First Montana Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
First Montana Bank, Inc. is an FDIC-insured commercial bank headquartered in Missoula, MT, established in 1913 (FDIC certificate 363), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $530.3M, down 3.9% from Q2 2025, the 11th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 15.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 363
- Headquarters
- Missoula, MT
- Established
- 1913
- Total assets, Q2 2026
- $530.3M
- Assets vs Q2 2025
- -3.9%
- CET1 ratio, Q2 2026
- 15.89%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 092102851
- Latest call report
- Q2 2026, FFIEC 051 · First Montana Bank, Inc. call report
- Holding company
- FIRST NATIONAL BANCORP, INC.
- Asset rank in state
- 11th of 35 in Montana
First Montana Bank, Inc., based in Missoula, Montana, reported $530 million in assets at June 30, 2026, down 3.9% from a year earlier. It pays an average of 1.07% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 3.1% over the year, lower than about three-quarters of banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $29 million equal 54% of Tier 1 capital, down from 60% a year earlier. The commercial and industrial book ($42 million) is worsening: 3.83% of it is past due or on nonaccrual, up from 0.40% a year earlier.
As of June 30, 2026, First Montana Bank, Inc. reported a CET1 capital ratio of 15.89%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Montana Bank, Inc. is the 11th largest of the 35 banks headquartered in Montana. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $530.3M, loans fell 0.6% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.0% of total loans, ahead of owner-occupied commercial real estate loans at 19.9%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in MT; its Butte office books 28% of its branch deposits. Judged on its Q2 2026 call report, First Montana Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Higgins Ave, Missoula, MT 59802
- County
- Missoula
- Metro Area
- Missoula, MT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Former names
- First National Bank of Montana, Inc. (1997-2009)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $437.9M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $112K
- Average total assets
- $536.1M
- Average total loans
- $322.5M
- Average interest-bearing deposits
- $481.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 363
- Fed RSSD
- 613156
- Website
- www.firstmontanabank.com →
- Parent Holding Company
- FIRST NATIONAL BANCORP, INC. (RSSD 1134845)
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, First Montana Bank, Inc.'s total assets ranged from $530.3M (Q2 2026) to $586.2M (Q3 2024), 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
$530.3M total assets against $551.7M; $477.9M total liabilities against $502.6M.
$318.4M net loans and leases against $328.7M; $437.9M total deposits against $435.4M.
$161.4M securities against $161.4M; $19.7M cash and balances due against $28.7M.
$6.4M total interest income against $6.5M; $1.7M total interest expense against $2.1M.
$4.6M net interest income against $4.4M.
$1.2M total noninterest income against $552K; $3.7M total noninterest expense against $3.4M.
$90K provision for credit losses against $4K.
$1.5M net income against $1.2M.
1.14% return on assets against 0.85%; 3.68% net interest margin against 3.38%.
15.89% CET1 capital ratio against 14.78%; 10.15% tier 1 leverage ratio against 9.29%.
Inside the full First Montana Bank, Inc. 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 equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Montana Bank, Inc. rankings
Its closest position to the top of a national ranking is 703 of 2,134, for CET1 ratio; its furthest is 2,829 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.84% (Q4 2024) and its net interest margin ran from 3.07% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.89% | 1.14% | 0.13% | 0.75% | 3.68% |
| Q1 2026 | 15.48% | 1.01% | 0.16% | 0.99% | 3.57% |
| Q4 2025 | 15.41% | 0.88% | 0.18% | 1.06% | 3.42% |
| Q3 2025 | 15.11% | 0.78% | 0.20% | 1.27% | 3.36% |
| Q2 2025 | 14.78% | 0.85% | 0.33% | 2.12% | 3.38% |
| Q1 2025 | 14.96% | 0.70% | 0.63% | 4.05% | 3.09% |
| Q4 2024 | 14.26% | 1.84% | 0.20% | 1.36% | 3.21% |
| Q3 2024 | 12.84% | 0.85% | 0.39% | 2.76% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| 1940 Dewey Boulevard Branch | Butte , MT | 59701 | $124.7M |
| Libby Branch | Libby , MT | 59923 | $77.3M |
| Anaconda Branch | Anaconda , MT | 59711 | $62.3M |
| Kalispell Branch | Kalispell , MT | 59901 | $57.7M |
| Missoula Brooks Street Branch | Missoula , MT | 59801 | $33.3M |
| Libby Detached Facility | Troy , MT | 59935 | $28.6M |
| First Montana Bank, Inc. (main office) | Missoula , MT | 59802 | $26.8M |
| Bozeman Branch | Bozeman , MT | 59718 | $19.2M |
| Anaconda Branch | Anaconda , MT | 59711 | $4.3M |
| Helena Branch | Helena , MT | 59601 | $3.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 22, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2003 | Structure Change | Acquired Montana First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired First National Bank of Montana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in MT, rank 12 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 39 loans originated, $11.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $956K approved, $956K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First Montana Bank, Inc.
What are First Montana Bank, Inc.'s total assets?
As of the Q2 2026 filing, First Montana Bank, Inc. reported total assets of $530.3 million in its FFIEC call report.
Where is First Montana Bank, Inc. headquartered?
It is headquartered in Missoula, MT, United States.
When was First Montana Bank, Inc. founded?
It was established in 1913, per the FDIC institution directory.
Is First Montana Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Montana Bank, Inc.?
First Montana Bank, Inc.'s primary federal regulator is the Federal Reserve.
What is First Montana Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Montana Bank, Inc. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Montana Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.75% 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 First Montana Bank, Inc. previously called?
The charter now named First Montana Bank, Inc. has also operated as First National Bank of Montana, Inc. (1997-2009), per FDIC structure-change records.
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