Stockman Bank of Montana: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.34 percentage points higher than in Q1 2026, at 317.08%. Stockman Bank of Montana ranks 11th of 35 Montana banks on return on assets, in the upper half at 1.88% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Stockman Bank of Montana sits 0.60 points higher, at 1.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 9.89% |
| Equity capital to assets | 9.74% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.82% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | 317.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.88% |
| Return on equity | 19.31% |
| Net interest margin | 3.91% |
| Efficiency ratio | 51.59% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.42% |
| Core deposits to total deposits | 90.25% |
| Brokered deposits to total deposits | 0.02% |
| Deposits to assets | 80.20% |
| Securities to assets | 26.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.55% | 12.55% | 13.80% | 9.53% | 1.23% |
| Q4 2023 | 12.47% | 12.47% | 13.73% | 9.41% | 1.28% |
| Q1 2024 | 12.47% | 12.47% | 13.72% | 9.62% | 1.43% |
| Q2 2024 | 12.44% | 12.44% | 13.69% | 9.62% | 1.35% |
| Q3 2024 | 11.71% | 11.71% | 12.96% | 9.46% | 1.41% |
| Q4 2024 | 11.67% | 11.67% | 12.92% | 9.35% | 1.89% |
| Q1 2025 | 11.76% | 11.76% | 13.01% | 9.63% | 1.69% |
| Q2 2025 | 11.73% | 11.73% | 12.98% | 9.78% | 1.53% |
| Q3 2025 | 11.72% | 11.72% | 12.97% | 9.96% | 2.09% |
| Q4 2025 | 11.59% | 11.59% | 12.84% | 9.64% | 2.20% |
| Q1 2026 | 12.04% | 12.04% | 13.30% | 9.86% | 1.98% |
| Q2 2026 | 12.01% | 12.01% | 13.27% | 9.89% | 1.88% |
Stockman Bank of Montana vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockman Bank of Montana, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Stockman Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16191) · FFIEC NIC profile (RSSD 651859)