| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.9% | +4.9% | -8.8 pts |
| Deposit growth (YoY) | +0.6% | +4.3% | -3.8 pts |
| Loan growth (YoY) | -3.1% | +5.3% | -8.5 pts |
| ROA | 1.07% | 1.28% | -0.2 pts |
| ROE | 11.2% | 12.4% | -1.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $530.3M | $437.9M | $318.4M | $52.4M | $2.9M | 1.07% | 3.62% | 0.08% |
| Q1 2026 | $536.3M | $425.9M | $320.4M | $51.5M | $1.4M | 0.99% | 3.55% | 0.10% |
| Q4 2025 | $564.4M | $446.5M | $320.0M | $51.2M | $4.5M | 0.80% | 3.35% | 0.10% |
| Q3 2025 | $562.9M | $446.9M | $324.7M | $50.0M | $3.3M | 0.78% | 3.30% | 0.12% |
| Q2 2025 | $551.7M | $435.4M | $328.7M | $49.0M | $2.2M | 0.78% | 3.27% | 0.20% |
| Q1 2025 | $562.8M | $437.5M | $324.7M | $48.8M | $989K | 0.70% | 3.13% | 0.37% |
| Q4 2024 | $565.7M | $427.5M | $333.3M | $48.1M | $5.7M | 1.00% | 3.03% | 0.12% |
| Q3 2024 | $586.2M | $430.4M | $341.1M | $46.1M | $3.1M | 0.72% | 2.95% | 0.23% |
Loan mix (Q2 2026): real estate $269.9M · commercial $41.7M · consumer $9.8M · securities $161.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Montana Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.4% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
35th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 61.2% | 65th |
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 | First Montana Bank, Inc. | 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 | First Montana Bank, Inc. | 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 | First Montana Bank, Inc. | 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 | First Montana Bank, Inc. | 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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