Opportunity Bank of Montana
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Data as of · sourced from FFIEC call reports. How we update
Opportunity Bank of Montana is an FDIC-insured commercial bank headquartered in Helena, MT, established in 1922 (FDIC certificate 30182), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.12B, down 0.6% from Q2 2025, the 4th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 13.10% 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
- 30182
- Headquarters
- Helena, MT
- Established
- 1922
- Total assets, Q2 2026
- $2.12B
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 13.10%
- Domestic offices
- 30 FDIC institution directory, current count
- Routing number
- 292070806
- Latest call report
- Q2 2026, FFIEC 051 · Opportunity Bank of Montana call report
- Holding company
- EAGLE BANCORP MONTANA, INC.
- Asset rank in state
- 4th of 35 in Montana
Opportunity Bank of Montana spends more to run itself than most banks of its size. Based in Helena, Montana, it had $2.1 billion in assets at June 30, 2026. It spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also shrank its loan book 0.6% over the year, lower than about three-quarters of banks its size (median 5.9%).
Its $381 million non-owner-occupied commercial real estate book is improving, with 0.40% past due or on nonaccrual, down from 1.87% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 0.6% and deposits rose 3.1%. Profitability lags: it returns 7.0% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Opportunity Bank of Montana reported a CET1 capital ratio of 13.10%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Opportunity Bank of Montana is the 4th largest of the 35 banks headquartered in Montana. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $2.12B, loans rose 3.0% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 24.2% of total loans, followed by 1-4 family residential loans at 17.0%. The FDIC Summary of Deposits lists 30 offices for it, in 23 cities in MT; its Helena 4 offices book 20% of its branch deposits. By the capital ratios in its Q2 2026 call report, Opportunity Bank of Montana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1400 Prospect Ave, Helena, MT 59601
- County
- Lewis And Clark
- Metro Area
- Helena, 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, 1922
- Former names
- American Federal Savings Bank (1991-2014)
- Domestic offices
- 30 FDIC institution directory, current count
- Employees (FTE)
- 376
- Domestic deposits
- $1.81B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- $242K
- Average total assets
- $2.11B
- Average total loans
- $1.55B
- Average interest-bearing deposits
- $1.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30182
- Fed RSSD
- 685676
- SEC CIK
- 1478454 → filed by EAGLE BANCORP MONTANA, INC.
- Website
- www.opportunitybank.com →
- Parent Holding Company
- EAGLE BANCORP MONTANA, INC. (RSSD 4126609) · EBMT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Laura Clark | CEO | President/CEO |
| Miranda Spaulding | CFO | SVP - CFO |
| Patrick D Rensmon | COO | SVP-Chief Operating Officer |
| Dale Field | CCO | SVP-Chief Credit Officer |
| Chantelle Nash | CRO | SVP-Chief Risk & Admin Offcr |
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
Opportunity Bank of Montana's total assets moved between a low of $2.06B (Q3 2023) and a high of $2.14B (Q3 2024) from Q3 2023 to 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
$2.12B total assets against $2.13B; $1.87B total liabilities against $1.90B.
$1.56B net loans and leases against $1.57B; $1.81B total deposits against $1.75B.
$285.3M securities against $284.6M; $28.9M cash and balances due against $26.9M.
$26.8M total interest income against $27.3M; $6.9M total interest expense against $8.4M.
$20.0M net interest income against $18.9M.
$4.7M total noninterest income against $4.7M; $18.7M total noninterest expense against $17.6M.
$343K provision for credit losses against $1.0M.
$4.3M net income against $3.9M.
0.82% return on assets against 0.74%; 4.31% net interest margin against 4.05%.
13.10% CET1 capital ratio against 12.41%; 10.93% tier 1 leverage ratio against 10.34%.
Inside the full Opportunity Bank of Montana 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Opportunity Bank of Montana rankings
Its closest position to the top of a national ranking is 571 of 4,196, for total assets; its furthest is 818 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.01% (Q4 2025) and its net interest margin ran from 3.54% (Q3 2024) to 4.32% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.10% | 0.82% | 0.26% | 1.74% | 4.31% |
| Q1 2026 | 13.31% | 0.88% | 0.36% | 2.27% | 4.25% |
| Q4 2025 | 13.15% | 1.01% | 0.37% | 2.38% | 4.32% |
| Q3 2025 | 12.67% | 0.81% | 0.26% | 1.85% | 4.16% |
| Q2 2025 | 12.41% | 0.74% | 0.32% | 2.29% | 4.05% |
| Q1 2025 | 12.56% | 0.75% | 0.35% | 2.43% | 3.84% |
| Q4 2024 | 12.41% | 0.78% | 0.25% | 1.63% | 3.75% |
| Q3 2024 | 12.08% | 0.63% | 0.31% | 2.30% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 30 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 |
|---|---|---|---|
| Opportunity Bank of Montana (main office) | Helena , MT | 59601 | $250.4M |
| Glasgow Branch | Glasgow , MT | 59230 | $157.0M |
| Bozeman Oak Branch | Bozeman , MT | 59715 | $146.5M |
| Butte Branch | Butte , MT | 59701 | $125.5M |
| Townsend Branch | Townsend , MT | 59644 | $117.7M |
| Wolf Point Branch | Wolf Point , MT | 59201 | $110.7M |
| Bozeman Valley Commons Branch | Bozeman , MT | 59718 | $84.1M |
| Helena Skyway Branch | Helena , MT | 59602 | $75.4M |
| Billings Shiloh Branch | Billings , MT | 59102 | $64.5M |
| Livingston Branch | Livingston , MT | 59047 | $63.8M |
| Sheridan Office Branch | Sheridan , MT | 59749 | $61.7M |
| Big Timber Branch | Big Timber , MT | 59011 | $59.3M |
| Great Falls Branch | Great Falls , MT | 59405 | $52.0M |
| Culbertson Branch | Culbertson , MT | 59218 | $51.5M |
| Missoula South Branch | Missoula , MT | 59801 | $50.1M |
| Twin Bridges Branch | Twin Bridges , MT | 59754 | $49.0M |
| Hamilton Branch | Hamilton , MT | 59840 | $37.2M |
| Dutton Branch | Dutton , MT | 59433 | $29.8M |
| Helena Neill Branch | Helena , MT | 59601 | $28.3M |
| Billings 27th Branch | Billings , MT | 59101 | $24.7M |
| Denton Branch | Denton , MT | 59430 | $23.8M |
| Froid Branch | Froid , MT | 59226 | $23.6M |
| Missoula Broadway Branch | Missoula , MT | 59808 | $20.8M |
| Billings Heights Branch | Billings , MT | 59105 | $18.4M |
| Three Forks Branch | Three Forks , MT | 59752 | $18.2M |
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 |
|---|---|---|---|
| April 30, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 2022 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Western Bank of Wolf Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2019 | Structure Change | Acquired The State Bank of Townsend Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Structure Change | Acquired Ruby Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve, OCC (former OTS))
- September 30, 2024, Federal Reserve: Civil Money Penalty: Opportunity Bank of Montana, Helena, Montana
- May 21, 1992, OCC (former OTS): Supervisory Agreement: American Federal Savings Bank
- Period: Most recent institution action September 30, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.6% of deposits in MT, rank 6 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,622 applications, 1,148 loans originated, $295.6M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $678K approved, $339K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Opportunity Bank of Montana
What are Opportunity Bank of Montana's total assets?
As of the Q2 2026 filing, Opportunity Bank of Montana reported total assets of $2.12 billion in its FFIEC call report.
Where is Opportunity Bank of Montana headquartered?
It is headquartered in Helena, MT, United States.
When was Opportunity Bank of Montana founded?
It was established in 1922, per the FDIC institution directory.
Is Opportunity Bank of Montana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Opportunity Bank of Montana?
Opportunity Bank of Montana's primary federal regulator is the Federal Reserve.
What is Opportunity Bank of Montana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Opportunity Bank of Montana operate?
It operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Opportunity Bank of Montana's Texas Ratio?
Its Texas Ratio is 1.74% 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 Opportunity Bank of Montana previously called?
The charter now named Opportunity Bank of Montana has also operated as American Federal Savings Bank (1991-2014), per FDIC structure-change records.
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