# BANK OF MONTANA
MISSOULA, MT · FDIC certificate 58482 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $308.6M | |
| Deposits | $278.9M | |
| Loans and leases | $76.4M | |
| Total equity | $29.6M | |
| Loans / deposits | 27.25% (p1 of band) | 82.04% |
| Liquid assets / assets | 73.95% (p99 of band) | |
| Uninsured deposits / deposits | 58.34% (p97 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.89% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -0.05% (p96 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 3.26% (p98 of band) | 1.28% |
| Net interest margin | 3.45% (p25 of band) | 3.91% |
| Efficiency ratio | 26.25% (p1 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 35% | |
| Construction % of loans | 11.36% (p16 of band) | |
| Auto loans | $58,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 1 | loans exceed deposits | wholesale funding >15% |
| 2011-12 | 0 |  | loans exceed deposits |
| 2012-03 | 2 | loans exceed deposits, capital falling |  |
| 2012-06 | 1 |  | loans exceed deposits |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2013-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2013-12 | 1 | liquid assets <10% | capital falling |
| 2014-03 | 0 |  | liquid assets <10% |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 3 | capital falling, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | loans exceed deposits, deposits shrinking |  |
| 2019-09 | 0 |  | loans exceed deposits, deposits shrinking |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | uninsured deposits >50% |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, NIM <2.5% |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2026-02-02 [Butte bank officially acquired by Idaho-based credit union - NBC Montana](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN19aN1hQTE1uWnBRcXJiN3gtLU96OFhjcWU0cE1UbGc0cHhtN0FXVzNjanFrUmUxWHNySUtpb0ZHRlJJdUhjcGc2UEJMYjRRLVBsTklLd0JtVFhHTjJqd1RVMkpWYWdVYXZvbzlENE5kOGRRSjY4S0JGTVIyR3BTUjlsNFNZZHdsSUE4clQwcnFoV3QyMGg0?oc=5) · NBC Montana
- 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
- 2025-01-13 [Glacier Bancorp buys Bank of Idaho, folds it into Mountain West, others - BoiseDev](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5RM2pRQXh2OGh6OE1hLXpzRmNLNEVHU1BqZUJSdUhsZVI2cWFFYUltdDR5aTBqV3BHWFoyQTJjaGdYOVFsVVJWSVBuemZ6QlNXcDFndUNoWjQwNEt1c0FTLW9fT3Izd3M?oc=5) · BoiseDev
- 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
- 2023-08-09 [Wheatland Bank to Join the Glacier Family of Banks - Lake Chelan Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxORHBHUVhKdmprQWRrRjFqV3IzY0RPbWp1andjcUNQVjItekNFQzR0azlwRDZwbkdlbnhnNldOZ1JnLWYxaFJ3Z0ZjNXZoeGJ4S0dfd19EWDVpdzNoY3gtVE5aOWpCaVg5TWExMEZhWjVOZm55U3pRVjExS2ZjaXNuLV9nMA?oc=5) · Lake Chelan Now
- 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
- 2025-01-13 [Citizens Community Bank's holding company to acquire Bank of Idaho - Idaho State Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPazJSWVFyWTdaV2dseWdsbndNSDViVTNMazFUQWNTVnQybkFpbWVpaFgxWEFFamstcFdSZllmNGhaS3U2cXhmR0JfUkFRVEJObVd0QzAyZC1vZjJuWHQ5dVUzQ3dobERwZWlfUVFxNDhRMWpsd2tWVVJ1WXNfQ19OMmpWMHBFVkgwQUtYNFhnOEdPZENzRXRzU1FCa2JxX0Q4WkFFelpYdEhfOEM3RXVFVEdhZHI4T1RBNXMySFVoSy0zX2FzZVdtUTRNODNQc3U2NHJHQTB2TVFtVHNzMXM5TVhRR2QtaXZmODEyQ0hsSUJJUQ?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58482 (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/50.json (key "58482", 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