Bank Comparison
Bank of Montana vs Rockpointbank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank of Montana | Rockpointbank, N.A. |
|---|---|---|
| CET1 Ratio | 36.72% | 14.89% |
| Tier 1 Capital Ratio | 36.72% | 14.89% |
| Total Capital Ratio | 37.26% | 15.89% |
| Tier 1 Leverage Ratio | 9.22% | 12.62% |
| Equity / Assets | 8.67% | 12.65% |
Profitability
| Metric | Bank of Montana | Rockpointbank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.70% | 0.47% |
| Return on Equity (ROE) | 29.21% | 3.67% |
| Net Interest Margin (NIM) | 3.06% | 3.18% |
| Yield on Earning Assets | 4.30% | 5.65% |
| Cost of Funds | 1.37% | 2.69% |
Asset quality
| Metric | Bank of Montana | Rockpointbank, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 0.77% |
| Non-Performing Loan Ratio | 0.00% | 0.13% |
| Non-Performing Asset Ratio | 0.00% | 0.10% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.54% | 0.90% |
Balance sheet
| Metric | Bank of Montana | Rockpointbank, N.A. |
|---|---|---|
| Total Assets | $349,305K | $349,312K |
| Total Deposits | $318,948K | $303,068K |
| Total Loans | $77,717K | $288,064K |
| Total Equity | $30,272K | $44,176K |
| Net Income (quarter) | $2,219K | $404 |
Liquidity & funding
| Metric | Bank of Montana | Rockpointbank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 24.37% | 95.05% |
| Core Deposit Ratio | 97.35% | 91.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Montana | Rockpointbank, N.A. |
|---|---|---|
| Headquarters City | MISSOULA | CHATTANOOGA |
| Headquarters State | MT | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 25216 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 10 | 36 |
| Established | Nov. 26, 2007, midnight | March 15, 2021, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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