Bank Comparison
Three Rivers Bank of Montana vs Bank of Montana
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Three Rivers Bank of Montana | Bank of Montana |
|---|---|---|
| CET1 Ratio | — | 36.72% |
| Tier 1 Capital Ratio | — | 36.72% |
| Total Capital Ratio | — | 37.26% |
| Tier 1 Leverage Ratio | 11.04% | 9.22% |
| Equity / Assets | 10.60% | 8.67% |
Profitability
| Metric | Three Rivers Bank of Montana | Bank of Montana |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 2.70% |
| Return on Equity (ROE) | 12.24% | 29.21% |
| Net Interest Margin (NIM) | 5.14% | 3.06% |
| Yield on Earning Assets | 6.72% | 4.30% |
| Cost of Funds | 1.64% | 1.37% |
Asset quality
| Metric | Three Rivers Bank of Montana | Bank of Montana |
|---|---|---|
| Texas Ratio | 4.22% | 0.00% |
| Non-Performing Loan Ratio | 0.59% | 0.00% |
| Non-Performing Asset Ratio | 0.48% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.03% | 0.54% |
Balance sheet
| Metric | Three Rivers Bank of Montana | Bank of Montana |
|---|---|---|
| Total Assets | $306,105K | $349,305K |
| Total Deposits | $272,084K | $318,948K |
| Total Loans | $251,213K | $77,717K |
| Total Equity | $32,436K | $30,272K |
| Net Income (quarter) | $1,001K | $2,219K |
Liquidity & funding
| Metric | Three Rivers Bank of Montana | Bank of Montana |
|---|---|---|
| Loan-to-Deposit Ratio | 92.33% | 24.37% |
| Core Deposit Ratio | 94.10% | 97.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Three Rivers Bank of Montana | Bank of Montana |
|---|---|---|
| Headquarters City | KALISPELL | MISSOULA |
| Headquarters State | MT | MT |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 53 | 10 |
| Established | May 1, 1974, 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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