Financial strength ranking · Montana · Call Report data as of Q2 2026

Best Banks in Montana by Financial Strength

Eagle Bank ranks first among the 29 banks headquartered in Montana we score, with a financial strength score of 88.9 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Eagle Bank
Its score: 88.9 of 100
Banks scored in Montana: 29
Its return on assets: 2.44%

Every scored bank in Montana

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Montana ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Eagle Bank Polson	88.9	2.44%	40.36%	13.03%	0.00%	$179.5M
2	The Yellowstone Bank Laurel	86.9	3.01%	32.03%	12.33%	0.01%	$1.34B
3	The First State Bank of Shelby Shelby	78.9	1.30%	52.07%	19.38%	0.00%	$175.6M
4	Bank of Montana Missoula	75.2	3.51%	23.52%	8.89%	0.00%	$308.6M
5	Independence Bank Havre	75.0	1.91%	41.96%	13.39%	0.37%	$1.39B
6	First State Bank of Forsyth Forsyth	66.6	2.08%	40.76%	12.08%	1.01%	$165.5M
7	Freedom Bank Columbia Falls	63.2	1.96%	56.92%	12.25%	0.48%	$157.3M
8	American Bank Bozeman	60.1	1.39%	65.66%	11.12%	0.00%	$630.4M
9	Valley Bank of Kalispell Kalispell	58.6	1.76%	51.02%	9.49%	0.24%	$218.1M
10	Stockman Bank of Montana Miles City	57.7	1.88%	51.59%	9.89%	0.41%	$7.75B
11	The First State Bank of Malta Malta	57.4	1.17%	51.05%	14.36%	0.80%	$189.7M
12	Glacier Bank Kalispell	51.6	1.29%	55.37%	10.10%	0.29%	$31.58B
13	Manhattan Bank Manhattan	50.6	1.47%	60.90%	9.90%	0.20%	$287.1M
14	Garfield County Bank Jordan	49.7	1.27%	57.94%	15.82%	3.75%	$108.0M
15	First Montana Bank, Inc. Missoula	48.2	1.14%	63.98%	10.15%	0.08%	$530.3M
16	Three Rivers Bank of Montana Kalispell	48.0	1.51%	64.73%	11.72%	0.78%	$293.1M
17	Little Horn State Bank Hardin	47.7	1.17%	45.30%	10.34%	0.99%	$412.6M
18	The Bank of Baker Baker	47.6	1.50%	64.64%	10.85%	0.51%	$160.9M
19	Citizens Bank & Trust Company Big Timber	45.4	1.57%	51.34%	9.92%	1.95%	$155.4M
20	First Interstate Bank Billings	44.0	1.39%	55.54%	9.42%	0.64%	$25.79B
21	Bank of the Rockies Helena	43.4	2.04%	62.14%	9.37%	0.92%	$277.4M
22	Bank of Bridger, N.A. Bridger	42.6	0.92%	60.88%	10.08%	0.23%	$802.7M
23	Trailwest Bank Lolo	42.5	1.78%	52.97%	8.62%	1.47%	$1.11B
24	Opportunity Bank of Montana Helena	38.7	0.82%	74.36%	10.93%	0.20%	$2.12B
25	Valley Bank of Ronan Ronan	32.7	0.91%	72.92%	9.29%	0.18%	$218.1M
26	Bank of Bozeman Bozeman	32.3	0.81%	76.84%	10.20%	0.29%	$108.4M
27	Ascent Bank Helena	32.3	1.31%	57.31%	8.69%	1.99%	$104.1M
28	Madison Valley Bank Ennis	31.9	1.15%	66.05%	9.24%	0.62%	$263.7M
29	Farmers State Bank Victor	25.1	0.86%	72.17%	8.84%	0.45%	$790.3M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Montana?

By our financial strength score, Eagle Bank of Polson ranks first among the 29 scored banks headquartered in Montana, scoring 88.9 out of 100 for Q2 2026: return on assets of 2.44%, an efficiency ratio of 40.36%, a Tier 1 leverage ratio of 13.03% and nonperforming assets of 0.00% of total assets. The Yellowstone Bank and The First State Bank of Shelby rank second and third.

How are the best banks in Montana ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Montana

Largest banks in Montana Bank deposits in Montana Largest credit unions in Montana Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.