Opportunity Bank of Montana
Total assets
$2.12B
▼ -0.6% YoY
Deposits
$1.81B
▲ +3.1% YoY
Loans
$1.56B
▼ -0.6% YoY
Offices
30
EAGLE BCORP MONTANA INC
ROA (annualized)
0.85%
peers 1.26%
ROE (annualized)
7.28%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +5.5% | -6.0 pts |
| Deposit growth (YoY) | +3.1% | +5.1% | -1.9 pts |
| Loan growth (YoY) | -0.6% | +5.9% | -6.5 pts |
| ROA | 0.85% | 1.26% | -0.4 pts |
| ROE | 7.3% | 12.2% | -4.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
Profile
- Established
- 1922
- Charter
- State
- Primary regulator
- FED
- Holding company
- EAGLE BCORP MONTANA INC
- Specialization
- Commercial Lending Specialization
- Address
- 1400 Prospect Ave, Helena, MT, 59601
- County
- Lewis And Clark
- Metro area
- Helena, MT
- Offices
- 30
- FDIC cert #
- 30182
- RSSD ID
- 685676
- 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 | $2.12B | $1.81B | $1.56B | $248.8M | $9.0M | 0.85% | 4.32% | 0.20% |
| Q1 2026 | $2.09B | $1.80B | $1.51B | $245.2M | $4.6M | 0.88% | 4.30% | 0.27% |
| Q4 2025 | $2.10B | $1.81B | $1.51B | $245.3M | $17.6M | 0.83% | 4.18% | 0.27% |
| Q3 2025 | $2.12B | $1.77B | $1.55B | $240.2M | $12.2M | 0.77% | 4.10% | 0.20% |
| Q2 2025 | $2.13B | $1.75B | $1.57B | $235.1M | $7.9M | 0.75% | 4.01% | 0.24% |
| Q1 2025 | $2.09B | $1.70B | $1.51B | $230.7M | $3.9M | 0.75% | 3.91% | 0.26% |
| Q4 2024 | $2.10B | $1.70B | $1.52B | $227.6M | $12.4M | 0.59% | 3.66% | 0.18% |
| Q3 2024 | $2.14B | $1.66B | $1.53B | $229.8M | $8.3M | 0.53% | 3.59% | 0.22% |
Loan mix (Q2 2026): real estate $1.25B · commercial $149.9M · consumer $21.3M · securities $285.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.26% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.70% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 59.0% | 86th | |
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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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