Opportunity Bank of Montana

1400 Prospect Avenue
Helena, MT 59601

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30182
Date Established 1922
Assets $1.00 billion
Loans $0.77 billion
Deposits $0.75 billion
Capital $0.13 billion

Opportunity Bank of Montana is an FDIC insured institution located in Helena, MT. It was founded in 1922 and has approximately $1 billion in assets. Customers can open an account at one of its 17 branches.

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

Deposit Rates - October 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.08% $1 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.11% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.15% $1 $24,999 Learn MoreShow Less
Premium Money Market Account
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.20% $500 - Learn MoreShow Less
Special: 5 Mo CD
1.76% $500 - Learn MoreShow Less
6 Mo CD
0.40% $500 - Learn MoreShow Less
Special: 11 Mo CD
2.00% $500 - Learn MoreShow Less
12 Mo CD
0.65% $500 - Learn MoreShow Less
18 Mo CD
0.65% $500 - Learn MoreShow Less
24 Mo CD
0.80% $500 - Learn MoreShow Less
30 Mo CD
0.80% $500 - Learn MoreShow Less
36 Mo CD
0.95% $500 - Learn MoreShow Less
48 Mo CD
1.15% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.65% $50 $19,999 Learn MoreShow Less
Special: 5 Mo FIRA
1.76% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
2.00% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1,000 - Learn MoreShow Less

Loan Rates - October 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Opportunity Bank of Montana

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
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.515% 3.500% 0.25 $478 $1,123 Learn More
First Internet Bank
NMLS ID: 424182
3.662% 3.625% 0.50 $1,122 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Opportunity Bank of Montana
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Branches

Opportunity 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


Opportunity Bank of Montana Locations


Financial Details

Opportunity Bank of Montana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Opportunity 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
Opportunity Bank of Montana U.S. Bank Average
2.85% 6.77%

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 June 30, 2019, Opportunity Bank of Montana had $3,755,000 in non-current loans and $91,000 in owned real estate. To cover these potential losses it had $127,234,000 in equity and $7,750,000 in loans loss reserves. That gives it a Texas Ratio of 2.85%.

Return on Equity
Opportunity Bank of Montana U.S. Bank Average
9.69% 9.50%

Opportunity Bank of Montana has a Return on Equity of 9.69% versus the BestCashCow average of 9.50%. 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
Opportunity Bank of Montana U.S. Bank Average
12.75% 12.76%

Opportunity Bank of Montana has a Capitalization of 12.75% versus the BestCashCow average of 12.76. 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.

Opportunity Bank of Montana Balance Sheet Analysis

As of June 30, 2019, Opportunity Bank of Montana had assets of $997,919,000, loans of $768,444,000, and deposits of $748,433,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.77 billion
Loan loss allowance $0.01 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 $0.03 billion
All other assets $0.04 billion
     Total Assets $0.87 billion
LIABILITIES
Total deposits $0.75 billion
      Interest-bearing deposits $0.57 billion
      Deposits held in domestic offices $0.75 billion
      % insured (estimated) 87.96%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.11 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $0.87 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

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

Compared to other banks in Montana, Opportunity Bank of Montana has a significantly higher percent of Multifamily Mortgages 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 25.26
Multifamily
Mortgages
5.66
Credit Card Loans 0.00
Consumer Auto Loans 1.29
Small Business Loans 16.07
Construction and Development Loans 10.45
Commercial Real Estate 35.38
Commercial and Industrial Loans 9.61
Farm Loans 6.12

Frequently Asked Questions About Opportunity Bank Of Montana

Branches and Savings

Is Opportunity Bank Of Montana FDIC insured?

Yes. It is covered under FDIC Certificate #30182.

Why does Opportunity 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 Opportunity Bank Of Montana CD rates not competitive?

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

Is Opportunity Bank Of Montana a commercial bank?

Yes

Where are Opportunity Bank Of Montana locations?

See branch locations nearby.

Is Opportunity Bank Of Montana open on Saturdays?

Is Opportunity Bank Of Montana open on Sundays?

What time does Opportunity Bank Of Montana open?

What time does Opportunity Bank Of Montana close?

Are Opportunity Bank Of Montana ATMs Open 24/7?

Do Opportunity Bank Of Montana ATMs accept cash deposits?

Can Opportunity Bank Of Montana customers use other ATMs?

Do Opportunity Bank Of Montana branches have notaries?

Will Opportunity Bank Of Montana notarize my document?

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

Will the Opportunity Bank Of Montana branch print checks?

Do Opportunity Bank Of Montana checks expire?

Does Opportunity Bank Of Montana require US citizenship to open account?

Can Opportunity Bank Of Montana close my account?

Does Opportunity Bank Of Montana Report to credit bureaus?

Does Opportunity Bank Of Montana Use Equifax?

What is Opportunity Bank Of Montana's ACH Routing Number?

What is Opportunity Bank Of Montana's SWIFT code?

Products

Does Opportunity Bank Of Montana offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Opportunity Bank Of Montana offer personal loans?

Compare personal loan rates here.

Does Opportunity Bank Of Montana offer student loans?

Will Opportunity Bank Of Montana cash a check?

Will Opportunity Bank Of Montana redeem a savings bond?

Does Opportunity Bank Of Montana cash savings bonds?

Will Opportunity Bank Of Montana cash money orders?

Can Opportunity Bank Of Montana issue a money order?

Does Opportunity Bank Of Montana do currency exchange?

Background on The Bank

Who owns Opportunity Bank Of Montana?

How long has Opportunity Bank Of Montana been around?

Can Opportunity Bank Of Montana transfer to other banks?

Does Opportunity Bank Of Montana have quick pay?

Does Opportunity Bank Of Montana accept rolled coins?

Will Opportunity Bank Of Montana accept loose change?

Where is Opportunity Bank Of Montana headquarters?

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