Bank of Montana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Montana of Missoula, MT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.51% | 1.34% | +2.17% | 98th top |
| ROAE | 38.94% | 13.31% | +25.63% | 99th top |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 23.52% | 61.15% | -37.63% | 99th top |
| PPNR / Avg Assets | 3.49% | 1.68% | +1.81% | 98th top |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 15th bottom |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 1.76% | 3.32% | -1.56% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 35.70% | 19.49% | +16.21% | 95th top |
| Tier 1 Ratio | 35.70% | 19.53% | +16.17% | 95th top |
| Total Capital Ratio | 36.22% | 20.61% | +15.61% | 95th top |
| Leverage Ratio | 8.89% | 12.14% | -3.25% | 11th bottom |
| Equity / Assets | 9.58% | 11.37% | -1.79% | 37th below |
| TCE / Tangible Assets | 9.58% | 11.09% | -1.51% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 27.40% | 80.65% | -53.25% | 98th top |
| Core Deposit Ratio | 96.37% | 86.86% | +9.51% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.72% | 6.85% | -5.13% | 31st below |
| Loan Growth (Y/Y) | -4.37% | 7.91% | -12.28% | 8th bottom |
| Deposit Growth (Y/Y) | 2.65% | 6.29% | -3.64% | 40th below |
See Bank of Montana's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Montana, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Montana profile, how to read a UBPR, or how this data updates.