| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Opportunity Bank of Montana | Bank | 3 | $183.0M | 45.23% |
| 2 | Independence Bank | Bank | 2 | $155.8M | 38.52% |
| 3 | Richland Federal Credit Union | Credit union | 1 | $47.4M* | 11.71% |
| 4 | Wolf Point Federal Credit Union | Credit union | 1 | $17.4M* | 4.30% |
| 5 | Froid Federal Credit Union | Credit union | 1 | $971K* | 0.24% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $404.6M | 5 | 8 | Opportunity Bank of Montana | 45.2% | 3,685 |
| 2024 | $402.1M | 5 | 8 | Independence Bank | 42.5% | 3,702 |
| 2023 | $412.8M | 5 | 8 | Opportunity Bank of Montana | 46.2% | 3,657 |
| 2022 | $419.8M | 5 | 7 | Opportunity Bank of Montana | 50.3% | 3,782 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.