Bank of Montana
Total assets
$308.6M
▲ +1.7% YoY
Deposits
$278.9M
▲ +2.6% YoY
Loans
$76.0M
▼ -4.3% YoY
Offices
1
BANCORP OF MONTANA HOLDING CO
ROA (annualized)
3.26%
peers 1.24%
ROE (annualized)
34.09%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Montana | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | 3.26% | 1.24% | +2.0 pts |
| ROE | 34.1% | 11.9% | +22.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
Profile
- Established
- 2007
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BANCORP OF MONTANA HOLDING CO
- Specialization
- Other Specialized Under 1 Billion
- Address
- 125 Bank St, Missoula, MT, 59802
- County
- Missoula
- Metro area
- Missoula, MT
- Offices
- 1
- FDIC cert #
- 58482
- RSSD ID
- 3470097
- 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 | $308.6M | $278.9M | $76.0M | $29.6M | $5.1M | 3.26% | 3.45% | 0.00% |
| Q1 2026 | $349.3M | $318.9M | $77.3M | $30.3M | $2.2M | 2.80% | 3.15% | 0.00% |
| Q4 2025 | $285.1M | $254.5M | $76.9M | $30.5M | $10.8M | 3.61% | 4.10% | 0.00% |
| Q3 2025 | $331.2M | $301.1M | $76.9M | $28.9M | $9.2M | 4.05% | 4.04% | 0.00% |
| Q2 2025 | $303.4M | $271.7M | $79.4M | $30.8M | $5.9M | 4.03% | 4.31% | 0.00% |
| Q1 2025 | $326.6M | $298.9M | $82.5M | $27.6M | $2.8M | 3.82% | 4.17% | 0.00% |
| Q4 2024 | $253.3M | $225.7M | $90.8M | $27.5M | $21.5M | 7.26% | 5.28% | 0.00% |
| Q3 2024 | $322.1M | $285.3M | $87.8M | $27.8M | $10.5M | 4.56% | 5.13% | 0.00% |
Loan mix (Q2 2026): real estate $26.8M · commercial $49.5M · consumer $158K · securities $15K
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Montana | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.26% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 34.1% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 26.3% | 62.9% | 0th | |
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 | Bank of Montana | 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 | Bank of Montana | 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 | Bank of Montana | 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 | Bank of Montana | 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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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