Bank of Bridger, National Association
Total assets
$802.7M
▼ -0.4% YoY
Deposits
$729.8M
▼ -1.4% YoY
Loans
$383.6M
▲ +5.2% YoY
Offices
12
BRIDGER CO THE
ROA (annualized)
0.92%
peers 1.28%
ROE (annualized)
10.76%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.9% | -5.3 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +5.2% | +5.3% | -0.2 pts |
| ROA | 0.92% | 1.28% | -0.4 pts |
| ROE | 10.8% | 12.4% | -1.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1906
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BRIDGER CO THE
- Specialization
- Agricultural Specialization
- Address
- 101 S Main St, Bridger, MT, 59014
- County
- Carbon
- Metro area
- Billings, MT
- Offices
- 12
- FDIC cert #
- 2224
- RSSD ID
- 17950
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $802.7M | $729.8M | $383.6M | $68.5M | $3.7M | 0.92% | 3.20% | 0.23% |
| Q1 2026 | $791.9M | $720.4M | $365.5M | $67.8M | $1.8M | 0.90% | 3.13% | 0.43% |
| Q4 2025 | $798.8M | $703.5M | $367.0M | $68.6M | $5.7M | 0.72% | 2.97% | 0.38% |
| Q3 2025 | $800.7M | $730.2M | $370.3M | $66.8M | $4.2M | 0.71% | 2.92% | 0.40% |
| Q2 2025 | $805.7M | $740.3M | $364.7M | $61.4M | $2.6M | 0.66% | 2.84% | 0.52% |
| Q1 2025 | $771.9M | $709.9M | $345.3M | $57.9M | $1.3M | 0.65% | 2.77% | 0.51% |
| Q4 2024 | $775.2M | $719.1M | $345.5M | $53.0M | $4.4M | 0.59% | 2.67% | 0.50% |
| Q3 2024 | $757.3M | $682.4M | $352.6M | $58.9M | $3.3M | 0.58% | 2.65% | 0.37% |
Loan mix (Q2 2026): real estate $293.1M · commercial $31.1M · consumer $16.3M · securities $379.5M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.89% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 61.2% | 49th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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