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Opportunity Bank Of Montana
Helena, MT · FDIC Certificate #30182 · Chartered 01/0
Total assets
$2.12B
Total deposits
$1.81B
Total equity
$248.82M
Net loans
$1.56B
Branches (offices)
30
Net income (YTD)
$8.97M
Rank: #579 of 4,213 U.S. banks by assets · #4 of 35 in Montana. Assets changed -0.6% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 7.28% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 10.93% |
| Uninsured deposits (share of deposits) | 19.9% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 80.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.25B | 80.6% | |
| Commercial & industrial | $149.95M | 9.6% | |
| Consumer / individual | $21.26M | 1.4% | |
| Construction & development | $144.72M | 9.3% | |
| Agricultural | $136.92M | 8.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.87B | $1.66B | $7.31M | $201.30M |
| Jun 2023 | $2.02B | $1.59B | $6.63M | $209.31M |
| Jun 2024 | $2.10B | $1.63B | $4.91M | $222.02M |
| Jun 2025 | $2.13B | $1.75B | $7.86M | $235.11M |
| Jun 2026 | $2.12B | $1.81B | $8.97M | $248.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $1.81B | 30 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.81B.
Similar-sized banks
Oakworth Capital Bank ($2.13B) · The First National Bank In Sioux Falls ($2.12B)
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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