BlastPoint's Banking Scorecard
Bank of The Rockies
Micro
Specialty: Agricultural
MT
FDIC cert 2205
Designations: ✓ Community bank
Helena, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Bank of The Rockies faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.4M
+5.2% YoY
+2.8% QoQ
|
+$52.9M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$188.8M
+1.1% YoY
-2.4% QoQ
|
+$49.6M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$236.8M
+10.9% YoY
+4.7% QoQ
|
+$53.1M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.67%
+16.0% YoY
+2.6% QoQ
|
+0.59% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.88%
+1.3% YoY
+3.0% QoQ
|
+1.02% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
65.60%
-5.1% YoY
+0.3% QoQ
|
-2.13% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.05%
-81.0% YoY
-93.7% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
79.74%
-8.9% YoY
-6.7% QoQ
|
+5.22% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
6.03%
-12.1% YoY
-0.5% QoQ
|
-16.37% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-25.0% YoY
-79.5% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
11.78%
+2.9% YoY
+2.7% QoQ
|
+2.92% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.75%
+22.1% YoY
+22.3% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.03%
(Tier avg: 22.39%, National avg: 21.79%)
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
88
88th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
71
71th pctile
Total Loans
Current: $188.8M · Tier avg: $139.2M
68
68th pctile
Total Deposits
Current: $236.8M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $270.4M · Tier avg: $217.5M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.60% · Tier avg: 67.73%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.74% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.03% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.03% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.74% · Tier avg: 74.53%
51
51th pctile
Efficiency Ratio
Current: 65.60% · Tier avg: 67.73%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 8.85%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
66
66th pctile
Total Assets
Current: $270.4M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $236.8M · Tier avg: $183.7M
71
71th pctile
Total Loans
Current: $188.8M · Tier avg: $139.2M
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%