BlastPoint's Banking Scorecard
Bank of Montana
Micro
Specialty: Other
MT
FDIC cert 58482
Designations: ✓ Community bank
Missoula, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Bank of Montana shows strong momentum with 8 strengths and 12.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.53% above tier
- + Efficiency Ratio 37.99% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 44.32% below tier
- + Non-Interest-Bearing Deposit Share 31.37% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 28.65% above tier
- + Non-Interest Income / Assets 0.61% above 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 ? |
$285.1M
+12.6% YoY
-13.9% QoQ
|
+$67.6M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$76.9M
-15.4% YoY
-0.1% QoQ
|
-$62.3M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$254.5M
+12.8% YoY
-15.5% QoQ
|
+$70.9M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
3.61%
-50.2% YoY
-10.7% QoQ
|
+2.53% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.10%
-22.4% YoY
+1.5% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
29.73%
-0.9% YoY
+41.1% QoQ
|
-37.99% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
30.20%
-25.0% YoY
+18.2% QoQ
|
-44.32% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
53.76%
+4.8% YoY
-2.9% QoQ
|
+31.37% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
37.50%
+31.1% YoY
+5.1% QoQ
|
+28.65% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
1.17%
-80.7% YoY
+48.0% QoQ
|
+0.61% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (8)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.61%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
29.73%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
30.20%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
53.76%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
37.50%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.17%
(Tier avg: 0.56%, National avg: 0.65%)
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%
99
99th pctile
Efficiency Ratio
Current: 29.73% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.61% · Tier avg: 1.08%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.50% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 53.76% · Tier avg: 22.39%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.20% · Tier avg: 74.53%
94
94th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.56%
72
72th pctile
Total Deposits
Current: $254.5M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $285.1M · Tier avg: $217.5M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
32
32th pctile
Total Loans
Current: $76.9M · Tier avg: $139.2M
Top Weaknesses
32
32th pctile
Total Loans
Current: $76.9M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
69
69th pctile
Total Assets
Current: $285.1M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $254.5M · Tier avg: $183.7M
94
94th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.56%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.20% · Tier avg: 74.53%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 53.76% · Tier avg: 22.39%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.50% · Tier avg: 8.85%
99
99th pctile
Return on Assets
Current: 3.61% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 29.73% · Tier avg: 67.73%
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%