Bank of Bozeman
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Data as of · sourced from FFIEC call reports. How we update
Bank of Bozeman is an FDIC-insured commercial bank headquartered in Bozeman, MT, established in 2005 (FDIC certificate 57952), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $108.4M, up 4.4% from Q2 2025, the 28th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 12.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57952
- Headquarters
- Bozeman, MT
- Established
- 2005
- Total assets, Q2 2026
- $108.4M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 12.55%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092905443
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Bozeman call report
- Holding company
- BOZEMAN BANCORP, INC.
- Asset rank in state
- 28th of 35 in Montana
Bank of Bozeman leans heavily on commercial real estate. It reported $108 million in assets at June 30, 2026, up 4.4% from a year earlier. It holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 11.7% over the year, about triple the median of 4.0% for banks its size.
Its $10.0 million non-owner-occupied commercial real estate book is improving, with 2.89% past due or on nonaccrual, down from 16.44% a year earlier. Deposits are coming in faster than loans: over the year loans rose 0.8% and deposits rose 11.7%. Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bank of Bozeman reported a CET1 capital ratio of 12.55%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.55%. The figures come from its call report filed with the FFIEC.
Of the 35 banks headquartered in Montana, Bank of Bozeman is the 28th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $108.4M, loans fell 0.5% and deposits fell 1.8%. 1-4 family residential loans made up 27.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.7%. Its one office in the FDIC Summary of Deposits is in Bozeman, MT. On its Q2 2026 call report, Bank of Bozeman meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 875 Harmon Stream Blvd, Bozeman, MT 59718
- County
- Gallatin
- Metro Area
- Bozeman, 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 041
- Established
- April 15, 2005
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $96.4M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $107.8M
- Average total loans
- $78.1M
- Average interest-bearing deposits
- $81.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 15, 2005
- FDIC Cert
- 57952
- Fed RSSD
- 3308529
- SEC CIK
- 1315682 → filed by BOZEMAN BANCORP, INC.
- Website
- www.bankofbozeman.com →
- Parent Holding Company
- BOZEMAN BANCORP, INC. (RSSD 3308510)
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
Over the 12 quarters to Q2 2026, Bank of Bozeman's total assets ran between $98.7M (Q4 2025) and $110.7M (Q1 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
$108.4M total assets against $103.8M; $97.4M total liabilities against $94.1M.
$78.1M net loans and leases against $77.5M; $96.4M total deposits against $86.3M.
$14.0M securities against $18.5M; $11.2M cash and balances due against $2.6M.
$1.6M total interest income against $1.5M; $498K total interest expense against $509K.
$1.1M net interest income against $995K.
$86K total noninterest income against $112K; $906K total noninterest expense against $858K.
No provision recorded in the last 12 quarters.
$219K net income against $209K.
0.81% return on assets against 0.83%; 4.23% net interest margin against 4.09%.
12.55% CET1 capital ratio against 12.21%; 10.20% tier 1 leverage ratio against 10.28%.
Inside the full Bank of Bozeman terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Bozeman rankings
Its closest position to the top of a national ranking is 2,016 of 3,640, for Texas Ratio; its furthest is 3,129 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.35% (Q3 2024) to 0.86% (Q1 2026) and its net interest margin ran from 3.41% (Q3 2024) to 4.32% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.55% | 0.81% | 0.39% | 2.55% | 4.23% |
| Q1 2026 | 12.12% | 0.86% | 0.73% | 4.87% | 4.29% |
| Q4 2025 | 12.61% | 0.77% | 0.00% | 0.00% | 4.30% |
| Q3 2025 | 12.74% | 0.85% | 0.00% | 0.00% | 4.32% |
| Q2 2025 | 12.21% | 0.83% | 0.45% | 3.25% | 4.09% |
| Q1 2025 | 14.27% | 0.49% | 0.35% | 2.45% | 3.68% |
| Q4 2024 | 12.60% | 0.67% | 0.18% | 1.27% | 3.96% |
| Q3 2024 | 12.02% | 0.35% | 0.17% | 1.23% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Bank of Bozeman (main office) | Bozeman , MT | 59718 | $96.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MT, rank 34 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bank of Bozeman
What are Bank of Bozeman's total assets?
As of the Q2 2026 filing, Bank of Bozeman reported total assets of $108.4 million in its FFIEC call report.
Where is Bank of Bozeman headquartered?
It is headquartered in Bozeman, MT, United States.
When was Bank of Bozeman founded?
It was established in 2005, per the FDIC institution directory.
Is Bank of Bozeman FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Bozeman?
Bank of Bozeman's primary federal regulator is the FDIC.
What is Bank of Bozeman's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Bozeman operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Bozeman's Texas Ratio?
Its Texas Ratio is 2.55% 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.
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