| Metric | Bank of Bozeman | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.8 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 8.2% | 11.9% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.4M | $96.4M | $78.1M | $11.0M | $446K | 0.84% | 4.38% | 0.29% |
| Q1 2026 | $110.7M | $98.2M | $78.5M | $10.7M | $227K | 0.87% | 4.42% | 0.52% |
| Q4 2025 | $98.7M | $86.9M | $77.0M | $10.7M | $751K | 0.74% | 4.25% | 0.00% |
| Q3 2025 | $102.6M | $91.1M | $75.5M | $10.4M | $555K | 0.73% | 4.16% | 0.00% |
| Q2 2025 | $103.8M | $86.3M | $77.5M | $9.7M | $333K | 0.66% | 3.98% | 0.34% |
| Q1 2025 | $101.0M | $84.4M | $73.1M | $9.3M | $124K | 0.49% | 3.80% | 0.25% |
| Q4 2024 | $99.5M | $83.0M | $73.9M | $9.1M | $426K | 0.40% | 3.67% | 0.13% |
| Q3 2024 | $106.1M | $89.7M | $75.8M | $9.1M | $250K | 0.31% | 3.48% | 0.12% |
Loan mix (Q2 2026): real estate $59.0M · commercial $19.6M · consumer $339K · securities $14.0M
| Ratio | Bank of Bozeman | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 62.9% | 82th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Bozeman | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Bozeman | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Bozeman | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Bozeman | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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