Asset Quality ranking · Montana · Call report data as of September 30, 2026
Montana Banks: Highest CRE Delinquency
Ascent Bank has the highest commercial real estate noncurrent rate of the 22 ranked banks headquartered in Montana, at 4.74% as of September 30, 2026. The median among the 22 ranked Montana banks is 0.25%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.02% to 0.94%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Montana banks by commercial real estate noncurrent rate. For the largest banks headquartered in Montana, see largest banks in Montana.
- No. 1 in Montana
- Ascent Bank
- Its CRE noncurrent
- 4.74%
- Montana median
- 0.25%
- Banks ranked
- 22
Ranked among banks headquartered in Montana, numbered 1 to 22 within the state from the same population as the national list. Browse every bank in the Montana bank directory.
Top 22 Montana banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Montana median of 0.25%. Missing values show as a dash and sort last.
| 1 | Ascent Bank Helena, MT | 4.74% | $101.7M $100M to $1B |
| 2 | Trailwest Bank Lolo, MT | 2.85% | $1.10B $1B to $10B |
| 3 | Bank of the Rockies Helena, MT | 2.01% | $286.0M $100M to $1B |
| 4 | Farmers State Bank Victor, MT | 1.57% | $803.0M $100M to $1B |
| 5 | Citizens Bank & Trust Company Big Timber, MT | 1.04% | $156.0M $100M to $1B |
| 6 | Bank of Bridger, N.A. Bridger, MT | 0.94% | $799.7M $100M to $1B |
| 7 | Little Horn State Bank Hardin, MT | 0.94% | $427.1M $100M to $1B |
| 8 | First Interstate Bank Billings, MT | 0.92% | $25.68B $10B to $100B |
| 9 | Madison Valley Bank Ennis, MT | 0.76% | $268.8M $100M to $1B |
| 10 | Glacier Bank Kalispell, MT | 0.30% | $32.27B $10B to $100B |
| 11 | Stockman Bank of Montana Miles City, MT | 0.26% | $7.67B $1B to $10B |
| 12 | The Yellowstone Bank Laurel, MT | 0.24% | $1.37B $1B to $10B |
| 13 | Valley Bank of Ronan Ronan, MT | 0.22% | $223.0M $100M to $1B |
| 14 | Three Rivers Bank of Montana Kalispell, MT | 0.17% | $298.3M $100M to $1B |
| 15 | Independence Bank Havre, MT | 0.12% | $1.45B $1B to $10B |
| 16 | Opportunity Bank of Montana Helena, MT | 0.07% | $2.28B $1B to $10B |
| 17 | American Bank Bozeman, MT | 0.00% | $650.1M $100M to $1B |
| 18 | First Montana Bank, Inc. Missoula, MT | 0.00% | $559.6M $100M to $1B |
| 19 | Manhattan Bank Manhattan, MT | 0.00% | $285.0M $100M to $1B |
| 20 | Valley Bank of Kalispell Kalispell, MT | 0.00% | $225.3M $100M to $1B |
| 21 | Eagle Bank Polson, MT | 0.00% | $183.3M $100M to $1B |
| 22 | Freedom Bank Columbia Falls, MT | 0.00% | $164.7M $100M to $1B |
Screen every bank in Montana by size, capital, credit and earnings in the screener. Free account, no card. Open the screener →
Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 22 banks headquartered in Montana that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Montana has the highest commercial real estate noncurrent rate?
Ascent Bank has the highest commercial real estate noncurrent rate of the 22 ranked banks headquartered in Montana, at 4.74% as of September 30, 2026, according to its FFIEC call report. Trailwest Bank ranks second at 2.85%. The median is 0.25%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Montana rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
All bank rankings · Bank metrics glossary · List of all US banks