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First Montana Bank, Inc.
Missoula, MT · FDIC Certificate #363 · Chartered 01/0
Total assets
$530.27M
Total deposits
$437.88M
Total equity
$52.40M
Net loans
$318.43M
Branches (offices)
10
Net income (YTD)
$2.90M
Rank: #1,716 of 4,213 U.S. banks by assets · #11 of 35 in Montana. Assets changed -3.9% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 11.22% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 9.88% |
| Tier 1 leverage ratio | 10.15% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 72.7% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $269.91M | 84.8% | |
| Commercial & industrial | $41.72M | 13.1% | |
| Consumer / individual | $9.78M | 3.1% | |
| Construction & development | $23.06M | 7.2% | |
| Agricultural | $297.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $509.40M | $444.12M | $2.50M | $39.71M |
| Jun 2023 | $567.13M | $424.77M | $3.29M | $43.03M |
| Jun 2024 | $564.20M | $426.74M | $1.90M | $44.89M |
| Jun 2025 | $551.67M | $435.42M | $2.17M | $49.04M |
| Jun 2026 | $530.27M | $437.88M | $2.90M | $52.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $437.88M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $437.88M.
Similar-sized banks
Citizens Community Bank ($531.04M) · The Berkshire Bank ($529.98M)
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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