Bank of Bozeman

875 Harmon Stream Boulevard
Bozeman, MT 59718

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57952
Date Established 2005
Assets $0.07 billion
Loans $0.05 billion
Deposits $0.06 billion
Capital $0.01 billion

Bank of Bozeman is an FDIC insured institution located in Bozeman, MT. It was founded in 2005 and has approximately $0.07 billion in assets.

For a more detailed analysis of Bank of Bozeman's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Bozeman’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Montana, Bank of Bozeman has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.79
Multifamily
Mortgages
4.62
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 25.55
Construction and Development Loans 15.04
Commercial Real Estate 30.20
Commercial and Industrial Loans 13.43
Farm Loans 2.67

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.55% $5,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM2.5K
0.08% $1,000 $10,000 Learn MoreShow Less
MM25K
0.15% $10,001 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Bozeman

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.680% 3.625% 0.50 $1,705 $1,141 Learn More

Note to Bank of Bozeman
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Branches

Bank of Bozeman branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank Of Bozeman Locations

Financial Details

Bank of Bozeman Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Bozeman. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Bozeman U.S. Bank Average
5.67% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Bank of Bozeman had $438,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,915,000 in equity and $811,000 in loans loss reserves. That gives it a Texas Ratio of 5.67%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Bozeman U.S. Bank Average
4.21% 8.39%

Bank of Bozeman has a Return on Equity of 4.21% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Bozeman U.S. Bank Average
9.95% 11.94%

Bank of Bozeman has a Capitalization of 9.95% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Bozeman Balance Sheet Analysis

As of June 30, 2017, Bank of Bozeman had assets of $69,498,000, loans of $53,653,000, and deposits of $62,323,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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