BANK OF THE ROCKIES

HELENA, MT | Small | Est. Aug. 1, 1883, midnight | FDIC #2205 | RSSD #475756 | FDIC
Latest Report: 2025-12-31

BANK OF THE ROCKIES is asn small FDIC-insured commercial bank headquartered in HELENA, MT, established in Aug. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $270M and total deposits of $237M. Profitability stands at 1.81% ROA and 19.63% ROE, with a net interest margin of 5.48%. The bank's CET1 capital ratio is 11.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 1.39%. FDIC Certificate #2205.

Assets

$270M

Deposits

$237M

Loans

$191M

Equity

$25M

Profitability

Return on Assets (ROA) 1.81%
Return on Equity (ROE) 19.63%
Net Interest Margin (NIM) 5.48%
Yield on Assets 7.11%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.08%
Texas Ratio 1.39%
NPA Ratio 0.14%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 11.78%
Tier 1 Capital 11.78%
Total Capital Ratio 13.03%
Leverage Ratio 8.73%
Loan-to-Deposit 80.77%

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