Garfield County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 56.89 percentage points in Q2 2026, from 155.10% to 98.20%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Garfield County Bank is 24th of 35 on return on assets, 1.27% as of Q2 2026, below the middle of the field. At 1.27%, Garfield County Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.82% |
| Equity capital to assets | 14.95% |
| Tangible equity to tangible assets | 14.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.39% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.50% |
| Texas ratio | 24.09% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 98.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 8.21% |
| Net interest margin | 4.15% |
| Efficiency ratio | 57.94% |
| Yield on earning assets | 5.73% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.10% |
| Core deposits to total deposits | 91.74% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.88% |
| Securities to assets | 12.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.88% | 1.33% | 4.03% | 3.27% | 0.27% |
| Q4 2023 | 16.33% | 1.08% | 4.08% | 3.68% | 0.00% |
| Q1 2024 | 15.87% | 1.69% | 4.11% | 3.51% | -0.09% |
| Q2 2024 | 16.86% | 0.80% | 4.05% | 3.17% | -0.02% |
| Q3 2024 | 17.17% | 2.64% | 6.10% | 2.54% | 0.03% |
| Q4 2024 | 16.75% | 0.77% | 4.33% | 1.40% | -0.01% |
| Q1 2025 | 16.58% | 1.37% | 3.97% | 1.30% | -0.02% |
| Q2 2025 | 16.77% | 0.93% | 4.27% | 1.24% | -0.01% |
| Q3 2025 | 17.05% | 1.40% | 4.58% | 1.04% | 2.40% |
| Q4 2025 | 15.86% | 1.48% | 4.15% | 1.03% | 0.32% |
| Q1 2026 | 15.86% | 1.37% | 4.05% | 0.98% | 0.00% |
| Q2 2026 | 15.82% | 1.27% | 4.15% | 1.39% | 0.50% |
Garfield County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Garfield County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Garfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18164) · FFIEC NIC profile (RSSD 608358)