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Bank Of The Rockies
Helena, MT · FDIC Certificate #2205 · Chartered 08/0
Total assets
$277.45M
Total deposits
$229.50M
Total equity
$26.11M
Net loans
$210.90M
Branches (offices)
7
Net income (YTD)
$2.71M
Rank: #2,578 of 4,213 U.S. banks by assets · #16 of 35 in Montana. Assets changed 6.3% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 21.27% |
| Net interest margin (YTD) | 4.94% |
| Equity to assets | 9.41% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 91.9% |
| Real estate loans (share of loans) | 75.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $159.80M | 75.8% | |
| Commercial & industrial | $38.29M | 18.2% | |
| Consumer / individual | $3.01M | 1.4% | |
| Construction & development | $18.94M | 9.0% | |
| Agricultural | $11.69M | 5.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $245.75M | $223.79M | $1.39M | $21.31M |
| Jun 2023 | $244.90M | $196.41M | $2.46M | $23.61M |
| Jun 2024 | $252.17M | $202.67M | $1.70M | $23.56M |
| Jun 2025 | $261.12M | $221.52M | $2.00M | $24.45M |
| Jun 2026 | $277.45M | $229.50M | $2.71M | $26.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $229.50M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $229.50M.
Similar-sized banks
Incommons Bank, N.A. ($277.62M) · Dewitt Bank & Trust Co. ($277.34M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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