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Three Rivers Bank Of Montana
Kalispell, MT · FDIC Certificate #21557 · Chartered 05/0
Total assets
$293.09M
Total deposits
$257.91M
Total equity
$33.73M
Net loans
$245.06M
Branches (offices)
3
Net income (YTD)
$2.13M
Rank: #2,509 of 4,213 U.S. banks by assets · #14 of 35 in Montana. Assets changed -8.4% and deposits -4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 12.86% |
| Net interest margin (YTD) | 5.27% |
| Equity to assets | 11.51% |
| Tier 1 leverage ratio | 11.72% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 0.93% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 95.0% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $209.50M | 85.5% | |
| Commercial & industrial | $28.14M | 11.5% | |
| Consumer / individual | $4.79M | 2.0% | |
| Construction & development | $29.56M | 12.1% | |
| Agricultural | $5.14M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $273.71M | $249.65M | $1.47M | $22.89M |
| Jun 2023 | $299.25M | $272.02M | $2.06M | $25.92M |
| Jun 2024 | $322.42M | $265.22M | $330.00K | $27.91M |
| Jun 2025 | $319.83M | $269.39M | $1.17M | $31.00M |
| Jun 2026 | $293.09M | $257.91M | $2.13M | $33.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $257.91M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $257.91M.
Similar-sized banks
Security First Bank Of North Dakota ($293.16M) · Charter Bank ($292.35M)
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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