Bank of Montana: 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.
Loan-to-deposit ratio climbed 3.03 percentage points in Q2 2026, from 24.37% to 27.40%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Montana is 3rd from the bottom among 35 Montana banks, 27.40% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Bank of Montana reported 27.40% on loan-to-deposit ratio in Q2 2026, 53.44 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.4M |
| Net loans and leases | $76.0M |
| Loans held for sale | $0 |
| Loans to total assets | 24.76% |
| Loan-to-deposit ratio | 27.40% |
| Net loans to equity capital | 2.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.90% |
| Multifamily (5+ residential) | 2.82% |
| Commercial and industrial | 64.72% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.99% |
| Construction concentration (Tier 1 capital + allowance) | 11.20% |
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 | 7.04% |
| Interest income on loans | $1.4M |
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 | $94.8M | $214.4M | 18.63% | 57.50% | 2.13% |
| Q4 2023 | $92.2M | $276.3M | 20.23% | 61.57% | 2.58% |
| Q1 2024 | $89.8M | $278.4M | 18.61% | 64.40% | 2.71% |
| Q2 2024 | $89.5M | $268.4M | 18.25% | 63.61% | 2.45% |
| Q3 2024 | $88.2M | $285.3M | 17.95% | 64.34% | 2.54% |
| Q4 2024 | $91.3M | $225.7M | 17.10% | 65.52% | 2.88% |
| Q1 2025 | $82.9M | $298.9M | 17.58% | 63.81% | 2.25% |
| Q2 2025 | $79.9M | $271.7M | 16.39% | 64.70% | 2.22% |
| Q3 2025 | $77.4M | $301.1M | 18.58% | 62.90% | 0.22% |
| Q4 2025 | $77.3M | $254.5M | 17.19% | 65.62% | 0.21% |
| Q1 2026 | $77.7M | $318.9M | 17.55% | 63.56% | 0.21% |
| Q2 2026 | $76.4M | $278.9M | 17.90% | 64.72% | 0.21% |
Bank of Montana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Montana, 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 Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58482) · FFIEC NIC profile (RSSD 3470097)