Bank of the Rockies: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 72.20 percentage points in Q2 2026, from 208.33% to 136.13%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Bank of the Rockies is 8th of 35 on return on assets, 2.04% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of the Rockies reported 2.04% on return on assets in Q2 2026, 0.79 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.42% |
| Tier 1 risk-based capital ratio | 11.42% |
| Total risk-based capital ratio | 12.60% |
| Tier 1 leverage ratio | 9.37% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 8.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 9.46% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 136.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 21.26% |
| Net interest margin | 5.06% |
| Efficiency ratio | 62.14% |
| Yield on earning assets | 6.49% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.90% |
| Core deposits to total deposits | 94.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.72% |
| Securities to assets | 18.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 12.54% | 13.65% | 9.82% | 1.39% |
| Q4 2023 | 12.04% | 12.04% | 13.21% | 9.07% | 1.14% |
| Q1 2024 | 11.27% | 11.27% | 12.34% | 8.97% | 1.51% |
| Q2 2024 | 11.45% | 11.45% | 12.50% | 9.14% | 1.24% |
| Q3 2024 | 11.80% | 11.80% | 12.91% | 9.30% | 1.46% |
| Q4 2024 | 11.45% | 11.45% | 12.59% | 8.96% | 1.54% |
| Q1 2025 | 11.47% | 11.47% | 12.63% | 8.92% | 1.86% |
| Q2 2025 | 11.59% | 11.59% | 12.84% | 9.08% | 1.24% |
| Q3 2025 | 11.47% | 11.47% | 12.71% | 8.97% | 1.79% |
| Q4 2025 | 11.78% | 11.78% | 13.03% | 8.73% | 1.77% |
| Q1 2026 | 11.89% | 11.89% | 13.14% | 9.33% | 2.02% |
| Q2 2026 | 11.42% | 11.42% | 12.60% | 9.37% | 2.04% |
Bank of the Rockies vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Rockies, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 the Rockies profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2205) · FFIEC NIC profile (RSSD 475756)