THREE RIVERS BANK OF MONTANA

KALISPELL, MT | Small | Est. May 1, 1974, midnight | FDIC #21557 | RSSD #610557 | FDIC
Latest Report: 2025-12-31

THREE RIVERS BANK OF MONTANA is asn small FDIC-insured commercial bank headquartered in KALISPELL, MT, established in May 1, 1974, midnight. As of 2025-12-31, the bank reported total assets of $311M and total deposits of $277M. Profitability stands at 1.30% ROA and 12.47% ROE, with a net interest margin of 5.17%. The bank's CET1 capital ratio is 10.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.64% and a Texas Ratio of 4.62%. FDIC Certificate #21557.

Assets

$311M

Deposits

$277M

Loans

$258M

Equity

$33M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 12.47%
Net Interest Margin (NIM) 5.17%
Yield on Assets 6.89%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.64%
Net Charge-Off Ratio 0.17%
Texas Ratio 4.62%
NPA Ratio 0.53%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 10.37%
Tier 1 Capital 10.37%
Total Capital Ratio 10.89%
Leverage Ratio 10.93%
Loan-to-Deposit 93.16%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required