Beartooth Bank

4130 King Avenue West
Billings, MT 59106


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58199
Date Established 2006
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.04 billion
Capital $0.01 billion

Beartooth Bank is an FDIC insured institution located in Billings, MT. It was founded in 2006 and has approximately $0.05 billion in assets.

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

Compared to other banks in Montana, Beartooth Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.94
Credit Card Loans 0.00
Consumer Auto Loans 0.50
Small Business Loans 40.78
Construction and Development Loans 2.25
Commercial Real Estate 40.78
Commercial and Industrial Loans 16.52
Farm Loans 3.53

Deposit Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1,000 $9,999 Learn MoreShow Less
Money Market
0.19% $10,000 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 - Learn MoreShow Less
3 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
Special: 12 Mo CD
2.00% $1,000 - Learn MoreShow Less
18 Mo CD
1.35% $500 - Learn MoreShow Less
Special: 20 Mo CD
2.50% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $500 - Learn MoreShow Less
36 Mo CD
1.75% $500 - Learn MoreShow Less
48 Mo CD
2.00% $500 - Learn MoreShow Less
60 Mo CD
2.50% $500 - Learn MoreShow Less

Fixed IRA
1.25% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.00% $1,000 - Learn MoreShow Less
Special: 20 Mo FIRA
2.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.90% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.11% $1 $2,499 Learn MoreShow Less
0.15% $2,500 $24,999 Learn MoreShow Less

Loan Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Beartooth Bank

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More
First Internet Bank
NMLS ID: 424182
3.770% 3.750% 0.25 $600 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Beartooth Bank
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Financial Details

Beartooth Bank Ratio Analysis

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

Texas Ratio
Beartooth Bank 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, Beartooth Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,727,000 in equity and $780,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Beartooth Bank U.S. Bank Average
6.4% 8.80%

Beartooth Bank has a Return on Equity of 6.4% 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.

Beartooth Bank U.S. Bank Average
16.76% 12.29%

Beartooth Bank has a Capitalization of 16.76% 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.

Beartooth Bank Balance Sheet Analysis

As of December 31, 2018, Beartooth Bank had assets of $46,116,000, loans of $35,404,000, and deposits of $38,203,000. 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
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.04 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 $0.04 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 93.96%
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 $0.04 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
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 Beartooth Bank

Branches and Savings

Is Beartooth Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58199.

Why does Beartooth Bank pay such low interest on savings accounts?

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

Why are Beartooth Bank CD rates not competitive?

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

Is Beartooth Bank a commercial bank?


Where are Beartooth Bank locations?

See branch locations nearby.

Is Beartooth Bank open on Saturdays?

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What time does Beartooth Bank open?

What time does Beartooth Bank close?

Are Beartooth Bank ATMs Open 24/7?

Do Beartooth Bank ATMs accept cash deposits?

Can Beartooth Bank customers use other ATMs?

Do Beartooth Bank branches have notaries?

Will Beartooth Bank notarize my document?

What address for Beartooth Bank should I put for incoming ACH transfers?

Will the Beartooth Bank branch print checks?

Do Beartooth Bank checks expire?

Does Beartooth Bank require US citizenship to open account?

Can Beartooth Bank close my account?

Does Beartooth Bank Report to credit bureaus?

Does Beartooth Bank Use Equifax?

What is Beartooth Bank's ACH Routing Number?

What is Beartooth Bank's SWIFT code?


Does Beartooth Bank offer mortgages?

Compare mortgage rates here.

Does Beartooth Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Beartooth Bank offer personal loans?

Compare personal loan rates here.

Does Beartooth Bank offer student loans?

Will Beartooth Bank cash a check?

Will Beartooth Bank redeem a savings bond?

Does Beartooth Bank cash savings bonds?

Will Beartooth Bank cash money orders?

Can Beartooth Bank issue a money order?

Does Beartooth Bank do currency exchange?

Background on The Bank

Who owns Beartooth Bank?

How long has Beartooth Bank been around?

Can Beartooth Bank transfer to other banks?

Does Beartooth Bank have quick pay?

Does Beartooth Bank accept rolled coins?

Will Beartooth Bank accept loose change?

Where is Beartooth Bank headquarters?

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