Opportunity Bank of Montana: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.4% higher than in Q1 2026, at -$13.3M. Within Montana, Opportunity Bank of Montana is 12th of 21 on CET1 ratio, 13.10% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Opportunity Bank of Montana reported 13.10% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.10% |
| Tier 1 risk-based capital ratio | 13.10% |
| Total risk-based capital ratio | 14.23% |
| Tier 1 leverage ratio | 10.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $227.0M |
| Tier 1 capital | $227.0M |
| Total risk-based capital | $246.6M |
| Total equity capital | $248.8M |
| Risk-weighted assets | $1.73B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.72% |
| Tangible equity to tangible assets | 10.16% |
| Equity capital to average assets | 11.78% |
| Internal capital growth rate | 3.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $137.7M |
| Retained earnings | $124.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.73% | 11.73% | 12.76% | 9.68% | $1.69B |
| Q4 2023 | 11.96% | 11.96% | 13.01% | 9.75% | $1.68B |
| Q1 2024 | 12.12% | 12.12% | 13.17% | 9.91% | $1.68B |
| Q2 2024 | 12.09% | 12.09% | 13.15% | 9.92% | $1.70B |
| Q3 2024 | 12.08% | 12.08% | 13.14% | 9.87% | $1.72B |
| Q4 2024 | 12.41% | 12.41% | 13.49% | 10.07% | $1.70B |
| Q1 2025 | 12.56% | 12.56% | 13.64% | 10.29% | $1.70B |
| Q2 2025 | 12.41% | 12.41% | 13.51% | 10.34% | $1.75B |
| Q3 2025 | 12.67% | 12.67% | 13.79% | 10.35% | $1.73B |
| Q4 2025 | 13.15% | 13.15% | 14.28% | 10.62% | $1.69B |
| Q1 2026 | 13.31% | 13.31% | 14.46% | 10.85% | $1.69B |
| Q2 2026 | 13.10% | 13.10% | 14.23% | 10.93% | $1.73B |
Opportunity Bank of Montana regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Opportunity Bank of Montana, freeSource: Call Report Schedule RC-R, 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 Opportunity Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30182) · FFIEC NIC profile (RSSD 685676)