Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.6). Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 3.1 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 36.2 and a capital leverage ratio of 8.9.
Asset Mix:
Cash (74%), comm loans (16%), comm re (4%), home mtgs (2%), other (4%)
States with Branches:
MT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Bancorp of Montana Holding Company
Investment Rating
--
Address
125 Bank Street
Missoula, MT 59802
Missoula, MT 59802
Phone Number
(406) 829-2662
Year Founded
2007
FDIC Number
Website
Largest Affiliates
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