Bank of Bridger, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Bank of Bridger, N.A. is an FDIC-insured commercial bank headquartered in Bridger, MT, established in 1906 (FDIC certificate 2224), and it is supervised by the OCC. At Q2 2026 it reported total assets of $802.7M, down 0.4% from Q2 2025, the 8th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 19.23% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2224
- Headquarters
- Bridger, MT
- Established
- 1906
- Total assets, Q2 2026
- $802.7M
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 19.23%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 092903542
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Bridger, N.A. call report
- Holding company
- BRIDGER COMPANY, THE
- Asset rank in state
- 8th of 35 in Montana
Bank of Bridger, N.A., based in Bridger, Montana, reported $803 million in assets at June 30, 2026. It keeps 3.21 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also lost 1.4% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%).
Earnings jumped: net income for the quarter was $1.9 million, 42% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 29% of Tier 1 capital, down from 36% a year earlier. One more trend to watch: loans and deposits moved in opposite directions: over the year loans rose 5.0% and deposits fell 1.4%.
As of June 30, 2026, Bank of Bridger, N.A. reported a CET1 capital ratio of 19.23%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 1.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Bridger, N.A. is the 8th largest of the 35 banks headquartered in Montana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $802.7M, loans rose 4.9% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.8% of total loans, followed by farmland and other real estate loans at 24.6%. Its 12 offices in the FDIC Summary of Deposits are in 12 cities across 2 states; its Lovell office books 29% of its branch deposits. On its Q2 2026 call report, Bank of Bridger, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Main St, Bridger, MT 59014
- County
- Carbon
- Metro Area
- Billings, MT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1906
- Former names
- Bank of Lovell, National Association (1995-2004); Norwest Bank Wyoming Lovell, National Association (1991-1995); Wyoming National Bank Lovell (1988-1991)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $729.8M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $821.5M
- Average total loans
- $378.1M
- Average interest-bearing deposits
- $561.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2224
- Fed RSSD
- 17950
- Website
- www.bankofbridger.com →
- Parent Holding Company
- BRIDGER COMPANY, THE (RSSD 1122310)
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
From Q3 2023 to Q2 2026, Bank of Bridger, N.A.'s total assets ranged from $733.9M (Q4 2023) to $805.7M (Q2 2025), 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
$802.7M total assets against $805.7M; $734.2M total liabilities against $744.3M.
$383.6M net loans and leases against $364.7M; $729.8M total deposits against $740.3M.
$379.5M securities against $392.8M; $12.0M cash and balances due against $18.8M.
$9.4M total interest income against $8.8M; $3.2M total interest expense against $3.3M.
$6.2M net interest income against $5.5M.
$288K total noninterest income against $307K; $4.1M total noninterest expense against $4.0M.
$90K provision for credit losses against $100K.
$1.9M net income against $1.3M.
0.92% return on assets against 0.65%; 3.21% net interest margin against 2.88%.
19.23% CET1 capital ratio against 19.30%; 10.08% tier 1 leverage ratio against 9.69%.
Inside the full Bank of Bridger, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 382 of 2,134, for CET1 ratio; its furthest is 2,671 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 0.92% (Q2 2026) and its net interest margin ran from 2.61% (Q3 2024) to 3.21% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.23% | 0.92% | 0.47% | 1.69% | 3.21% |
| Q1 2026 | 19.63% | 0.88% | 0.92% | 2.62% | 3.07% |
| Q4 2025 | 19.70% | 0.74% | 0.82% | 1.86% | 3.03% |
| Q3 2025 | 19.35% | 0.78% | 0.86% | 2.23% | 3.00% |
| Q2 2025 | 19.30% | 0.65% | 1.13% | 3.90% | 2.88% |
| Q1 2025 | 19.46% | 0.63% | 1.12% | 3.85% | 2.70% |
| Q4 2024 | 19.26% | 0.57% | 0.98% | 3.99% | 2.65% |
| Q3 2024 | 19.14% | 0.64% | 0.66% | 1.73% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Lovell Branch | Lovell , WY | 82431 | $210.3M |
| Red Lodge Branch | Red Lodge , MT | 59068 | $81.3M |
| Plentywood Branch | Plentywood , MT | 59254 | $80.2M |
| Bank of Bridger, N.A. (main office) | Bridger , MT | 59014 | $62.9M |
| Powell Branch | Powell , WY | 82435 | $55.1M |
| Malta Branch | Malta , MT | 59538 | $49.0M |
| Harlem Branch | Harlem , MT | 59526 | $47.1M |
| Greybull Branch | Greybull , WY | 82426 | $40.1M |
| Glasgow Branch | Glasgow , MT | 59230 | $39.3M |
| Joliet Branch | Joliet , MT | 59041 | $22.3M |
| Butte Branch | Butte , MT | 59701 | $21.4M |
| Thermopolis Branch | Thermopolis , WY | 82443 | $20.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 5, 2019 | Structure Change | Acquired First Security Bank of Malta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 21, 2017 | Structure Change | Acquired Montana State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 20, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2004 | Structure Change | Acquired Bank of Bridger Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in MT, rank 13 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 50 applications, 45 loans originated, $14.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $5.3M approved, $2.6M 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 Bank of Bridger, N.A.
What are Bank of Bridger, N.A.'s total assets?
As of the Q2 2026 filing, Bank of Bridger, N.A. reported total assets of $802.7 million in its FFIEC call report.
Where is Bank of Bridger, N.A. headquartered?
It is headquartered in Bridger, MT, United States.
When was Bank of Bridger, N.A. founded?
It was established in 1906, per the FDIC institution directory.
Is Bank of Bridger, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2224). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Bridger, N.A.?
Bank of Bridger, N.A.'s primary federal regulator is the OCC.
What is Bank of Bridger, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Bridger, N.A. operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Bridger, N.A.'s Texas Ratio?
Its Texas Ratio is 1.69% 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 Bank of Bridger, N.A. previously called?
The charter now named Bank of Bridger, N.A. has also operated as Bank of Lovell, National Association (1995-2004), Norwest Bank Wyoming Lovell, National Association (1991-1995), Wyoming National Bank Lovell (1988-1991), per FDIC structure-change records.
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