Opportunity Bank of Montana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Opportunity Bank of Montana of Helena, MT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.82% | 1.46% | -0.64% | 19th bottom |
| ROAE | 7.04% | 12.72% | -5.68% | 17th bottom |
| Net Interest Margin | 4.31% | 3.85% | +0.46% | 83rd top |
| Efficiency Ratio | 74.36% | 57.39% | +16.97% | 14th bottom |
| PPNR / Avg Assets | 1.13% | 1.88% | -0.75% | 20th bottom |
| Yield on Earning Assets | 5.78% | 5.72% | +0.06% | 65th above |
| Cost of Funds | 1.51% | 2.02% | -0.51% | 80th top |
| Net Interest Spread | 3.80% | 3.18% | +0.62% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.42% | 1.00% | -0.58% | 64th above |
| NPA / Total Assets | 0.32% | 0.76% | -0.44% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans | 1.12% | 1.31% | -0.19% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 264.43% | 543.59% | -279.16% | 65th above |
| Texas Ratio | 3.46% | 7.39% | -3.93% | 61st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 211.57% | 619.00% | -407.43% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.10% | 17.34% | -4.24% | 44th below |
| Tier 1 Ratio | 13.10% | 17.37% | -4.27% | 43rd below |
| Total Capital Ratio | 14.23% | 18.42% | -4.19% | 43rd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.93% | 11.44% | -0.51% | 59th above |
| Equity / Assets | 11.72% | 11.33% | +0.39% | 72nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.16% | 10.50% | -0.34% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.15% | 86.95% | +0.20% | 53rd above |
| Core Deposit Ratio | 92.14% | 85.55% | +6.59% | 69th above |
| Uninsured Deposit Ratio | 19.92% | 33.13% | -13.21% | 84th top |
| Wholesale Funding Ratio | 1.84% | 5.71% | -3.87% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.56% | 9.69% | -10.25% | 14th bottom |
| Loan Growth (Y/Y) | -0.57% | 8.06% | -8.63% | 15th bottom |
| Deposit Growth (Y/Y) | 3.11% | 7.87% | -4.76% | 38th below |
See Opportunity Bank of Montana's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Opportunity Bank of Montana, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Opportunity Bank of Montana profile, how to read a UBPR, or how this data updates.