Bank of Bridger, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 2.95 percentage points in Q2 2026, from 36.91% to 39.86%. It was the largest change from Q1 2026 among the key lines here. Bank of Bridger, N.A. ranks 29th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 53.34% (Q2 2026). Bank of Bridger, N.A. reported 53.34% on loan-to-deposit ratio for Q2 2026, 27.61 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $389.2M |
| Net loans and leases | $383.6M |
| Loans held for sale | $0 |
| Loans to total assets | 48.49% |
| Loan-to-deposit ratio | 53.34% |
| Net loans to equity capital | 5.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.24% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 7.99% |
| Consumer | 4.18% |
| Credit cards | 0.00% |
| Farm | 24.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.86% |
| Construction concentration (Tier 1 capital + allowance) | 17.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.95% |
| Interest income on loans | $6.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $345.9M | $682.3M | 17.09% | 9.74% | 4.25% |
| Q4 2023 | $339.2M | $672.0M | 18.46% | 9.36% | 4.31% |
| Q1 2024 | $342.3M | $690.3M | 20.33% | 9.33% | 4.16% |
| Q2 2024 | $358.8M | $685.8M | 18.99% | 9.63% | 3.97% |
| Q3 2024 | $358.5M | $682.4M | 18.83% | 9.12% | 4.14% |
| Q4 2024 | $351.5M | $719.1M | 19.68% | 8.75% | 4.00% |
| Q1 2025 | $351.2M | $709.9M | 19.21% | 8.53% | 3.99% |
| Q2 2025 | $370.7M | $740.3M | 19.18% | 7.61% | 3.94% |
| Q3 2025 | $375.7M | $730.2M | 18.39% | 7.21% | 4.12% |
| Q4 2025 | $372.5M | $703.5M | 19.24% | 6.66% | 4.47% |
| Q1 2026 | $371.1M | $720.4M | 19.79% | 7.75% | 4.53% |
| Q2 2026 | $389.2M | $729.8M | 18.24% | 7.99% | 4.18% |
Bank of Bridger, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bridger, N.A., freeSource: Call Report Schedule RC-C, 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 Bridger, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2224) · FFIEC NIC profile (RSSD 17950)