BlastPoint's Banking Scorecard
Stockman Bank of Montana
Mid-Market
Specialty: Commercial
MT
FDIC cert 16191
Designations: ✓ Community bank
Miles City, MT
201
banks in Mid-Market tier nationally
1 in MT
View Mid-Market leaderboard (MT) →
Stockman Bank of Montana shows strong momentum with 1 strength and 10.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 18% in Mid-Market
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
+10.2% YoY
+5.8% QoQ
|
-$2.9B |
$10.5B
+2.9% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$5.0B
+9.8% YoY
+2.9% QoQ
|
-$2.1B |
$7.1B
+4.5% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$6.2B
+10.3% YoY
+6.7% QoQ
|
-$2.3B |
$8.5B
+3.0% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.87%
+23.4% YoY
+6.6% QoQ
|
+0.71% |
1.16%
+9.4% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
3.95%
+14.7% YoY
+0.5% QoQ
|
+0.56% |
3.40%
+7.9% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
49.93%
-9.9% YoY
-2.1% QoQ
|
-6.67% |
56.60%
-3.2% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.67%
+40.2% YoY
+3.5% QoQ
|
-0.02% |
0.68%
+12.0% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
80.37%
-0.4% YoY
-3.6% QoQ
|
-5.10% |
85.47%
+1.1% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
26.47%
-4.3% YoY
-1.1% QoQ
|
+5.83% |
20.64%
-0.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.44%
+39.7% YoY
+0.6% QoQ
|
-0.06% |
0.50%
+7.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.59%
-0.7% YoY
-1.1% QoQ
|
-1.96% |
13.55%
+1.8% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.45%
-0.9% YoY
+26.1% QoQ
|
-0.50% |
0.96%
+7.1% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#10 of 51 · Top 18% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.87%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 49.93% · Tier avg: 56.60%
76
76th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.40%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 26.47% · Tier avg: 20.64%
67
67th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 85.47%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.68%
40
40th pctile
Total Deposits
Current: $6.2B · Tier avg: $8.5B
40
40th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
38
38th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
29
29th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.96%
24
24th pctile
Tier 1 Capital Ratio
Current: 11.59% · Tier avg: 13.55%
Top Weaknesses
24
24th pctile
Tier 1 Capital Ratio
Current: 11.59% · Tier avg: 13.55%
29
29th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.96%
38
38th pctile
Total Loans
Current: $5.0B · Tier avg: $7.1B
40
40th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
40
40th pctile
Total Deposits
Current: $6.2B · Tier avg: $8.5B
45
45th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.68%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
67
67th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 85.47%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 26.47% · Tier avg: 20.64%
76
76th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.40%
77
77th pctile
Efficiency Ratio
Current: 49.93% · Tier avg: 56.60%
90
90th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%