BlastPoint's Banking Scorecard
Bank of Bozeman
Micro
Specialty: Commercial
MT
FDIC cert 57952
Designations: ✓ Community bank
Bozeman, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Bank of Bozeman demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
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 ? |
$98.7M
-0.7% YoY
-3.7% QoQ
|
-$118.7M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$77.0M
+4.2% YoY
+2.0% QoQ
|
-$62.2M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$86.9M
+4.8% YoY
-4.6% QoQ
|
-$96.7M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.74%
+85.3% YoY
+2.1% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
4.25%
+15.8% YoY
+2.1% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
79.21%
-9.2% YoY
-0.5% QoQ
|
+11.48% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
88.57%
-0.6% YoY
+6.9% QoQ
|
+14.04% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
20.50%
+3.1% YoY
-8.4% QoQ
|
-1.90% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.61%
+0.0% YoY
-1.1% QoQ
|
+3.75% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.44%
+22.3% YoY
+42.1% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.57% · Tier avg: 74.53%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.50% · Tier avg: 22.39%
32
32th pctile
Total Loans
Current: $77.0M · Tier avg: $139.2M
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
24
24th pctile
Total Deposits
Current: $86.9M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $98.7M · Tier avg: $217.5M
22
22th pctile
Efficiency Ratio
Current: 79.21% · Tier avg: 67.73%
Top Weaknesses
22
22th pctile
Efficiency Ratio
Current: 79.21% · Tier avg: 67.73%
22
22th pctile
Total Assets
Current: $98.7M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.9M · Tier avg: $183.7M
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
32
32th pctile
Total Loans
Current: $77.0M · Tier avg: $139.2M
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.50% · Tier avg: 22.39%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 8.85%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.57% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%