Stockman Bank of Montana: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Stockman Bank of Montana is an FDIC-insured commercial bank. Returns are notably above industry norms: 1.88% ROA, 19.31% ROE, and 3.91% NIM. Stockman Bank of Montana's Q2 2026 balance sheet shows $7.7B in assets funded primarily by $6.2B in customer deposits. Capital cushions are healthy: 12.01% CET1, 9.89% Tier 1 leverage. Credit metrics are in line with industry norms, 0.58% NPL ratio. Its footprint covers 48 branches concentrated in Montana.
As of June 30, 2026, Stockman Bank of Montana reported a CET1 capital ratio of 12.01%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.58%, a Texas ratio of 3.82%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 700 Main St, Miles City, MT 59301
- County
- Custer
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1944
- Former names
- First Security Bank & Trust of Miles City (1965-1997)
- Offices
- 48 domestic
- Employees (FTE)
- 904
- Domestic deposits
- $6.21B
- Allowance for credit losses
- $96.1M
- Net charge-offs (YTD)
- $451K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 18, 1944
- FDIC Cert
- 16191
- Fed RSSD
- 651859
- Website
- www.stockmanbank.com →
- Parent Holding Company
- STOCKMAN FINANCIAL CORPORATION (RSSD 1126046)
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 Stockman Bank of Montana terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Stockman 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Stockman 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 | 12.01% | 1.88% | 0.58% | 3.82% | 3.91% |
| Q1 2026 | 12.04% | 1.98% | 0.60% | 3.86% | 3.85% |
| Q4 2025 | 11.59% | 2.20% | 0.64% | 4.18% | 3.97% |
| Q3 2025 | 11.72% | 2.09% | 0.65% | 4.28% | 4.04% |
| Q2 2025 | 11.73% | 1.53% | 0.66% | 4.49% | 3.96% |
| Q1 2025 | 11.76% | 1.69% | 0.60% | 5.12% | 3.75% |
| Q4 2024 | 11.67% | 1.89% | 0.50% | 3.46% | 3.73% |
| Q3 2024 | 11.71% | 1.41% | 0.30% | 2.10% | 3.45% |
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 47 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stockman Bank of Montana (main office) | Miles City , MT | 59301 | $690.7M |
| 2700 King Avenue West Branch | Billings , MT | 59102 | $518.3M |
| Sidney Branch | Sidney , MT | 59270 | $447.0M |
| 711 Third Street North West Branch | Great Falls , MT | 59404 | $373.7M |
| Missoula Office | Missoula , MT | 59802 | $302.1M |
| Billings Heights Branch | Billings , MT | 59105 | $253.2M |
| Bozeman Oak & 19th Branch | Bozeman , MT | 59718 | $234.0M |
| Helena Sanders St | Helena , MT | 59601 | $215.2M |
| 204 West Bell Street Branch | Glendive , MT | 59330 | $214.1M |
| Beaverhead Branch | Dillon , MT | 59725 | $213.7M |
| Bozeman Branch | Bozeman , MT | 59718 | $212.9M |
| Belgrade Branch | Belgrade , MT | 59714 | $175.8M |
| Conrad Branch | Conrad , MT | 59425 | $168.0M |
| Shiloh Road Branch | Billings , MT | 59106 | $165.1M |
| Billings North Broadway Branch | Billings , MT | 59101 | $163.7M |
| 2525 10th Avenue South Branch | Great Falls , MT | 59405 | $143.2M |
| Helena Capital Branch | Helena , MT | 59601 | $127.2M |
| Lewistown Branch | Lewistown , MT | 59457 | $126.5M |
| Cut Bank Branch | Cut Bank , MT | 59427 | $124.2M |
| Billings Grand Ave Branch | Billings , MT | 59102 | $112.1M |
| Missoula Reserve Branch | Missoula , MT | 59808 | $107.8M |
| Missoula Brooks Street | Missoula , MT | 59801 | $105.5M |
| Basin State Bank Branch | Stanford , MT | 59479 | $94.3M |
| Plains Branch | Plains , MT | 59859 | $86.4M |
| Havre Branch | Havre , MT | 59501 | $84.2M |
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 |
|---|---|---|---|
| July 29, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 2014 | Structure Change | Acquired Basin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 4, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 4, 2001 | Structure Change | Acquired Stockman Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 24, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 1999 | Structure Change | Acquired State Bank of Terry Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 1997 | Structure Change | Acquired Stockman Bank of Billings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 5, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 5, 1997 | Structure Change | Acquired Richland Bank & Trust 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 10 events.
Regulatory record
What the public regulatory sources show for Stockman 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 16.0% of deposits in MT, rank 2 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,928 applications, 2,196 loans originated, $648.2M 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 Stockman Bank of Montana
What are Stockman Bank of Montana's total assets?
As of the Q2 2026 filing, Stockman Bank of Montana reported total assets of $7.75 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Stockman Bank of Montana headquartered?
Stockman Bank of Montana is headquartered in Miles City, MT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Stockman Bank of Montana founded?
Stockman Bank of Montana was established in 1944, per the FDIC institution directory.
Is Stockman Bank of Montana FDIC-insured?
Yes. Stockman Bank of Montana is an FDIC-insured commercial bank (FDIC Certificate #16191). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stockman Bank of Montana?
Stockman Bank of Montana's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Stockman Bank of Montana's CET1 capital ratio?
Stockman Bank of Montana reported a Common Equity Tier 1 (CET1) capital ratio of 12.01% in its Q2 2026 call report, above regulatory requirements.
How many branches does Stockman Bank of Montana operate?
Stockman Bank of Montana operates 48 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stockman Bank of Montana's Texas Ratio?
Stockman Bank of Montana's Texas Ratio is 3.82% 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 Stockman Bank of Montana previously called?
The charter now named Stockman Bank of Montana has also operated as First Security Bank & Trust of Miles City (1965-1997), per FDIC structure-change records.
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