| 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
| 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
Nothing unusual in Q2 2026 — steady quarter.
| 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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Bank of Montana | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $278.9M branch deposits. Biggest market: Missoula, MT, ranked 8th with 5.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Missoula, MT | 1 | $278.9M | 5.46% | 8th |
Montana: 25th with 0.60% · Missoula metro: 8th, 5.38% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (12 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).