Skip to main content

Asset Quality · Montana

US Banks with Lowest Texas Ratio (Cleanest Credit) in Montana

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

#1 Texas Ratio (Cleanest Credit): FIRST STATE BANK OF SHELBY, THE — 0.00% . A Texas Ratio under 25% indicates a healthy credit profile — the bank's non-performing assets are well-covered by its capital and reserves.

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 First State Bank of Shelby, the Shelby , MT 0.00% $169.0M
2 Bank of Montana Missoula , MT 0.00% $349.3M
3 Manhattan Bank Manhattan , MT 0.09% $279.5M
4 Pioneer State Bank Deer Lodge , MT 0.28% $122.0M
5 Eagle Bank Polson , MT 0.44% $177.9M
6 First Montana Bank, INC. Missoula , MT 1.03% $536.3M
7 Yellowstone Bank, the Laurel , MT 1.44% $1.34B
8 American Bank Bozeman , MT 1.59% $608.5M
9 Valley Bank of Kalispell Kalispell , MT 2.11% $210.8M
10 Glacier Bank Kalispell , MT 3.01% $31.72B
Full financials, 24-year trends & peer benchmarks on every institution — free. Start free →
11 Stockman Bank of Montana Miles City , MT 3.86% $7.68B
12 Freedom Bank Columbia Falls , MT 4.01% $147.0M
13 Three Rivers Bank of Montana Kalispell , MT 4.22% $306.1M
14 Independence Bank Havre , MT 4.25% $1.37B
15 Opportunity Bank of Montana Helena , MT 4.27% $2.09B
16 Farmers State Bank Victor , MT 4.42% $784.8M
17 Bank of Bridger, N.A. Bridger , MT 4.91% $791.9M
18 Bank of Baker, the Baker , MT 5.26% $165.1M
19 Bank of Bozeman Bozeman , MT 6.95% $110.7M
20 Little Horn State Bank Hardin , MT 7.07% $405.8M
21 Valley Bank of Ronan Ronan , MT 7.23% $209.9M
22 Madison Valley Bank Ennis , MT 7.67% $282.4M
23 First Interstate Bank Billings , MT 8.20% $26.36B
24 Trailwest Bank Lolo , MT 15.53% $1.09B
25 First State Bank of Forsyth Forsyth , MT 15.73% $167.8M
26 Bank of the Rockies Helena , MT 15.93% $261.0M
27 First State Bank of Malta, the Malta , MT 17.10% $193.4M
28 Citizens Bank & Trust Company Big Timber , MT 18.17% $158.3M
29 Ascent Bank Helena , MT 19.49% $104.1M

More Asset Quality rankings

Go past the leaderboard — open any bank for its full financials, 24-year trends, and peer percentiles. Free, no card required.

Start free — no card required

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.

Explore more: all rankings · glossary · browse all banks