# OPPORTUNITY BANK OF MONTANA
HELENA, MT · FDIC certificate 30182 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.12B | |
| Deposits | $1.81B | |
| Loans and leases | $1.57B | |
| Total equity | $248.8M | |
| Loans / deposits | 86.17% (p48 of band) | 87.10% |
| Liquid assets / assets | 14.80% (p22 of band) | |
| Uninsured deposits / deposits | 19.92% (p17 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.84% (p28 of band) | |
| FHLB advances / assets | 1.84% | |
| Tier 1 leverage | 10.93% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -7.29% (p52 of band) | -7.75% |
| AOCI / equity | -0.19% (p58 of band) | |
| ROA (annualized) | 0.85% (p21 of band) | 1.26% |
| Net interest margin | 4.32% (p82 of band) | 3.70% |
| Efficiency ratio | 73.97% (p86 of band) | |
| Noncurrent loans | 0.26% (p29 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 423.53% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 58.16% (p61 of band) | |
| Auto loans | $9.2M (0.58% of loans; DQ 1.57%, NCO 0.01%) | |
| Loans to nondepository financials | $6.7M (3% of equity) (p79 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 376 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | expense ratio p90 |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | expense ratio p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |  |
| 2017-09 | 0 |  | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 0 |  | loans exceed deposits |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | expense ratio p90 |  |
| 2021-09 | 1 | capital falling | expense ratio p90 |
| 2021-12 | 2 | expense ratio p90 |  |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | expense ratio p90, construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | capital falling, expense ratio p90 |
| 2023-06 | 1 | uninsured deposits leaving | construction >100% equity |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-01-12 [Laura ClarkClass A Director - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9jNmNMS0xpRGF1NXRmN0VyUkxyUEFQM3JTVklMdmc0aVp6dDFQV1BPZFo3YXFGMHlNLXp0T1U1V0RTanZlWGJnVEsyUEkwTWhUeXM4TnNXa3hJcTI5WFE?oc=5) · Federal Reserve Bank of Minneapolis
- 2015-01-10 [The Buzz: Opportunity Bank of Montana opens Great Falls - Great Falls Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOVTlrVEp0cFB3Vkl2YkN0YXk0blM5Y0dHR2JQQnNwZXBTMWVYNWNGWXB4ZHlKTEU0MFNlTkNNeFFYZ2tvV2xOa3AxWGEzenlzbGtEaWFUV0lvMW9vd0pQc0lsYUFsaEVjaWFxOFBqN2pMUHQ1NE1saVFCemh1Q3g0VTBxSVhaSjRzblczNzRNLXBDRm9zSWsyZk1YR1d2d3E1S09CWW5EVnZ5QmdYLW53YXBxa1NqWEgxc2dYQlRDREs?oc=5) · Great Falls Tribune
- 2022-06-01 [Opportunity Bank of Montana Acquires First Community Bank - The Glasgow Courier](https://news.google.com/rss/articles/CBMivgFBVV95cUxQcjJXZVJpdGk2V2hQYnNtd2R3OFNxMWtwWkt0ZUdsOFp1ZjVER2FEUWw0RWg0MDZKdHlRVExMd1ZRTllJOUduZ1dxUzJFcU1nLTB0d3lTRDJBSVZLS2pGZ21nSE1SYk0tQU51T0Q4d2dUeTlBWVN4T3lzcUlKWWlnYTJlSVlhdmU0V2Zia2JxZHJFWXF6MnJITklQZFRPTFpxcDFRVU9lUjJOZ2UtYm9jczFFR3lzVXVwUXo4OVNn?oc=5) · The Glasgow Courier
- 2021-02-22 [Opportunity Bank of Montana (MT) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYjdTOHZ3aWxrX3BmQzhFQ09qNFJsamJ6ME9RSkliODF4bnpSWmd3ZkNHOXJmZmVJaUFuOWxmRHZwS0l5YVhKSE5ySlpTeGkweEgtSlFrd2dCLTdXX0RGYnVBaVdMSkx1Y0luVjhRNVZCLU56Wm9QUTZvYWJGS0ZDeXdSeW1uMzFiX3ZDYWtUQzZLZw?oc=5) · SmartAsset
- 2025-04-10 [Helena man thankful after bank catches scam - KTVH](https://news.google.com/rss/articles/CBMieEFVX3lxTE1uOHRTVVBUVEdRQm5vX0J5TUY2Q1lGSjltekJpWi1ZVW1YcDNibEZ2Y1l0N01nak5tRDZWOUtLSjl3UDlka2RldmtDQUVWMk1ZV1ZzVFMxZjVvR3lDdXAwYW1IN1dBNTlCV0JUc0p3cUJ5MG5KbnNVMg?oc=5) · KTVH
- 2014-10-15 [American Federal Savings Bank becomes Opportunity Bank of Montana - The Independent Record](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPb04xUmVjZkFLS1BjRWlXdGU0YUJ2QkpxVTRmNGxDOE9LOFA4U1JpbXczNXNRbkFZOHgzVU5IMldMU0lYVFBVck1kUENHTlpBTEhCMmF5bnV6TnF4NV9uajV4Rkw3alUtLUJsb2JPZXQxNEJGRl9DbVdEeEprVWNPRzJjb3RtNlpv?oc=5) · The Independent Record
- 2021-08-16 [Banks are competing to help the Great Falls Community Food Bank - KRTV](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNVFWaFRycTZtTXVsZS1UUG1UWlRnVDBKY1ZIYnNxd1BMSTljelF2MUNsS24wcHJoSHktTl9wUDVuNC1na1dqZlNOWWJSeVl5U1k3UXFQQTAtSS1KeTk3dXhxOGw4ak1EQ2FFdWllQ1A3bnFFZEEzN0ZoaU50TnhwMnBBbjJwRFhGS2JmTE5LX2E4VjAxNTBDZ3NB?oc=5) · KRTV
- 2016-07-31 [Tyler Emmert: Helena Market President, Opportunity Bank of Montana - The Independent Record](https://news.google.com/rss/articles/CBMiekFVX3lxTE1EQllMMlBud3RsU1luMGlLQVM1a3hkREZvUWF6QTJkb2R5WjhDMmU2aDVqZkhkRl9MZVJxaFkyNmp6WnQ0NGZWNlRWMXg2OGFBd2t4U050RnlUd2JweDF4Z2lwWXFENi1UeUpQaUpnSVZGb3V4UXU2al9B?oc=5) · The Independent Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30182 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "30182", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide