Three Rivers Bank of Montana

233 East Idaho
Kalispell, MT 59901

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 21557
Date Established 1974
Assets $0.14 billion
Loans $0.10 billion
Deposits $0.12 billion
Capital $0.02 billion

Three Rivers Bank of Montana is an FDIC insured institution located in Kalispell, MT. It was founded in 1974 and has approximately $0.14 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Three Rivers 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 Three Rivers 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, Three Rivers Bank of Montana has a significantly higher percent of Credit Card Loans, Small Business Loans, Construction and Development Loans, 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 15.85
Multifamily
Mortgages
0.77
Credit Card Loans 0.83
Consumer Auto Loans 1.29
Small Business Loans 16.98
Construction and Development Loans 19.14
Commercial Real Estate 35.31
Commercial and Industrial Loans 22.08
Farm Loans 2.69

Deposit Rates - September 21, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.55% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.77% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.31% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.31% $25,000 $49,999 Learn MoreShow Less

Loan Rates - September 21, 2018

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Three Rivers 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


Three Rivers Bank of Montana Locations

Financial Details

Three Rivers Bank of Montana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Three Rivers 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
Three Rivers Bank of Montana U.S. Bank Average
0.04% 7.92%

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 March 31, 2018, Three Rivers Bank of Montana had $8,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,228,000 in equity and $1,201,000 in loans loss reserves. That gives it a Texas Ratio of 0.04%.

Return on Equity
Three Rivers Bank of Montana U.S. Bank Average
8.41% 9.35%

Three Rivers Bank of Montana has a Return on Equity of 8.41% versus the BestCashCow average of 9.35%. 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
Three Rivers Bank of Montana U.S. Bank Average
12.66% 12.01%

Three Rivers Bank of Montana has a Capitalization of 12.66% versus the BestCashCow average of 12.01. 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.

Three Rivers Bank of Montana Balance Sheet Analysis

As of March 31, 2018, Three Rivers Bank of Montana had assets of $143,989,000, loans of $103,869,000, and deposits of $122,742,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 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 $0.13 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 80.40%
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 $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

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 Three Rivers Bank Of Montana

Branches and Savings

Is Three Rivers Bank Of Montana FDIC insured?

Yes. It is covered under FDIC Certificate #21557.

Why does Three Rivers 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 Three Rivers Bank Of Montana CD rates not competitive?

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

Is Three Rivers Bank Of Montana a commercial bank?

Yes

Where are Three Rivers Bank Of Montana locations?

See branch locations nearby.

Is Three Rivers Bank Of Montana open on Saturdays?

Is Three Rivers Bank Of Montana open on Sundays?

What time does Three Rivers Bank Of Montana open?

What time does Three Rivers Bank Of Montana close?

Are Three Rivers Bank Of Montana ATMs Open 24/7?

Do Three Rivers Bank Of Montana ATMs accept cash deposits?

Can Three Rivers Bank Of Montana customers use other ATMs?

Do Three Rivers Bank Of Montana branches have notaries?

Will Three Rivers Bank Of Montana notarize my document?

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

Will the Three Rivers Bank Of Montana branch print checks?

Do Three Rivers Bank Of Montana checks expire?

Does Three Rivers Bank Of Montana require US citizenship to open account?

Can Three Rivers Bank Of Montana close my account?

Does Three Rivers Bank Of Montana Report to credit bureaus?

Does Three Rivers Bank Of Montana Use Equifax?

What is Three Rivers Bank Of Montana's ACH Routing Number?

What is Three Rivers Bank Of Montana's SWIFT code?

Products

Does Three Rivers Bank Of Montana offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Three Rivers Bank Of Montana offer personal loans?

Compare personal loan rates here.

Does Three Rivers Bank Of Montana offer student loans?

Will Three Rivers Bank Of Montana cash a check?

Will Three Rivers Bank Of Montana redeem a savings bond?

Does Three Rivers Bank Of Montana cash savings bonds?

Will Three Rivers Bank Of Montana cash money orders?

Can Three Rivers Bank Of Montana issue a money order?

Does Three Rivers Bank Of Montana do currency exchange?

Background on The Bank

Who owns Three Rivers Bank Of Montana?

How long has Three Rivers Bank Of Montana been around?

Can Three Rivers Bank Of Montana transfer to other banks?

Does Three Rivers Bank Of Montana have quick pay?

Does Three Rivers Bank Of Montana accept rolled coins?

Will Three Rivers Bank Of Montana accept loose change?

Where is Three Rivers Bank Of Montana headquarters?

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