Three Rivers 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 CRE concentration (Tier 1 capital + allowance): 25.54 percentage points lower than in Q1 2026, at 160.03%. Within Montana, Three Rivers Bank of Montana is 6th of 35 on loan-to-deposit ratio, 96.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Three Rivers Bank of Montana sits 15.17 points higher, at 96.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.6M |
| Net loans and leases | $245.1M |
| Loans held for sale | $318K |
| Loans to total assets | 84.49% |
| Loan-to-deposit ratio | 96.01% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.92% |
| Multifamily (5+ residential) | 2.19% |
| Commercial and industrial | 11.37% |
| Consumer | 1.94% |
| Credit cards | 0.29% |
| Farm | 1.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 160.03% |
| Construction concentration (Tier 1 capital + allowance) | 78.96% |
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 | 7.28% |
| Interest income on loans | $4.6M |
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 | $221.2M | $277.0M | 31.69% | 15.88% | 1.96% |
| Q4 2023 | $228.0M | $269.2M | 31.74% | 15.37% | 1.99% |
| Q1 2024 | $236.2M | $277.0M | 31.09% | 14.52% | 1.93% |
| Q2 2024 | $248.7M | $265.2M | 30.24% | 15.61% | 2.00% |
| Q3 2024 | $259.8M | $278.6M | 28.32% | 16.55% | 1.98% |
| Q4 2024 | $264.2M | $282.8M | 30.10% | 12.32% | 1.92% |
| Q1 2025 | $267.6M | $279.0M | 30.90% | 12.61% | 1.73% |
| Q2 2025 | $268.7M | $269.4M | 32.32% | 12.08% | 1.88% |
| Q3 2025 | $252.2M | $274.6M | 30.42% | 12.51% | 1.95% |
| Q4 2025 | $257.8M | $276.7M | 29.37% | 11.34% | 1.81% |
| Q1 2026 | $251.2M | $272.1M | 29.07% | 11.13% | 1.91% |
| Q2 2026 | $247.6M | $257.9M | 31.92% | 11.37% | 1.94% |
Three Rivers Bank of Montana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Three Rivers 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 Three Rivers Bank of Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21557) · FFIEC NIC profile (RSSD 610557)