BlastPoint's Banking Scorecard

Bank of Montana

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

Missoula, MT

2664 banks in the $100M-$1B peer group nationally 22 in 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 24.5% in tier
+ Return on Assets 1.53% above tier average
+ Efficiency Ratio 35.74% below tier average
+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 35.01% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 2.4% in tier
- Net Interest Margin 0.78% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$349.3M +7.0% YoY +22.5% QoQ	-$36.8M	$386.1M +0.5% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$77.3M -6.3% YoY +0.5% QoQ	-$178.4M	$255.7M +1.1% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	Bottom 9.9% in tier
Total Deposits ?	$318.9M +6.7% YoY +25.3% QoQ	-$9.0M	$328.0M +0.1% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	2.80% -26.7% YoY -22.6% QoQ	+1.53%	1.27% +12.9% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	Top 3.0% in tier
Net Interest Margin ?	3.15% -24.4% YoY -23.1% QoQ	-0.78%	3.93% +6.0% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	29.55% +24.5% YoY -0.6% QoQ	-35.74%	65.29% -4.5% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Top 0.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	24.23% -12.2% YoY -19.8% QoQ	-52.40%	76.64% +0.8% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	Top 1.0% in tier
Non-Interest-Bearing Deposit Share ?	57.03% -12.1% YoY +6.1% QoQ	+35.01%	22.02% -1.0% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	36.72% +17.3% YoY -2.1% QoQ	+20.89%	15.83% +1.5% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	Top 2.0% in tier
Non-Interest Income / Assets ?	0.20% -1.9% YoY -82.8% QoQ	-0.08%	0.28% +9.3% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	Top 13.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Revenue Diversifier

growth

#164 of 666 • Top 24.5% 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: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.80%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Cost Spiral

risk

#4 of 126 • Bottom 2.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 29.55%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 29.55%

Peer Median: 65.29%

#22 of 2664 Top 0.8% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 57.03%

Peer Median: 22.02%

#24 of 2664 Top 0.9% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 24.23%

Peer Median: 76.64%

#28 of 2664 Top 1.0% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 36.72%

Peer Median: 15.83%

#53 of 2664 Top 2.0% in $100M-$1B

Return on Assets

profitability

Value: 2.80%

Peer Median: 1.27%

#80 of 2664 Top 3.0% in $100M-$1B

371

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#371 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (2 metrics)

2401

Total Loans

size

Value: $77.30M

Peer Median: $255.72M

#2401 of 2664 Bottom 9.9% in $100M-$1B

2227

Net Interest Margin

profitability

Value: 3.15%

Peer Median: 3.93%

#2227 of 2664 Bottom 16.4% in $100M-$1B