$2.09B
+0.2%y/y
Percentile by value75th percentileby value
FDIC
ASSETOB
Opportunity Bank of Montana
Helena, MontanaFDIC Cert #30182
STATEEstablished 192230 branches
Holding company: EAGLE BCORP MONTANA INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportOpportunity Bank of Montana reported $2.09B in total assets. Deposits grew 5.91% over the prior year.
Return on assets was 0.88%, compared with an asset-peer median of 1.16%. The leverage ratio was 10.85%.
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.8B
+5.9%y/y
Percentile by value77th percentileby value
FDIC
DEP$1.51B
−0.1%y/y
Percentile by value76th percentileby value
FDIC
LNLSNET0.88%
+13 bpsy/y
Peer standing28th percentile
FDIC
NETINC + ROA73.10%
−296 bpsy/y
Peer standing21st percentile
FDIC
NONIX + NIM + NONII + EEFFR10.85%
+56 bpsy/y
Peer standing57th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.35B | $1.15B |
| Q3 2021 | $1.4B | $1.2B |
| Q4 2021 | $1.43B | $1.23B |
| Q1 2022 | $1.46B | $1.27B |
| Q2 2022 | $1.87B | $1.66B |
| Q3 2022 | $1.91B | $1.68B |
| Q4 2022 | $1.94B | $1.65B |
| Q1 2023 | $1.98B | $1.62B |
| Q2 2023 | $2.02B | $1.59B |
| Q3 2023 | $2.06B | $1.62B |
| Q4 2023 | $2.07B | $1.65B |
| Q1 2024 | $2.07B | $1.65B |
| Q2 2024 | $2.1B | $1.63B |
| Q3 2024 | $2.14B | $1.66B |
| Q4 2024 | $2.1B | $1.7B |
| Q1 2025 | $2.09B | $1.7B |
| Q2 2025 | $2.13B | $1.75B |
| Q3 2025 | $2.12B | $1.77B |
| Q4 2025 | $2.1B | $1.81B |
| Q1 2026 | $2.09B | $1.8B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $182M |
| Investor CRE | $376M |
| Multifamily | $110M |
| Construction | $142M |
| 1–4 family | $264M |
| C&I | $140M |
| Agriculture | $281M |
| Other | $34.8M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.88%28th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE7.54%24th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.30%82nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.10%21st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+5.91%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−0.08%15th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.36%62nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.85%57th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.01%84th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC257%65th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.88%9th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.89%Median 1.37%90th 2.59%Observations 35
ROE
FDIC
NETINC + ROE7.54%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.05%Median 13.69%90th 22.11%Observations 35
NIM
FDIC
NIM + NIMY4.30%62nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 4.12%90th 5.03%Observations 35
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR73.10%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.48%Median 56.50%90th 74.20%Observations 35
Deposits YoY
FDIC
DEP+5.91%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.59%Median +6.71%90th +13.73%Observations 35
Loans YoY
FDIC
LNLSNET−0.08%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.80%Median +4.29%90th +15.08%Observations 34
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.36%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.72%90th 3.10%Observations 34
Leverage
FDIC
RBC1AAJ10.85%59th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.24%Median 10.21%90th 15.10%Observations 35
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.01%79th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.26%90th 2.87%Observations 35
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC257%85th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 27%Median 163%90th 265%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 30 branches
- Headquarters
- Helena, MT
FDIC
OFFDOMOpen the Montana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data