Three Rivers Bank of Montana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Three Rivers Bank of Montana of Kalispell, MT against its peer group of 2672 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 | 1.51% | 1.35% | +0.16% | 64th above |
| ROAE | 13.60% | 12.05% | +1.55% | 58th above |
| Net Interest Margin | 5.36% | 3.90% | +1.46% | 96th top |
| Efficiency Ratio | 64.73% | 63.15% | +1.58% | 40th below |
| PPNR / Avg Assets | 2.04% | 1.64% | +0.40% | 74th above |
| Yield on Earning Assets | 6.87% | 5.65% | +1.22% | 93rd top |
| Cost of Funds | 1.57% | 1.85% | -0.28% | 65th above |
| Net Interest Spread | 4.69% | 3.35% | +1.34% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.93% | 0.92% | +0.01% | 30th below |
| NPA / Total Assets | 0.78% | 0.67% | +0.11% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 30th below |
| ACL / NPLs (Coverage) | 111.26% | 1645.79% | -1534.53% | 31st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.34% | 7.15% | -0.81% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 333.33% | 1189.72% | -856.39% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.72% | 12.46% | -0.74% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.51% | 11.67% | -0.16% | 66th above |
| TCE / Tangible Assets | 11.51% | 11.40% | +0.11% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.01% | 78.64% | +17.37% | 17th bottom |
| Core Deposit Ratio | 94.34% | 87.09% | +7.25% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.36% | 6.48% | -14.84% | 2nd bottom |
| Loan Growth (Y/Y) | -7.85% | 7.65% | -15.50% | 4th bottom |
| Deposit Growth (Y/Y) | -4.26% | 6.03% | -10.29% | 8th bottom |
See Three Rivers Bank of Montana's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Three Rivers 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 Three Rivers Bank of Montana profile, how to read a UBPR, or how this data updates.