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Asset Quality · Montana

US Banks with Highest Texas Ratio in Montana

Ranked among banks headquartered in Montana. Re-ranked 1-29 within the state from the same national ranking population.

#1 Texas Ratio: ASCENT BANK — 19.49% . The Texas Ratio is the most-cited bank failure-prediction metric. A ratio above 100% historically correlates with elevated failure risk.

Ranked: 29 banks with reported data Showing: Top 29 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Texas Ratio? A Bank Failure Warning Sign
# Bank HQ US Banks with … Total Assets
1 Ascent Bank Helena , MT 19.49% $104.1M
2 Citizens Bank & Trust Company Big Timber , MT 18.17% $158.3M
3 First State Bank of Malta, the Malta , MT 17.10% $193.4M
4 Bank of the Rockies Helena , MT 15.93% $261.0M
5 First State Bank of Forsyth Forsyth , MT 15.73% $167.8M
6 Trailwest Bank Lolo , MT 15.53% $1.09B
7 First Interstate Bank Billings , MT 8.20% $26.36B
8 Madison Valley Bank Ennis , MT 7.67% $282.4M
9 Valley Bank of Ronan Ronan , MT 7.23% $209.9M
10 Little Horn State Bank Hardin , MT 7.07% $405.8M
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11 Bank of Bozeman Bozeman , MT 6.95% $110.7M
12 Bank of Baker, the Baker , MT 5.26% $165.1M
13 Bank of Bridger, N.A. Bridger , MT 4.91% $791.9M
14 Farmers State Bank Victor , MT 4.42% $784.8M
15 Opportunity Bank of Montana Helena , MT 4.27% $2.09B
16 Independence Bank Havre , MT 4.25% $1.37B
17 Three Rivers Bank of Montana Kalispell , MT 4.22% $306.1M
18 Freedom Bank Columbia Falls , MT 4.01% $147.0M
19 Stockman Bank of Montana Miles City , MT 3.86% $7.68B
20 Glacier Bank Kalispell , MT 3.01% $31.72B
21 Valley Bank of Kalispell Kalispell , MT 2.11% $210.8M
22 American Bank Bozeman , MT 1.59% $608.5M
23 Yellowstone Bank, the Laurel , MT 1.44% $1.34B
24 First Montana Bank, INC. Missoula , MT 1.03% $536.3M
25 Eagle Bank Polson , MT 0.44% $177.9M
26 Pioneer State Bank Deer Lodge , MT 0.28% $122.0M
27 Manhattan Bank Manhattan , MT 0.09% $279.5M
28 First State Bank of Shelby, the Shelby , MT 0.00% $169.0M
29 Bank of Montana Missoula , MT 0.00% $349.3M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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