BlastPoint's Banking Scorecard
Bank of Bridger, National Association
Community
Specialty: Agricultural
MT
FDIC cert 2224
Bridger, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
Bank of Bridger, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.89% below tier
- + Tier 1 Capital Ratio 9.46% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50% in Community
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$798.8M
+3.1% YoY
-0.2% QoQ
|
-$592.6M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$367.0M
+6.2% YoY
-0.9% QoQ
|
-$608.5M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$703.5M
-2.2% YoY
-3.7% QoQ
|
-$461.1M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.72%
+23.6% YoY
+1.8% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.97%
+11.1% YoY
+1.5% QoQ
|
-0.70% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
65.60%
-7.9% YoY
+0.4% QoQ
|
+2.97% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.83%
-17.2% YoY
-5.1% QoQ
|
+0.20% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
52.17%
+8.6% YoY
+2.9% QoQ
|
-30.89% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.96%
-0.7% YoY
-0.4% QoQ
|
+1.92% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.38%
-24.1% YoY
-5.7% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
19.70%
+2.3% YoY
+1.8% QoQ
|
+9.46% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.13%
-12.9% YoY
+28.4% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
52.17%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.70%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Deposit Outflow
decline
#124 of 248 · Bottom 50% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, National avg: 0.65%)
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 52.17% · Tier avg: 83.06%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.70% · Tier avg: 10.24%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.96% · Tier avg: 21.05%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
39
39th pctile
Total Deposits
Current: $703.5M · Tier avg: $1.2B
39
39th pctile
Efficiency Ratio
Current: 65.60% · Tier avg: 62.63%
35
35th pctile
Total Assets
Current: $798.8M · Tier avg: $1.4B
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
21
21th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
10
10th pctile
Total Loans
Current: $367.0M · Tier avg: $975.5M
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
10
10th pctile
Total Loans
Current: $367.0M · Tier avg: $975.5M
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
21
21th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
35
35th pctile
Total Assets
Current: $798.8M · Tier avg: $1.4B
39
39th pctile
Efficiency Ratio
Current: 65.60% · Tier avg: 62.63%
39
39th pctile
Total Deposits
Current: $703.5M · Tier avg: $1.2B
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 22.96% · Tier avg: 21.05%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.70% · Tier avg: 10.24%
95
95th pctile
Loan-to-Deposit Ratio
Current: 52.17% · Tier avg: 83.06%