First Montana Bank, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money dropped 33.9% in Q2 2026, from $54.3M to $35.9M. It was the largest change from Q1 2026 among the key lines here. First Montana Bank, Inc. ranks 20th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 73.49% (Q2 2026). First Montana Bank, Inc. reported 73.49% on loan-to-deposit ratio for Q2 2026, 7.35 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $181.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $35.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.49% |
| Net loans and leases to deposits | 72.72% |
| Loans and leases to core deposits | 75.65% |
| Core deposits to total deposits | 97.14% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.36% | 97.87% | $4.9M | $76.4M |
| Q4 2023 | 80.89% | 97.12% | $5.0M | $100.1M |
| Q1 2024 | 82.59% | 96.81% | $4.5M | $107.3M |
| Q2 2024 | 82.19% | 96.11% | $4.7M | $83.2M |
| Q3 2024 | 80.05% | 96.57% | $4.4M | $100.8M |
| Q4 2024 | 78.76% | 97.11% | $2.1M | $82.5M |
| Q1 2025 | 74.98% | 96.51% | $0 | $71.5M |
| Q2 2025 | 76.27% | 96.48% | $0 | $61.4M |
| Q3 2025 | 73.43% | 96.57% | $0 | $61.4M |
| Q4 2025 | 72.41% | 97.65% | $0 | $61.4M |
| Q1 2026 | 75.99% | 97.46% | $0 | $54.3M |
| Q2 2026 | 73.49% | 97.14% | $0 | $35.9M |
First Montana Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Montana Bank, Inc., freeSource: Call Report Schedules RC and RC-M, 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 First Montana Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 363) · FFIEC NIC profile (RSSD 613156)