bearing Deposit Share ? 53.12%
-0.1% YoY -6.9% QoQ
+31.09% 22.03%
-0.6% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
Top 1.2% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 35.70%
-0.5% YoY -2.8% QoQ
+19.79% 15.91%
+1.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
Top 2.4% in tier
Non-Interest Income / Assets ? 0.53%
+13.4% YoY +162.7% QoQ
-0.04% 0.57%
+7.6% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
Top 8.7% in tier

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 53.1%
-0.1pp YoY
-3.9pp QoQ
 +31.0pp 22.1% 26.8% 22.2% 99%
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 65.1%
0.0pp YoY
+1.2pp QoQ
 +53.5pp 11.6% 14.3% 12.5% 100%
CRE 25.2%
+3.5pp YoY
+0.5pp QoQ
 -14.3pp 39.5% 42.8% 41.4% 27%
1-4 Family 10.0%
-1.5pp YoY
-1.7pp QoQ
 -22.6pp 32.6% 26.0% 31.3% 11%
Consumer 0.2%
-2.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 2.7% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio 35.7%
-0.2pp YoY
-1.0pp QoQ
 +16.9pp 18.8% 22.4% 19.7% 96%
Leverage Ratio 8.9%
-1.1pp YoY
-0.3pp QoQ
 -3.3pp 12.2% 13.2% 12.6% 11%
Total Capital Ratio 36.2%
-0.3pp YoY
-1.0pp QoQ
 +16.3pp 19.9% 23.5% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 8
0 YoY
-2 (-20.0%) QoQ
 -51 58 284 482 0%
Assets per Employee ($) $38.6M
+1.7% YoY
+10.4% QoQ
 +$31.1M $7.5M $8.1M $8.8M 100%
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 n/a n/a 0.3% 0.6% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 3.69x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.0% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 34.1%
-7.4pp YoY
+4.9pp QoQ
 +21.9pp 12.2% 14.2% 11.6% 99%
Cost of Funds (YTD) 1.3%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.5% 1.7% 23%
Net Income ($, YTD) $5.1M
-13.6% YoY
— QoQ
 +$2.6M $2.6M $14.9M $40.4M 88%

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 (2)

Revenue Diversifier

growth
#107 of 661 • Top 16.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.53%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 3.26%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#328 of 659 • Top 49.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#208 of 307 • Bottom 67.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 3.26%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
13
Efficiency Ratio
profitability
Value: 26.25%
Peer Median: 64.48%
#13 of 2643 Top 0.5% in $100M-$1B
33
Non-Interest-Bearing Deposit Share
funding
Value: 53.12%
Peer Median: 22.03%
#33 of 2643 Top 1.2% in $100M-$1B
37
Loan-to-Deposit Ratio
liquidity
Value: 27.25%
Peer Median: 77.95%
#37 of 2643 Top 1.4% in $100M-$1B
40
Return on Assets
profitability
Value: 3.26%
Peer Median: 1.32%
#40 of 2643 Top 1.5% in $100M-$1B
65
Tier 1 Capital Ratio
capital
Value: 35.70%
Peer Median: 15.91%
#65 of 2643 Top 2.4% in $100M-$1B
231
Non-Interest Income / Assets
revenue_mix
Value: 0.53%
Peer Median: 0.57%
#231 of 2643 Top 8.7% in $100M-$1B

Top Weaknesses (1 metrics)

2410
Total Loans
size
Value: $76.00M
Peer Median: $258.35M
#2410 of 2643 Bottom 8.9% in $100M-$1B
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