FIRST MONTANA BANK, INC.

MISSOULA, MT | Medium | Est. Jan. 1, 1913, midnight | FDIC #363 | RSSD #613156 | FED
Latest Report: 2025-12-31

FIRST MONTANA BANK, INC. is amn medium FDIC-insured commercial bank headquartered in MISSOULA, MT, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $564M and total deposits of $446M. Profitability stands at 0.89% ROA and 9.92% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 15.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.04%. FDIC Certificate #363.

Assets

$564M

Deposits

$446M

Loans

$323M

Equity

$51M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 9.92%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.18%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.04%
NPA Ratio 0.10%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 15.41%
Tier 1 Capital 15.41%
Total Capital Ratio 16.41%
Leverage Ratio 9.32%
Loan-to-Deposit 72.41%

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