Bank of the Rockies
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Rockies is an FDIC-insured commercial bank headquartered in Helena, MT, established in 1883 (FDIC certificate 2205), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $277.4M, up 6.3% from Q2 2025, the 16th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 11.42% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2205
- Headquarters
- Helena, MT
- Established
- 1883
- Total assets, Q2 2026
- $277.4M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 11.42%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 092901382
- Latest call report
- Q2 2026, FFIEC 051 · Bank of the Rockies Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- COUNTRICORP
- Asset rank in state
- 16th of 35 in Montana
Bank of the Rockies is one of the more profitable banks of its size. The Helena, Montana bank had $277 million in assets at June 30, 2026, up 6.3% from a year earlier. It returns 21.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 5.06 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.4 million, 71% above the same quarter a year earlier. Its $38 million commercial and industrial book is improving, with 1.42% past due or on nonaccrual, down from 3.76% a year earlier. Where it has less room is capital: it holds common equity equal to 11.42% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Bank of the Rockies reported a CET1 capital ratio of 11.42%, a return on assets of 2.04%, a nonperforming-loan ratio of 1.06% and a Texas ratio of 6.14%. The figures come from its call report filed with the FFIEC.
Of the 35 banks headquartered in Montana, Bank of the Rockies is the 16th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.3% to $277.4M, loans rose 7.3% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 22.1% of total loans, ahead of owner-occupied commercial real estate loans at 18.8%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in MT; its Livingston office books 20% of its branch deposits. Judged on its Q2 2026 call report, Bank of the Rockies meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2000 Prospect Ave, Helena, MT 59601
- County
- Lewis And Clark
- Metro Area
- Helena, 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
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1883
- Former names
- Bank of The Rockies, National Association (2001-2019); The First National Bank of The Rockies (1998-2001)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $229.5M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $166K
- Average total assets
- $269.4M
- Average total loans
- $200.5M
- Average interest-bearing deposits
- $215.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2205
- Fed RSSD
- 475756
- Website
- WWW.BOTR.BANK →
- Parent Holding Company
- COUNTRICORP (RSSD 1134470)
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 the Rockies's total assets ranged from $240.6M (Q4 2023) to $277.4M (Q2 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
$277.4M total assets against $261.1M; $251.3M total liabilities against $236.7M.
$210.9M net loans and leases against $193.1M; $229.5M total deposits against $221.5M.
$52.4M securities against $50.7M; $3.8M cash and balances due against $6.7M.
$4.2M total interest income against $3.9M; $923K total interest expense against $1.0M.
$3.2M net interest income against $2.9M.
$664K total noninterest income against $476K; $2.4M total noninterest expense against $2.4M.
$100K provision for credit losses against $235K.
$1.4M net income against $801K.
2.04% return on assets against 1.24%; 5.06% net interest margin against 4.70%.
11.42% CET1 capital ratio against 11.59%; 9.37% tier 1 leverage ratio against 9.08%.
Inside the full Bank of the Rockies terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of the Rockies rankings
Its closest position to the top of a national ranking is 446 of 3,611, for ROA; its furthest is 1,863 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.24% (Q2 2025) to 2.04% (Q2 2026) and its net interest margin ran from 4.55% (Q3 2025) to 5.19% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.42% | 2.04% | 1.06% | 6.14% | 5.06% |
| Q1 2026 | 11.89% | 2.02% | 1.98% | 9.57% | 4.90% |
| Q4 2025 | 11.78% | 1.77% | 0.05% | 1.33% | 5.19% |
| Q3 2025 | 11.47% | 1.79% | 0.77% | 4.83% | 4.55% |
| Q2 2025 | 11.59% | 1.24% | 0.70% | 4.43% | 4.70% |
| Q1 2025 | 11.47% | 1.86% | 0.14% | 1.75% | 4.75% |
| Q4 2024 | 11.45% | 1.54% | 0.25% | 1.17% | 4.84% |
| Q3 2024 | 11.80% | 1.46% | 0.19% | 1.41% | 4.75% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → 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 |
|---|---|---|---|
| Livingston Branch | Livingston , MT | 59047 | $46.0M |
| Clyde Park Branch | Clyde Park , MT | 59018 | $45.2M |
| White Sulphur Springs Branch | White Sulphur Springs , MT | 59645 | $44.9M |
| Paradise Valley Branch | Emigrant , MT | 59027 | $33.3M |
| Lewistown Branch | Lewistown , MT | 59457 | $31.6M |
| Bank of the Rockies (main office) | Helena , MT | 59601 | $21.1M |
| Bank of the Rockies Bozeman | Bozeman , MT | 59715 | $7.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC); 4 against individuals associated with it
- August 30, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Bank of The Rockies, National Association
- May 21, 2009, OCC: Formal Agreement: Bank of The Rockies, National Association
- June 9, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of White Sulphur Springs, The
- March 25, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank of White Sulphur Springs, The
- Period: Most recent institution action August 30, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in MT, rank 21 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $620K approved, $207K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 the Rockies
What are Bank of the Rockies's total assets?
As of the Q2 2026 filing, Bank of the Rockies reported total assets of $277.4 million in its FFIEC call report.
Where is Bank of the Rockies headquartered?
It is headquartered in Helena, MT, United States.
When was Bank of the Rockies founded?
It was established in 1883, per the FDIC institution directory.
Is Bank of the Rockies FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Rockies?
Bank of the Rockies's primary federal regulator is the FDIC.
What is Bank of the Rockies's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.42% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of the Rockies operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Rockies's Texas Ratio?
Its Texas Ratio is 6.14% 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.
What was Bank of the Rockies previously called?
The charter now named Bank of the Rockies has also operated as Bank of The Rockies, National Association (2001-2019), The First National Bank of The Rockies (1998-2001), per FDIC structure-change records.
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