Stockman Bank of Montana
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Data as of · sourced from FFIEC call reports. How we update
Stockman Bank of Montana is an FDIC-insured commercial bank headquartered in Miles City, MT, established in 1944 (FDIC certificate 16191), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.75B, up 12.9% from Q2 2025, the 3rd largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 12.01% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16191
- Headquarters
- Miles City, MT
- Established
- 1944
- Total assets, Q2 2026
- $7.75B
- Assets vs Q2 2025
- +12.9%
- CET1 ratio, Q2 2026
- 12.01%
- Domestic offices
- 47 FDIC institution directory, current count
- Routing number
- 092905249
- Latest call report
- Q2 2026, FFIEC 041 · Stockman Bank of Montana Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- STOCKMAN FINANCIAL CORPORATION
- Asset rank in state
- 3rd of 35 in Montana
Stockman Bank of Montana leans heavily on commercial real estate. The Miles City, Montana bank had $7.7 billion in assets at June 30, 2026, up 12.9% from a year earlier. It holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it returns 19.3% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Earnings jumped: net income for the quarter was $36 million, 38% above the same quarter a year earlier. Where it has less room is capital: it holds common equity equal to 12.01% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Stockman Bank of Montana reported a CET1 capital ratio of 12.01%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Stockman Bank of Montana is the 3rd largest of the 35 banks headquartered in Montana. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $7.75B, loans rose 3.8% and deposits fell 1.7%. Non-owner-occupied commercial real estate loans made up 27.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 23.5%. Its 47 offices in the FDIC Summary of Deposits are in 29 cities in MT; its Billings 5 offices book 20% of its branch deposits. By the capital ratios in its Q2 2026 call report, Stockman Bank of Montana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 700 Main St, Miles City, MT 59301
- County
- Custer
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1944
- Former names
- First Security Bank & Trust of Miles City (1965-1997)
- Domestic offices
- 47 FDIC institution directory, current count
- Employees (FTE)
- 904
- Domestic deposits
- $6.21B
- Allowance for credit losses
- $96.1M
- Net charge-offs (YTD)
- $451K
- Average total assets
- $7.70B
- Average total loans
- $5.14B
- Average interest-bearing deposits
- $4.71B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 18, 1944
- FDIC Cert
- 16191
- Fed RSSD
- 651859
- Website
- www.stockmanbank.com →
- Parent Holding Company
- STOCKMAN FINANCIAL CORPORATION (RSSD 1126046)
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
From Q3 2023 to Q2 2026, Stockman Bank of Montana's total assets ranged from $6.13B (Q3 2023) to $7.75B (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
$7.75B total assets against $6.86B; $6.99B total liabilities against $6.19B.
$5.15B net loans and leases against $4.72B; $6.21B total deposits against $5.60B.
$2.02B securities against $1.59B; $108.0M cash and balances due against $128.8M.
$107.1M total interest income against $95.7M; $36.2M total interest expense against $32.2M.
$70.9M net interest income against $63.6M.
$9.9M total noninterest income against $8.5M; $42.0M total noninterest expense against $37.8M.
$3.4M provision for credit losses against $8.1M.
$36.1M net income against $26.1M.
1.88% return on assets against 1.53%; 3.91% net interest margin against 3.96%.
12.01% CET1 capital ratio against 11.73%; 9.89% tier 1 leverage ratio against 9.78%.
Inside the full Stockman 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Stockman Bank of Montana rankings
Its closest position to the top of a national ranking is 197 of 4,196, for total assets; its furthest is 1,706 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.41% (Q3 2024) to 2.20% (Q4 2025) and its net interest margin ran from 3.45% (Q3 2024) to 4.04% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.01% | 1.88% | 0.60% | 3.82% | 3.91% |
| Q1 2026 | 12.04% | 1.98% | 0.62% | 3.79% | 3.85% |
| Q4 2025 | 11.59% | 2.20% | 0.66% | 4.18% | 3.97% |
| Q3 2025 | 11.72% | 2.09% | 0.63% | 4.07% | 4.04% |
| Q2 2025 | 11.73% | 1.53% | 0.65% | 4.26% | 3.96% |
| Q1 2025 | 11.76% | 1.69% | 0.74% | 4.80% | 3.75% |
| Q4 2024 | 11.67% | 1.89% | 0.47% | 3.20% | 3.73% |
| Q3 2024 | 11.71% | 1.41% | 0.28% | 1.85% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 47 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 |
|---|---|---|---|
| Stockman Bank of Montana (main office) | Miles City , MT | 59301 | $690.7M |
| 2700 King Avenue West Branch | Billings , MT | 59102 | $518.3M |
| Sidney Branch | Sidney , MT | 59270 | $447.0M |
| 711 Third Street North West Branch | Great Falls , MT | 59404 | $373.7M |
| Missoula Office | Missoula , MT | 59802 | $302.1M |
| Billings Heights Branch | Billings , MT | 59105 | $253.2M |
| Bozeman Oak & 19th Branch | Bozeman , MT | 59718 | $234.0M |
| Helena Sanders St | Helena , MT | 59601 | $215.2M |
| 204 West Bell Street Branch | Glendive , MT | 59330 | $214.1M |
| Beaverhead Branch | Dillon , MT | 59725 | $213.7M |
| Bozeman Branch | Bozeman , MT | 59718 | $212.9M |
| Belgrade Branch | Belgrade , MT | 59714 | $175.8M |
| Conrad Branch | Conrad , MT | 59425 | $168.0M |
| Shiloh Road Branch | Billings , MT | 59106 | $165.1M |
| Billings North Broadway Branch | Billings , MT | 59101 | $163.7M |
| 2525 10th Avenue South Branch | Great Falls , MT | 59405 | $143.2M |
| Helena Capital Branch | Helena , MT | 59601 | $127.2M |
| Lewistown Branch | Lewistown , MT | 59457 | $126.5M |
| Cut Bank Branch | Cut Bank , MT | 59427 | $124.2M |
| Billings Grand Ave Branch | Billings , MT | 59102 | $112.1M |
| Missoula Reserve Branch | Missoula , MT | 59808 | $107.8M |
| Missoula Brooks Street | Missoula , MT | 59801 | $105.5M |
| Basin State Bank Branch | Stanford , MT | 59479 | $94.3M |
| Plains Branch | Plains , MT | 59859 | $86.4M |
| Havre Branch | Havre , MT | 59501 | $84.2M |
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 |
|---|---|---|---|
| July 29, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2014 | Structure Change | Acquired Basin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 4, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 4, 2001 | Structure Change | Acquired Stockman Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 24, 1999 | Structure Change | Acquired State Bank of Terry Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 24, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 1997 | Structure Change | Acquired Stockman Bank of Billings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 5, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 5, 1997 | Structure Change | Acquired Richland Bank & Trust 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 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 16.0% of deposits in MT, rank 2 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,928 applications, 2,196 loans originated, $648.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $354K approved, $177K 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
- Enforcement actions, 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 Stockman Bank of Montana
What are Stockman Bank of Montana's total assets?
As of the Q2 2026 filing, Stockman Bank of Montana reported total assets of $7.75 billion in its FFIEC call report.
Where is Stockman Bank of Montana headquartered?
It is headquartered in Miles City, MT, United States.
When was Stockman Bank of Montana founded?
It was established in 1944, per the FDIC institution directory.
Is Stockman Bank of Montana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16191). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stockman Bank of Montana?
Stockman Bank of Montana's primary federal regulator is the FDIC.
What is Stockman Bank of Montana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.01% in its Q2 2026 call report, above regulatory requirements.
How many branches does Stockman Bank of Montana operate?
It operates 47 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stockman Bank of Montana's Texas Ratio?
Its Texas Ratio is 3.82% 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 Stockman Bank of Montana previously called?
The charter now named Stockman Bank of Montana has also operated as First Security Bank & Trust of Miles City (1965-1997), per FDIC structure-change records.
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