Bank of Montana
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Data as of · sourced from FFIEC call reports. How we update
Bank of Montana is an FDIC-insured commercial bank headquartered in Missoula, MT, established in 2007 (FDIC certificate 58482), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $308.6M, up 1.7% from Q2 2025, the 13th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 35.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58482
- Headquarters
- Missoula, MT
- Established
- 2007
- Total assets, Q2 2026
- $308.6M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 35.70%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092905524
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Montana call report
- Holding company
- BANCORP OF MONTANA HOLDING COMPANY
- Asset rank in state
- 13th of 35 in Montana
Bank of Montana is one of the more profitable banks of its size. It reported $309 million in assets at June 30, 2026, up 1.7% from a year earlier. It earns about $3.51 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 24 cents to bring in each dollar of revenue, about a third the median of 61 cents for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 4.4% and deposits rose 2.6%. Where it has less room is capital: it funds 8.89% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of Montana reported a CET1 capital ratio of 35.70%, a return on assets of 3.51%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Bank of Montana ranks as the 13th largest of the 35 banks based in Montana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 11.7% to $308.6M, loans fell 1.7% and deposits fell 12.6%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 64.7% of total loans, followed by owner-occupied commercial real estate loans at 14.5%. Its one office in the FDIC Summary of Deposits is in Missoula, MT. On its Q2 2026 call report, Bank of Montana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 125 Bank St, Missoula, MT 59802
- County
- Missoula
- Metro Area
- Missoula, 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 26, 2007
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $278.9M
- Allowance for credit losses
- $407K
- Net charge-offs (YTD)
- $0
- Average total assets
- $332.3M
- Average total loans
- $77.3M
- Average interest-bearing deposits
- $132.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 26, 2007
- FDIC Cert
- 58482
- Fed RSSD
- 3470097
- Website
- www.bankofmontana.com →
- Parent Holding Company
- BANCORP OF MONTANA HOLDING COMPANY (RSSD 3470088)
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 Montana's total assets ranged from $241.6M (Q3 2023) to $349.3M (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
$308.6M total assets against $303.4M; $279.0M total liabilities against $272.6M.
$76.0M net loans and leases against $79.4M; $278.9M total deposits against $271.7M.
$15K securities against $14K; $228.2M cash and balances due against $219.7M.
$3.9M total interest income against $4.2M; $998K total interest expense against $907K.
$2.9M net interest income against $3.2M.
$930K total noninterest income against $745K; $891K total noninterest expense against $809K.
-$13K provision for credit losses against $12K.
$2.9M net income against $3.2M.
3.51% return on assets against 4.11%; 3.52% net interest margin against 4.32%.
35.70% CET1 capital ratio against 35.89%; 8.89% tier 1 leverage ratio against 9.95%.
Inside the full Bank of Montana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Montana rankings
Its closest position to the top of a national ranking is 20 of 3,606, for efficiency ratio; its furthest is 3,467 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.04% (Q4 2025) to 14.57% (Q4 2024) and its net interest margin ran from 3.06% (Q1 2026) to 5.08% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 35.70% | 3.51% | 0.00% | 0.00% | 3.52% |
| Q1 2026 | 36.72% | 2.70% | 0.00% | 0.00% | 3.06% |
| Q4 2025 | 37.50% | 2.04% | 0.00% | 0.00% | 3.91% |
| Q3 2025 | 35.67% | 4.10% | 0.00% | 0.00% | 3.59% |
| Q2 2025 | 35.89% | 4.11% | 0.00% | 0.00% | 4.32% |
| Q1 2025 | 31.30% | 3.80% | 0.00% | 0.00% | 4.18% |
| Q4 2024 | 28.60% | 14.57% | 0.00% | 0.00% | 5.08% |
| Q3 2024 | 30.52% | 2.84% | 0.00% | 0.00% | 4.99% |
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 Montana (main office) | Missoula , MT | 59802 | $278.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in MT, rank 16 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $10.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Montana
What are Bank of Montana's total assets?
As of the Q2 2026 filing, Bank of Montana reported total assets of $308.6 million in its FFIEC call report.
Where is Bank of Montana headquartered?
It is headquartered in Missoula, MT, United States.
When was Bank of Montana founded?
It was established in 2007, per the FDIC institution directory.
Is Bank of Montana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Montana?
Bank of Montana's primary federal regulator is the FDIC.
What is Bank of Montana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 35.70% 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 Montana 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 Montana's Texas Ratio?
Its Texas Ratio is 0.00% 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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