Bank of Montana: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 13.7% lower than in Q1 2026, at $4.5M. On CET1 ratio, Bank of Montana ranks 2nd highest among the 21 banks headquartered in Montana, at 35.70% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Bank of Montana reported 35.70% on CET1 ratio in Q2 2026, 20.63 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 35.70% |
| Tier 1 risk-based capital ratio | 35.70% |
| Total risk-based capital ratio | 36.22% |
| Tier 1 leverage ratio | 8.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $29.6M |
| Tier 1 capital | $29.6M |
| Total risk-based capital | $30.0M |
| Total equity capital | $29.6M |
| Risk-weighted assets | $82.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | -9.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $23.0M |
| Retained earnings | $4.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 28.40% | 28.40% | 29.15% | 10.72% | $94.5M |
| Q4 2023 | 29.04% | 29.04% | 29.64% | 9.66% | $92.9M |
| Q1 2024 | 31.12% | 31.12% | 31.76% | 9.11% | $91.5M |
| Q2 2024 | 31.00% | 31.00% | 31.62% | 9.56% | $91.6M |
| Q3 2024 | 30.52% | 30.52% | 31.08% | 8.91% | $91.0M |
| Q4 2024 | 28.60% | 28.60% | 29.12% | 9.07% | $96.0M |
| Q1 2025 | 31.30% | 31.30% | 31.86% | 9.47% | $88.1M |
| Q2 2025 | 35.89% | 35.89% | 36.48% | 9.95% | $85.7M |
| Q3 2025 | 35.67% | 35.67% | 36.23% | 9.03% | $80.9M |
| Q4 2025 | 37.50% | 37.50% | 38.05% | 9.57% | $81.3M |
| Q1 2026 | 36.72% | 36.72% | 37.26% | 9.22% | $82.4M |
| Q2 2026 | 35.70% | 35.70% | 36.22% | 8.89% | $82.8M |
Bank of Montana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Montana, freeSource: Call Report Schedule RC-R, 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 Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58482) · FFIEC NIC profile (RSSD 3470097)