BlastPoint's Banking Scorecard
First Montana Bank, Inc.
Community
Specialty: Commercial
MT
FDIC cert 363
Missoula, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
First Montana Bank, Inc. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 8% in Community
- - Flatlined Growth: Bottom 21% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$564.4M
-0.2% YoY
+0.3% QoQ
|
-$827.1M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$320.0M
-4.0% YoY
-1.5% QoQ
|
-$655.5M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$446.5M
+4.4% YoY
-0.1% QoQ
|
-$718.1M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.80%
-19.4% YoY
+3.7% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.35%
+10.5% YoY
+1.6% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
68.35%
+7.5% YoY
-0.4% QoQ
|
+5.72% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.18%
-13.9% YoY
-13.0% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
71.66%
-8.1% YoY
-1.4% QoQ
|
-11.40% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
29.28%
-1.0% YoY
-1.4% QoQ
|
+8.24% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.10%
-17.1% YoY
-14.6% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
15.41%
+8.0% YoY
+2.0% QoQ
|
+5.16% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.39%
-57.3% YoY
+34.1% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Margin Compression
decline
#11 of 120 · Bottom 8% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.80%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Flatlined Growth
risk
#53 of 245 · Bottom 21% 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:
0.80%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.28% · Tier avg: 21.05%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.41% · Tier avg: 10.24%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
31
31th pctile
Efficiency Ratio
Current: 68.35% · Tier avg: 62.63%
25
25th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
22
22th pctile
Loan-to-Deposit Ratio
Current: 71.66% · Tier avg: 83.06%
10
10th pctile
Total Assets
Current: $564.4M · Tier avg: $1.4B
6
6th pctile
Total Loans
Current: $320.0M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $446.5M · Tier avg: $1.2B
Top Weaknesses
5
5th pctile
Total Deposits
Current: $446.5M · Tier avg: $1.2B
6
6th pctile
Total Loans
Current: $320.0M · Tier avg: $975.5M
10
10th pctile
Total Assets
Current: $564.4M · Tier avg: $1.4B
22
22th pctile
Loan-to-Deposit Ratio
Current: 71.66% · Tier avg: 83.06%
25
25th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 68.35% · Tier avg: 62.63%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.41% · Tier avg: 10.24%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.28% · Tier avg: 21.05%