Stockman Bank of Montana

Headquarters

700 Main Street
Miles City, MT 59301
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Stockman Bank of Montana is an FDIC insured institution located in Miles City, MT. It was founded in 1944 and has approximately $5.02 billion in assets. Customers can open an account at one of its 37 branches.

FDIC Insured Yes
FDIC Certificate # 16191
Date Established 1944
Assets $ 5.02 billion
Loans $ 2.74 billion
Deposits $ 4.17 billion
Capital $ 478.54 million
 

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

Deposit Rates - July 24, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - July 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Stockman 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 Stockman Bank of Montana
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Branches

Stockman 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:
Fairfield,Connecticut


Stockman Bank of Montana Locations


Financial Details

Stockman Bank of Montana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Stockman 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
Stockman Bank of Montana U.S. Bank Average
3.24% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, Stockman Bank of Montana had $17,512,000 in non-current loans and $33,000 in owned real estate. To cover these potential losses it had $478,540,000 in equity and $63,548,000 in loans loss reserves. That gives it a Texas Ratio of 3.24%.

Return on Equity
Stockman Bank of Montana U.S. Bank Average
21.15% 11.43%

Stockman Bank of Montana has a Return on Equity of 21.15% versus the BestCashCow average of 11.43%. 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
Stockman Bank of Montana U.S. Bank Average
9.53% 11.51%

Stockman Bank of Montana has a Capitalization of 9.53% versus the BestCashCow average of 11.51. 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.

Stockman Bank of Montana Balance Sheet Analysis

As of March 31, 2021, Stockman Bank of Montana had assets of $5,018,947,000, loans of $2,738,267,000, and deposits of $4,173,186,000. 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

March 31, 2021
ASSETS
Cash & Balances due from depository institutions $ 132.94 million
Interest-bearing balances $ 94.17 million
Total securities $ 1,849.23 million
Federal funds sold and reverse repurchase $ 0.29 million
Net loans and leases $ 2.74 billion
Loan loss allowance $ 63.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.03 million
Goodwill and other intangibles $ 21.80 million
All other assets $ 124.31 million
     Total Assets $ 4.54 billion
LIABILITIES
Total deposits $ 4.17 billion
      Interest-bearing deposits $ 2.81 billion
      Deposits held in domestic offices $ 4.17 billion
      % insured (estimated) 71.45%
Federal funds purchased and repurchase agreements $ 144.00 million
Trading liabilities N.A.
Other borrowed funds $ 206.93 million
Subordinated debt N.A.
All other liabilities $ 16.30 million
      Total Liabilities $ 4.54 billion
      Shareholders’ Equity $ 478.54 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 38.93 million
Total Interest Expense $ 3.35 million
Net interest income $ 35.58 million
Provision for loan and lease losses $ 1.00 million
Total non interest income $ 14.39 million
Total non interest expense $ 24.41 million
Pre-tax Net Operating Income $ 24.56 million

Bank Loan Profile?

The top three loan types in Stockman Bank of Montana’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Montana, Stockman Bank of Montana has a significantly higher percent of Multifamily Mortgages, Small Business 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 11.97
Multifamily
Mortgages
4.76
Credit Card Loans 0.00
Consumer Auto Loans 0.30
Small Business Loans 10.66
Construction and Development Loans 12.01
Commercial Real Estate 32.75
Commercial and Industrial Loans 12.98
Farm Loans 9.46

Frequently Asked Questions About Stockman Bank Of Montana

Branches and Savings

Is Stockman Bank Of Montana FDIC insured?

Yes. It is covered under FDIC Certificate #16191.

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

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

Is Stockman Bank Of Montana a commercial bank?

Yes

Where are Stockman Bank Of Montana locations?

See branch locations nearby.

Is Stockman Bank Of Montana open on Saturdays?

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What time does Stockman Bank Of Montana open?

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Are Stockman Bank Of Montana ATMs Open 24/7?

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Can Stockman Bank Of Montana customers use other ATMs?

Do Stockman Bank Of Montana branches have notaries?

Will Stockman Bank Of Montana notarize my document?

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

Will the Stockman Bank Of Montana branch print checks?

Do Stockman Bank Of Montana checks expire?

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

Can Stockman Bank Of Montana close my account?

Does Stockman Bank Of Montana Report to credit bureaus?

Does Stockman Bank Of Montana Use Equifax?

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Products

Does Stockman Bank Of Montana offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Stockman Bank Of Montana offer personal loans?

Compare personal loan rates here.

Does Stockman Bank Of Montana offer student loans?

Will Stockman Bank Of Montana cash a check?

Will Stockman Bank Of Montana redeem a savings bond?

Does Stockman Bank Of Montana cash savings bonds?

Will Stockman Bank Of Montana cash money orders?

Can Stockman Bank Of Montana issue a money order?

Does Stockman Bank Of Montana do currency exchange?

Background on The Bank

Who owns Stockman Bank Of Montana?

How long has Stockman Bank Of Montana been around?

Can Stockman Bank Of Montana transfer to other banks?

Does Stockman Bank Of Montana have quick pay?

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Will Stockman Bank Of Montana accept loose change?

Where is Stockman Bank Of Montana headquarters?

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