Opportunity Bank of Montana: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Opportunity Bank of Montana is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Opportunity Bank of Montana reported $2.1B in total assets against $1.8B in deposits. Returns are in line with industry norms at 0.82% ROA and 7.04% ROE; net interest margin is 4.31%. Regulatory capital is solid, 13.10% CET1 and 14.23% total risk-based capital ratio. Asset quality is pristine, 0.42% NPLs and a 3.46% Texas Ratio. Its footprint covers 30 branches concentrated in Montana.
As of June 30, 2026, Opportunity Bank of Montana reported a CET1 capital ratio of 13.10%, a return on assets of 0.82%, a nonperforming-loan ratio of 0.42%, a Texas ratio of 3.46%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1400 Prospect Ave, Helena, MT 59601
- County
- Lewis And Clark
- Metro Area
- Helena, MT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Former names
- American Federal Savings Bank (1991-2014)
- Offices
- 30 domestic
- Employees (FTE)
- 376
- Domestic deposits
- $1.81B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- $242K
- Average total assets
- $2.11B
- Average total loans
- $1.55B
- Average interest-bearing deposits
- $1.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30182
- Fed RSSD
- 685676
- SEC CIK
- 1478454 → filed by EAGLE BANCORP MONTANA, INC.
- Website
- www.opportunitybank.com →
- Parent Holding Company
- EAGLE BANCORP MONTANA, INC. (RSSD 4126609) · EBMT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Clark Laura | CEO | President/CEO |
| Spaulding Miranda | CFO | SVP - CFO |
| Amdahl Rachel R | COO | SVP-Chief Operations Officer |
| Field Dale | CCO | SVP-Chief Credit Officer |
| Nash Chantelle | CRO | SVP-Chief Risk & Admin Offcr |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Opportunity Bank of Montana terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Opportunity Bank of Montana, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Opportunity Bank of Montana rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.10% | 0.82% | 0.42% | 3.46% | 4.31% |
| Q1 2026 | 13.31% | 0.88% | 0.42% | 4.27% | 4.25% |
| Q4 2025 | 13.15% | 1.01% | 0.41% | 4.40% | 4.32% |
| Q3 2025 | 12.67% | 0.81% | 0.40% | 3.85% | 4.16% |
| Q2 2025 | 12.41% | 0.74% | 0.42% | 4.36% | 4.05% |
| Q1 2025 | 12.56% | 0.75% | 0.44% | 4.48% | 3.84% |
| Q4 2024 | 12.41% | 0.78% | 0.49% | 3.94% | 3.75% |
| Q3 2024 | 12.08% | 0.63% | 0.53% | 4.38% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 30 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Opportunity Bank of Montana (main office) | Helena , MT | 59601 | $250.4M |
| Glasgow Branch | Glasgow , MT | 59230 | $157.0M |
| Bozeman Oak Branch | Bozeman , MT | 59715 | $146.5M |
| Butte Branch | Butte , MT | 59701 | $125.5M |
| Townsend Branch | Townsend , MT | 59644 | $117.7M |
| Wolf Point Branch | Wolf Point , MT | 59201 | $110.7M |
| Bozeman Valley Commons Branch | Bozeman , MT | 59718 | $84.1M |
| Helena Skyway Branch | Helena , MT | 59602 | $75.4M |
| Billings Shiloh Branch | Billings , MT | 59102 | $64.5M |
| Livingston Branch | Livingston , MT | 59047 | $63.8M |
| Sheridan Office Branch | Sheridan , MT | 59749 | $61.7M |
| Big Timber Branch | Big Timber , MT | 59011 | $59.3M |
| Great Falls Branch | Great Falls , MT | 59405 | $52.0M |
| Culbertson Branch | Culbertson , MT | 59218 | $51.5M |
| Missoula South Branch | Missoula , MT | 59801 | $50.1M |
| Twin Bridges Branch | Twin Bridges , MT | 59754 | $49.0M |
| Hamilton Branch | Hamilton , MT | 59840 | $37.2M |
| Dutton Branch | Dutton , MT | 59433 | $29.8M |
| Helena Neill Branch | Helena , MT | 59601 | $28.3M |
| Billings 27th Branch | Billings , MT | 59101 | $24.7M |
| Denton Branch | Denton , MT | 59430 | $23.8M |
| Froid Branch | Froid , MT | 59226 | $23.6M |
| Missoula Broadway Branch | Missoula , MT | 59808 | $20.8M |
| Billings Heights Branch | Billings , MT | 59105 | $18.4M |
| Three Forks Branch | Three Forks , MT | 59752 | $18.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 30, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 2022 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Western Bank of Wolf Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2019 | Structure Change | Acquired The State Bank of Townsend Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Structure Change | Acquired Ruby Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Opportunity Bank of Montana, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve, OCC (former OTS))
- September 30, 2024, Federal Reserve: Civil Money Penalty: Opportunity Bank of Montana, Helena, Montana
- May 21, 1992, OCC (former OTS): Supervisory Agreement: American Federal Savings Bank
- Period: Most recent institution action September 30, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.6% of deposits in MT, rank 6 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,622 applications, 1,148 loans originated, $295.6M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Opportunity Bank of Montana
What are Opportunity Bank of Montana's total assets?
As of the Q2 2026 filing, Opportunity Bank of Montana reported total assets of $2.12 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Opportunity Bank of Montana headquartered?
Opportunity Bank of Montana is headquartered in Helena, MT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Opportunity Bank of Montana founded?
Opportunity Bank of Montana was established in 1922, per the FDIC institution directory.
Is Opportunity Bank of Montana FDIC-insured?
Yes. Opportunity Bank of Montana is an FDIC-insured commercial bank (FDIC Certificate #30182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Opportunity Bank of Montana?
Opportunity Bank of Montana's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Opportunity Bank of Montana's CET1 capital ratio?
Opportunity Bank of Montana reported a Common Equity Tier 1 (CET1) capital ratio of 13.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Opportunity Bank of Montana operate?
Opportunity Bank of Montana operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Opportunity Bank of Montana's Texas Ratio?
Opportunity Bank of Montana's Texas Ratio is 3.46% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Opportunity Bank of Montana previously called?
The charter now named Opportunity Bank of Montana has also operated as American Federal Savings Bank (1991-2014), per FDIC structure-change records.
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