Bank Comparison
First National Bank of Decatur County vs Bank of Montana
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Decatur County | Bank of Montana |
|---|---|---|
| CET1 Ratio | 9.91% | 36.72% |
| Tier 1 Capital Ratio | 9.91% | 36.72% |
| Total Capital Ratio | 10.86% | 37.26% |
| Tier 1 Leverage Ratio | 7.49% | 9.22% |
| Equity / Assets | 6.45% | 8.67% |
Profitability
| Metric | First National Bank of Decatur County | Bank of Montana |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 2.70% |
| Return on Equity (ROE) | 5.16% | 29.21% |
| Net Interest Margin (NIM) | 3.60% | 3.06% |
| Yield on Earning Assets | 6.01% | 4.30% |
| Cost of Funds | 2.37% | 1.37% |
Asset quality
| Metric | First National Bank of Decatur County | Bank of Montana |
|---|---|---|
| Texas Ratio | 7.06% | 0.00% |
| Non-Performing Loan Ratio | 0.42% | 0.00% |
| Non-Performing Asset Ratio | 0.49% | 0.00% |
| Net Charge-Off Ratio | 0.08% | 0.00% |
| ACL / Loans | 0.93% | 0.54% |
Balance sheet
| Metric | First National Bank of Decatur County | Bank of Montana |
|---|---|---|
| Total Assets | $349,174K | $349,305K |
| Total Deposits | $323,168K | $318,948K |
| Total Loans | $258,075K | $77,717K |
| Total Equity | $22,527K | $30,272K |
| Net Income (quarter) | $290 | $2,219K |
Liquidity & funding
| Metric | First National Bank of Decatur County | Bank of Montana |
|---|---|---|
| Loan-to-Deposit Ratio | 79.86% | 24.37% |
| Core Deposit Ratio | 90.56% | 97.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Decatur County | Bank of Montana |
|---|---|---|
| Headquarters City | BAINBRIDGE | MISSOULA |
| Headquarters State | GA | MT |
| Asset Tier | Small | Small |
| Charter Class | 24458 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 57 | 10 |
| Established | April 5, 2004, midnight | Nov. 26, 2007, 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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