Garfield County Bank
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Data as of · sourced from FFIEC call reports. How we update
Garfield County Bank is an FDIC-insured commercial bank headquartered in Jordan, MT, established in 1960 (FDIC certificate 18164), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $108.0M, up 14.7% from Q2 2025, the 29th largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.82% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18164
- Headquarters
- Jordan, MT
- Established
- 1960
- Total assets, Q2 2026
- $108.0M
- Assets vs Q2 2025
- +14.7%
- Tier 1 leverage ratio, Q2 2026
- 15.82%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 092105337
- Latest call report
- Q2 2026, FFIEC 051 · Garfield County Bank call report
- Holding company
- GARFIELD COUNTY BANCSHARES, INC.
- Asset rank in state
- 29th of 35 in Montana
Problem loans are rising at Garfield County Bank. It reported $108 million in assets at June 30, 2026, up 14.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 8.42% of loans from 7.76% a year earlier. It carries problem assets equal to 24.1% of the capital and reserves that would absorb them, 9.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.5% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $328,000, 54% above the same quarter a year earlier. Over the same year, loans shrank 4.5% and deposits grew 16.3%. One more trend to watch: the non-owner-occupied commercial real estate book ($5.3 million) is worsening: 16.08% of it is past due or on nonaccrual, up from 9.88% a year earlier.
As of June 30, 2026, Garfield County Bank reported a return on assets of 1.27%, a nonperforming-loan ratio of 8.42% and a Texas ratio of 24.09%. The figures come from its call report filed with the FFIEC.
Garfield County Bank ranks as the 29th largest of the 35 banks based in Montana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 8.8% to $108.0M, loans rose 1.8% and deposits rose 10.3%. Its loan book on June 30, 2026 was led by agricultural production loans, at 46.8% of total loans, followed by farmland and other real estate loans at 23.0%. The FDIC Summary of Deposits lists 2 offices for it, in Jordan, MT and Circle, MT; its Jordan office books 80% of its branch deposits. On its Q2 2026 call report, Garfield County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 444 Main St, Jordan, MT 59337
- County
- Garfield
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 14, 1960
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $90.6M
- Allowance for credit losses
- $656K
- Net charge-offs (YTD)
- $59K
- Average total assets
- $103.3M
- Average total loans
- $47.0M
- Average interest-bearing deposits
- $60.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1960
- FDIC Cert
- 18164
- Fed RSSD
- 608358
- Website
- www.garfieldcountybank.com →
- Parent Holding Company
- GARFIELD COUNTY BANCSHARES, INC. (RSSD 1842551)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Garfield County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Garfield County Bank's total assets ranged from $85.1M (Q2 2024) to $108.0M (Q2 2026), 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
$108.0M total assets against $94.1M; $91.8M total liabilities against $79.1M.
$47.5M net loans and leases against $49.4M; $90.6M total deposits against $77.9M.
$13.0M securities against $11.2M; $43.7M cash and balances due against $29.6M.
$1.4M total interest income against $1.3M; $385K total interest expense against $361K.
$1.0M net interest income against $919K.
$59K total noninterest income against $52K; $619K total noninterest expense against $687K.
$0 provision for credit losses against $0.
$328K net income against $213K.
1.27% return on assets against 0.93%; 4.15% net interest margin against 4.27%.
15.82% tier 1 leverage ratio against 16.77%.
Inside the full Garfield County Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Garfield County Bank rankings
Its closest position to the top of a national ranking is 110 of 3,640, for Texas Ratio; its furthest is 3,609 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q4 2024) to 2.64% (Q3 2024) and its net interest margin ran from 3.97% (Q1 2025) to 6.10% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.82% | 1.27% | 8.42% | 24.09% | 4.15% |
| Q1 2026 | 15.86% | 1.37% | 6.84% | 19.57% | 4.05% |
| Q4 2025 | 15.86% | 1.48% | 5.53% | 16.09% | 4.15% |
| Q3 2025 | 17.05% | 1.40% | 6.00% | 19.23% | 4.58% |
| Q2 2025 | 16.77% | 0.93% | 7.76% | 24.27% | 4.27% |
| Q1 2025 | 16.58% | 1.37% | 5.72% | 18.10% | 3.97% |
| Q4 2024 | 16.75% | 0.77% | 1.46% | 4.72% | 4.33% |
| Q3 2024 | 17.17% | 2.64% | 3.42% | 12.58% | 6.10% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Garfield County Bank (main office) | Jordan , MT | 59337 | $72.6M |
| Redwater Valley Bank | Circle , MT | 59215 | $18.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MT, rank 36 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Garfield County Bank
What are Garfield County Bank's total assets?
As of the Q2 2026 filing, Garfield County Bank reported total assets of $108.0 million in its FFIEC call report.
Where is Garfield County Bank headquartered?
It is headquartered in Jordan, MT, United States.
When was Garfield County Bank founded?
It was established in 1960, per the FDIC institution directory.
Is Garfield County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Garfield County Bank?
Garfield County Bank's primary federal regulator is the FDIC.
How many branches does Garfield County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Garfield County Bank's Texas Ratio?
Its Texas Ratio is 24.09% 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.
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