BlastPoint's Banking Scorecard
Opportunity Bank of Montana
Community
Specialty: Commercial
MT
FDIC cert 30182
Helena, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
Opportunity Bank of Montana 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
- - Flatlined Growth: Bottom 26% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+0.2% YoY
-0.7% QoQ
|
+$712.2M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.5B
-0.5% YoY
-2.7% QoQ
|
+$533.6M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.8B
+6.3% YoY
+2.2% QoQ
|
+$642.7M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.83%
+40.6% YoY
+8.2% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
4.18%
+14.3% YoY
+1.8% QoQ
|
+0.51% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
73.49%
-7.9% YoY
-1.3% QoQ
|
+10.85% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.37%
+47.1% YoY
+40.4% QoQ
|
-0.26% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
83.50%
-6.4% YoY
-4.7% QoQ
|
+0.44% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
25.44%
+1.2% YoY
+4.7% QoQ
|
+4.40% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.27%
+48.2% YoY
+36.8% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
13.15%
+5.9% YoY
+3.8% QoQ
|
+2.91% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.85%
+3.4% YoY
+37.9% QoQ
|
+0.11% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#64 of 245 · Bottom 26% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.83%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
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
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
76
76th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.44% · Tier avg: 21.05%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.50% · Tier avg: 83.06%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.49% · Tier avg: 62.63%
Top Weaknesses
20
20th pctile
Efficiency Ratio
Current: 73.49% · Tier avg: 62.63%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.50% · Tier avg: 83.06%
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.44% · Tier avg: 21.05%
76
76th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.66%
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B