Ascent Bank
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Data as of · sourced from FFIEC call reports. How we update
Ascent Bank is an FDIC-insured commercial bank headquartered in Helena, MT, established in 1970 (FDIC certificate 20162), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $104.1M, down 2.1% from Q2 2025, the 30th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 12.41% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20162
- Headquarters
- Helena, MT
- Established
- 1970
- Total assets, Q2 2026
- $104.1M
- Assets vs Q2 2025
- -2.1%
- CET1 ratio, Q2 2026
- 12.41%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 092001208
- Holding company
- ASCENT BANCORP
- Asset rank in state
- 30th of 35 in Montana
Problem loans are rising at Ascent Bank. The Helena, Montana bank had $104 million in assets at June 30, 2026, down 2.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.51% of loans from 0.75% a year earlier. It funds 8.69% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 21.5% of the capital and reserves that would absorb them, 8.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Ascent Bank reported a CET1 capital ratio of 12.41%, a return on assets of 1.31%, a nonperforming-loan ratio of 2.51% and a Texas ratio of 21.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Ascent Bank is the 30th largest of the 35 banks headquartered in Montana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans fell 0.7% and deposits fell 0.1%. 1-4 family residential loans made up 38.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.6%. The FDIC Summary of Deposits lists 2 offices for it, in Helena, MT. Judged on its Q2 2026 call report, Ascent Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1721 11th Ave, Helena, MT 59601
- County
- Lewis And Clark
- Metro Area
- Helena, MT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 13, 1970
- Former names
- First Security Bank of Helena (1974-2020)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $92.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $192K
- Average total assets
- $106.0M
- Average total loans
- $83.0M
- Average interest-bearing deposits
- $74.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 13, 1970
- FDIC Cert
- 20162
- Fed RSSD
- 647955
- SEC CIK
- 1664020 → filed by ASCENT BANCORP
- Website
- www.ascentbank.com →
- Parent Holding Company
- ASCENT BANCORP (RSSD 4968368)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Ascent Bank's total assets moved between a low of $89.1M (Q3 2023) and a high of $110.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$104.1M total assets against $106.3M; $94.6M total liabilities against $96.5M.
$81.4M net loans and leases against $80.9M; $92.4M total deposits against $93.9M.
$7.8M securities against $10.6M; $9.1M cash and balances due against $9.4M.
$1.6M total interest income against $1.6M; $415K total interest expense against $496K.
$1.2M net interest income against $1.1M.
$20K total noninterest income against $19K; $678K total noninterest expense against $642K.
$35K provision for credit losses against $0.
$348K net income against $378K.
1.31% return on assets against 1.42%; 4.62% net interest margin against 4.44%.
12.41% CET1 capital ratio against 12.93%; 8.69% tier 1 leverage ratio against 9.15%.
Inside the full Ascent Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAscent Bank rankings
Its closest position to the top of a national ranking is 143 of 3,640, for Texas Ratio; its furthest is 3,638 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q3 2024) to 1.42% (Q2 2025) and its net interest margin ran from 4.03% (Q3 2024) to 4.62% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 1.31% | 2.51% | 21.51% | 4.62% |
| Q1 2026 | 11.41% | 1.12% | 1.97% | 17.43% | 4.15% |
| Q4 2025 | 13.96% | 1.29% | 1.74% | 12.74% | 4.48% |
| Q3 2025 | 13.50% | 1.31% | 0.31% | 2.38% | 4.45% |
| Q2 2025 | 12.93% | 1.42% | 0.75% | 6.14% | 4.44% |
| Q1 2025 | 12.72% | 1.29% | 0.35% | 2.95% | 4.31% |
| Q4 2024 | 13.06% | 1.16% | 0.38% | 3.18% | 4.31% |
| Q3 2024 | 12.13% | 0.94% | 0.24% | 2.03% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ascent Bank (main office) | Helena , MT | 59601 | $80.4M |
| Last Chance Gulch | Helena , MT | 59601 | $12.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MT, rank 35 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15 applications, 13 loans originated, $4.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.9M approved, $630K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ascent Bank
What are Ascent Bank's total assets?
As of the Q2 2026 filing, Ascent Bank reported total assets of $104.1 million in its FFIEC call report.
Where is Ascent Bank headquartered?
It is headquartered in Helena, MT, United States.
When was Ascent Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Ascent Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ascent Bank?
Ascent Bank's primary federal regulator is the FDIC.
What is Ascent Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ascent Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ascent Bank's Texas Ratio?
Its Texas Ratio is 21.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Ascent Bank previously called?
The charter now named Ascent Bank has also operated as First Security Bank of Helena (1974-2020), per FDIC structure-change records.
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