Three Rivers Bank of Montana
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Data as of · sourced from FFIEC call reports. How we update
Three Rivers Bank of Montana is an FDIC-insured commercial bank headquartered in Kalispell, MT, established in 1974 (FDIC certificate 21557), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $293.1M, down 8.4% from Q2 2025, the 14th largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21557
- Headquarters
- Kalispell, MT
- Established
- 1974
- Total assets, Q2 2026
- $293.1M
- Assets vs Q2 2025
- -8.4%
- Tier 1 leverage ratio, Q2 2026
- 11.72%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 092901418
- Latest call report
- Q2 2026, FFIEC 051 · Three Rivers Bank of Montana call report
- Holding company
- GREAT NORTHERN BANCSHARES, INC.
- Asset rank in state
- 14th of 35 in Montana
Problem loans are rising at Three Rivers Bank of Montana. It reported $293 million in assets at June 30, 2026, down 8.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.93% of loans from 0.56% a year earlier. It keeps 5.36 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also shrank its loan book 7.8% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $1.1 million, 95% above the same quarter a year earlier. The commercial and industrial book ($28 million) is worsening: 6.02% of it is past due or on nonaccrual, up from 3.49% a year earlier.
As of June 30, 2026, Three Rivers Bank of Montana reported a return on assets of 1.51%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 6.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Three Rivers Bank of Montana is the 14th largest of the 35 banks headquartered in Montana. Between Q1 2026 and Q2 2026, its total assets fell 4.3% to $293.1M, loans fell 1.4% and deposits fell 5.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.4% of total loans, followed by owner-occupied commercial real estate loans at 21.9%. Its 3 offices in the FDIC Summary of Deposits are in Kalispell, MT and Whitefish, MT; its Kalispell 2 offices book 96% of its branch deposits. By the capital ratios in its Q2 2026 call report, Three Rivers Bank of Montana meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 233 E Idaho St, Kalispell, MT 59901
- County
- Flathead
- Metro Area
- Kalispell, MT
- 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
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1974
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $257.9M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $297.6M
- Average total loans
- $251.3M
- Average interest-bearing deposits
- $191.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1974
- FDIC Cert
- 21557
- Fed RSSD
- 610557
- Website
- WWW.THREERIVERSBANKMONTANA.COM →
- Parent Holding Company
- GREAT NORTHERN BANCSHARES, INC. (RSSD 1138366)
- Ultimate Parent
- KING KALISPELL, LLC (RSSD 4404277)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Three Rivers Bank of Montana reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Three Rivers Bank of Montana's total assets ran between $293.1M (Q2 2026) and $324.0M (Q4 2024), 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
$293.1M total assets against $319.8M; $259.4M total liabilities against $288.8M.
$245.1M net loans and leases against $265.7M; $257.9M total deposits against $269.4M.
$16.3M securities against $24.9M; $11.0M cash and balances due against $6.2M.
$4.7M total interest income against $4.9M; $1.0M total interest expense against $1.6M.
$3.7M net interest income against $3.3M.
$650K total noninterest income against $366K; $2.8M total noninterest expense against $2.8M.
$1K provision for credit losses against $106K.
$1.1M net income against $577K.
1.51% return on assets against 0.72%; 5.36% net interest margin against 4.46%.
11.72% tier 1 leverage ratio against 10.25%.
Inside the full Three Rivers Bank of Montana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThree Rivers Bank of Montana rankings
Its closest position to the top of a national ranking is 1,072 of 3,640, for Texas Ratio; its furthest is 2,329 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q3 2024) to 1.51% (Q2 2026) and its net interest margin ran from 3.76% (Q3 2024) to 5.36% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.72% | 1.51% | 0.93% | 6.34% | 5.36% |
| Q1 2026 | 11.04% | 1.31% | 0.59% | 4.22% | 5.14% |
| Q4 2025 | 10.93% | 1.29% | 0.64% | 4.62% | 5.08% |
| Q3 2025 | 10.56% | 1.24% | 0.74% | 5.42% | 4.60% |
| Q2 2025 | 10.25% | 0.72% | 0.56% | 4.44% | 4.46% |
| Q1 2025 | 10.01% | 0.73% | 0.53% | 4.23% | 4.13% |
| Q4 2024 | 9.84% | 1.39% | 0.55% | 4.46% | 4.33% |
| Q3 2024 | 9.59% | 0.17% | 0.51% | 4.07% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Three Rivers Bank of Montana (main office) | Kalispell , MT | 59901 | $167.6M |
| North Meridian Branch | Kalispell , MT | 59901 | $79.4M |
| Whitefish Branch | Whitefish , MT | 59937 | $10.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in MT, rank 18 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $3.8M approved, $962K 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, Mortgage lending (HMDA), 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 Three Rivers Bank of Montana
What are Three Rivers Bank of Montana's total assets?
As of the Q2 2026 filing, Three Rivers Bank of Montana reported total assets of $293.1 million in its FFIEC call report.
Where is Three Rivers Bank of Montana headquartered?
It is headquartered in Kalispell, MT, United States.
When was Three Rivers Bank of Montana founded?
It was established in 1974, per the FDIC institution directory.
Is Three Rivers Bank of Montana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Three Rivers Bank of Montana?
Three Rivers Bank of Montana's primary federal regulator is the FDIC.
How many branches does Three Rivers Bank of Montana operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Three Rivers Bank of Montana's Texas Ratio?
Its Texas Ratio is 6.34% 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.
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