BanksTHREE RIVERS BANK OF MONTANA

THREE RIVERS BANK OF MONTANA

KALISPELL, MTSmallEst. May 1, 1974, midnightFDIC #21557RSSD #610557FDIC
Latest · 2025-12-31

THREE RIVERS BANK OF MONTANA is an 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%. CET1 capital ratio: 10.37%, well above regulatory minimums. NPL ratio: 0.64% · Texas Ratio: 4.62%. Operates 3 domestic branches.

Assets
$311M
Deposits
$277M
Loans
$258M
Equity
$33M

Profitability

Return on Assets (ROA)1.30%
Return on Equity (ROE)12.47%
Net Interest Margin5.17%
Yield on Assets6.89%
Cost of Funds1.78%

Asset Quality

NPL Ratio0.64%
Net Charge-Off Ratio0.17%
Texas Ratio4.62%
NPA Ratio0.53%
ACL / Loans0.98%

Capital & Liquidity

CET1 Ratio10.37%
Tier 1 Capital10.37%
Total Capital Ratio10.89%
Leverage Ratio10.93%
Loan-to-Deposit93.16%

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