Garfield County Bank

Jordan, MontanaFDIC Cert #18164

STATEEstablished 19602 branches

Holding company: GARFIELD COUNTY BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$0
Investor CRE	$5.43M
Multifamily	$0
Construction	$0
1–4 family	$2.5M
C&I	$4.95M
Agriculture	$31.9M
Other	$2.5M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$47.2M

−5.7%y/y

Percentile by value74th percentileby value

FDICLNLSGR

Net loans

$46.5M

−5.2%y/y

Percentile by value74th percentileby value

FDICLNLSNET

Loans YoY

−5.22%

−402.0%y/y

Percentile by value17th percentileby value

FDICLNLSNET

L/D

56.7%

−13.1%y/y

Percentile by value37th percentileby value

FDICLNLSNET + DEP

Loans/assets

46.9%

−12.8%y/y

Percentile by value40th percentileby value

FDICLNLSNET + ASSET

RE loans %

40.10%

+2.0%y/y

Percentile by value14th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,761points

−3.4%y/y

Peer standing47th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

11.50%

+6.6%y/y

Percentile by value81st percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.49%

+14.4%y/y

Percentile by value57th percentileby value

FDICLNCI + LNLSGR