Bank of Bozeman: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 258.53 percentage points in Q2 2026, from 218.48% to 477.02%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Bank of Bozeman is 3rd from the bottom among 35 Montana banks, 0.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Bozeman sits 0.44 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.80% |
| Tier 1 leverage ratio | 10.20% |
| Equity capital to assets | 10.17% |
| Tangible equity to tangible assets | 10.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.58% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 477.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 8.05% |
| Net interest margin | 4.23% |
| Efficiency ratio | 76.84% |
| Yield on earning assets | 6.16% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.27% |
| Core deposits to total deposits | 85.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.91% |
| Securities to assets | 12.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.31% | 11.31% | 12.56% | 8.84% | 0.72% |
| Q4 2023 | 11.57% | 11.57% | 12.82% | 9.14% | 0.39% |
| Q1 2024 | 11.52% | 11.52% | 12.78% | 9.05% | 0.19% |
| Q2 2024 | 11.92% | 11.92% | 13.17% | 9.33% | 0.39% |
| Q3 2024 | 12.02% | 12.02% | 13.28% | 9.38% | 0.35% |
| Q4 2024 | 12.60% | 12.60% | 13.86% | 9.73% | 0.67% |
| Q1 2025 | 14.27% | 14.27% | 15.53% | 10.71% | 0.49% |
| Q2 2025 | 12.21% | 12.21% | 13.46% | 10.28% | 0.83% |
| Q3 2025 | 12.74% | 12.74% | 14.00% | 10.25% | 0.85% |
| Q4 2025 | 12.61% | 12.61% | 13.86% | 10.52% | 0.77% |
| Q1 2026 | 12.12% | 12.12% | 13.37% | 10.20% | 0.86% |
| Q2 2026 | 12.55% | 12.55% | 13.80% | 10.20% | 0.81% |
Bank of Bozeman vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bozeman, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Bozeman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57952) · FFIEC NIC profile (RSSD 3308529)