Opportunity Bank of Montana: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 61.3% higher than in Q1 2026, at $16.0M. Opportunity Bank of Montana ranks 11th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 87.15% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Opportunity Bank of Montana reported 87.15% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.57B |
| Net loans and leases | $1.56B |
| Loans held for sale | $16.0M |
| Loans to total assets | 74.16% |
| Loan-to-deposit ratio | 87.15% |
| Net loans to equity capital | 6.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.22% |
| Multifamily (5+ residential) | 7.23% |
| Commercial and industrial | 9.52% |
| Consumer | 1.35% |
| Credit cards | 0.00% |
| Farm | 9.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.59% |
| Construction concentration (Tier 1 capital + allowance) | 59.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.29% |
| Interest income on loans | $24.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.49B | $1.62B | 34.85% | 7.61% | 1.98% |
| Q4 2023 | $1.50B | $1.65B | 34.84% | 7.80% | 2.00% |
| Q1 2024 | $1.51B | $1.65B | 36.15% | 8.07% | 1.95% |
| Q2 2024 | $1.53B | $1.63B | 35.12% | 8.35% | 1.89% |
| Q3 2024 | $1.55B | $1.66B | 35.14% | 8.23% | 1.88% |
| Q4 2024 | $1.53B | $1.70B | 34.66% | 8.38% | 1.84% |
| Q1 2025 | $1.53B | $1.70B | 35.85% | 8.14% | 1.75% |
| Q2 2025 | $1.58B | $1.75B | 35.30% | 8.67% | 1.67% |
| Q3 2025 | $1.57B | $1.77B | 35.00% | 8.35% | 1.62% |
| Q4 2025 | $1.53B | $1.81B | 34.48% | 9.00% | 1.57% |
| Q1 2026 | $1.53B | $1.80B | 36.47% | 9.16% | 1.50% |
| Q2 2026 | $1.57B | $1.81B | 36.22% | 9.52% | 1.35% |
Opportunity Bank of Montana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Opportunity Bank of Montana, freeSource: Call Report Schedule RC-C, 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)