Bank of Montana

125 Bank Street, Suite 100
Missoula, MT 59802

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58482
Date Established 2007
Assets $0.09 billion
Loans $0.06 billion
Deposits $0.08 billion
Capital $0.01 billion

Bank of Montana is an FDIC insured institution located in Missoula, MT. It was founded in 2007 and has approximately $0.09 billion in assets.

For a more detailed analysis of Bank of Montana'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 Montana’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Montana, Bank of Montana has a significantly higher percent of Multifamily Mortgages, Commercial and Industrial 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 16.84
Multifamily
Mortgages
5.94
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 14.06
Construction and Development Loans 4.88
Commercial Real Estate 29.74
Commercial and Industrial Loans 34.58
Farm Loans 0.00

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Montana, but see these great savings and CD rates:

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Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Montana

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

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Note to Bank of Montana
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Branches

Bank of Montana 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 Montana Locations


Financial Details

Bank of Montana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Montana. 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 Montana U.S. Bank Average
0% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Bank of Montana had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,586,000 in equity and $816,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Montana U.S. Bank Average
35.39% 8.80%

Bank of Montana has a Return on Equity of 35.39% versus the BestCashCow average of 8.80%. 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 Montana U.S. Bank Average
12.23% 12.29%

Bank of Montana has a Capitalization of 12.23% versus the BestCashCow average of 12.29. 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 Montana Balance Sheet Analysis

As of December 31, 2018, Bank of Montana had assets of $86,550,000, loans of $64,465,000, and deposits of $75,646,000. 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.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
LIABILITIES
Total deposits $0.08 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 59.52%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.08 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Montana

Branches and Savings

Is Bank Of Montana FDIC insured?

Yes. It is covered under FDIC Certificate #58482.

Why does Bank Of Montana pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Montana CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Montana a commercial bank?

Yes

Where are Bank Of Montana locations?

See branch locations nearby.

Is Bank Of Montana open on Saturdays?

Is Bank Of Montana open on Sundays?

What time does Bank Of Montana open?

What time does Bank Of Montana close?

Are Bank Of Montana ATMs Open 24/7?

Do Bank Of Montana ATMs accept cash deposits?

Can Bank Of Montana customers use other ATMs?

Do Bank Of Montana branches have notaries?

Will Bank Of Montana notarize my document?

What address for Bank Of Montana should I put for incoming ACH transfers?

Will the Bank Of Montana branch print checks?

Do Bank Of Montana checks expire?

Does Bank Of Montana require US citizenship to open account?

Can Bank Of Montana close my account?

Does Bank Of Montana Report to credit bureaus?

Does Bank Of Montana Use Equifax?

What is Bank Of Montana's ACH Routing Number?

What is Bank Of Montana's SWIFT code?

Products

Does Bank Of Montana offer mortgages?

Compare mortgage rates here.

Does Bank Of Montana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Montana offer personal loans?

Compare personal loan rates here.

Does Bank Of Montana offer student loans?

Will Bank Of Montana cash a check?

Will Bank Of Montana redeem a savings bond?

Does Bank Of Montana cash savings bonds?

Will Bank Of Montana cash money orders?

Can Bank Of Montana issue a money order?

Does Bank Of Montana do currency exchange?

Background on The Bank

Who owns Bank Of Montana?

How long has Bank Of Montana been around?

Can Bank Of Montana transfer to other banks?

Does Bank Of Montana have quick pay?

Does Bank Of Montana accept rolled coins?

Will Bank Of Montana accept loose change?

Where is Bank Of Montana headquarters?

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