| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +5.5% | +7.4 pts |
| Deposit growth (YoY) | +11.0% | +5.1% | +5.9 pts |
| Loan growth (YoY) | +9.0% | +5.9% | +3.1 pts |
| ROA | 1.91% | 1.26% | +0.6 pts |
| ROE | 19.7% | 12.2% | +7.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.75B | $6.21B | $5.15B | $754.3M | $73.2M | 1.91% | 3.89% | 0.41% |
| Q1 2026 | $7.68B | $6.32B | $4.96B | $741.8M | $37.1M | 1.94% | 3.82% | 0.41% |
| Q4 2025 | $7.58B | $6.23B | $5.01B | $731.8M | $132.0M | 1.87% | 3.95% | 0.44% |
| Q3 2025 | $7.17B | $5.84B | $4.87B | $703.7M | $91.1M | 1.76% | 3.93% | 0.44% |
| Q2 2025 | $6.86B | $5.60B | $4.72B | $673.3M | $54.8M | 1.60% | 3.89% | 0.46% |
| Q1 2025 | $6.77B | $5.63B | $4.61B | $653.2M | $28.7M | 1.68% | 3.78% | 0.52% |
| Q4 2024 | $6.88B | $5.65B | $4.56B | $621.3M | $98.5M | 1.52% | 3.44% | 0.32% |
| Q3 2024 | $6.62B | $5.36B | $4.41B | $625.6M | $66.4M | 1.38% | 3.32% | 0.19% |
Loan mix (Q2 2026): real estate $4.81B · commercial $185.1M · consumer $50.5M · securities $2.02B
| Ratio | Stockman Bank of Montana | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.26% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 19.7% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.4% | 59.0% | 24th |
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 | Stockman 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 | Stockman 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 | Stockman 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 | Stockman Bank of Montana | 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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