First Montana Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Montana Bank, Inc. of Missoula, MT against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.35% | -0.21% | 41st below |
| ROAE | 11.81% | 13.32% | -1.51% | 47th below |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 63.98% | 61.13% | +2.85% | 42nd below |
| PPNR / Avg Assets | 1.56% | 1.68% | -0.12% | 48th below |
| Yield on Earning Assets | 5.06% | 5.67% | -0.61% | 25th below |
| Cost of Funds | 1.07% | 1.88% | -0.81% | 89th top |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 69th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 778.01% | 1546.55% | -768.54% | 79th top |
| Texas Ratio | 0.79% | 7.34% | -6.55% | 75th top |
| Provision / NCO | 109.82% | 1395.87% | -1286.05% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.89% | 19.49% | -3.60% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.89% | 19.52% | -3.63% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.90% | 20.61% | -3.71% | 56th above |
| Leverage Ratio | 10.15% | 12.14% | -1.99% | 35th below |
| Equity / Assets | 9.88% | 11.37% | -1.49% | 43rd below |
| TCE / Tangible Assets | 9.70% | 11.08% | -1.38% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.49% | 80.67% | -7.18% | 65th above |
| Core Deposit Ratio | 97.14% | 86.84% | +10.30% | 93rd top |
| Wholesale Funding Ratio | 6.77% | 5.03% | +1.74% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.88% | 6.85% | -10.73% | 7th bottom |
| Loan Growth (Y/Y) | -3.11% | 7.92% | -11.03% | 12th bottom |
| Deposit Growth (Y/Y) | 0.57% | 6.29% | -5.72% | 27th below |
See First Montana Bank, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Montana Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Montana Bank, Inc. profile, how to read a UBPR, or how this data updates.