Headquartered in Bozeman, Montana, Bank of Bozeman is a state-chartered bank with $108.4M in total assets and $96.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2005.
Based on its Q2 2026 filing, Bank of Bozeman scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 24th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (52/100; 10.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 66 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 65 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 9.38% |
| Q4 2024 | 9.73% |
| Q1 2025 | 10.71% |
| Q2 2025 | 10.28% |
| Q3 2025 | 10.25% |
| Q4 2025 | 10.52% |
| Q1 2026 | 10.20% |
| Q2 2026 | 10.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.39% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $108.4M | 10.20% | 0.39% | 0.84% | 81.0% |
| Q1 2026 | 65 | $110.7M | 10.20% | 0.73% | 0.87% | 80.0% |
| Q4 2025 | 72 | $98.7M | 10.52% | 0.00% | 0.74% | 88.6% |
| Q3 2025 | 71 | $102.6M | 10.25% | 0.00% | 0.73% | 82.9% |
| Q2 2025 | 66 | $103.8M | 10.28% | 0.45% | 0.66% | 89.8% |
| Q1 2025 | 68 | $101.0M | 10.71% | 0.35% | 0.49% | 86.7% |
| Q4 2024 | 65 | $99.5M | 9.73% | 0.18% | 0.40% | 89.1% |
| Q3 2024 | 64 | $106.1M | 9.38% | 0.17% | 0.31% | 84.6% |
| Q2 2024 | 59 | $106.3M | 9.33% | 0.65% | 0.29% | 83.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Garfield County BankBank Jordan, MT | 64 out of 100, Moderate | $108.0M | 15.8% | 8.42% | vs |
| Ascent BankBank Helena, MT | 46 out of 100, Below average | $104.1M | 8.7% | 2.51% | vs |
| Pioneer State BankBank Deer Lodge, MT | 70 out of 100, Strong | $133.5M | 16.8% | 0.59% | vs |
| Citizens Bank & Trust CompanyBank Big Timber, MT | 49 out of 100, Below average | $155.4M | 9.9% | 3.15% | vs |
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| The Bank of BakerBank Baker, MT | 74 out of 100, Strong | $160.9M | 10.9% | 0.72% | vs |
Deposit insurance
Is my money safe at Bank of Bozeman?
Yes. Bank of Bozeman is an FDIC-insured institution (FDIC certificate #57952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($23.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.80% (benchmark: 10%).
1 location
Branches
Bank of Bozeman lists 1 office in 1 city. Most locations:
- Bozeman, MT (1)
Identity & history
Profile
- Legal name
- Bank of Bozeman
- Type
- State-chartered bank
- FDIC certificate #
- 57952
- RSSD ID
- 3308529
- Primary regulator
- FDIC
- Holding company
- Bozeman Bcorp Inc
- Established
- April 15, 2005
- Headquarters
- 875 Harmon Stream Blvd, Bozeman, MT 59718
- Website
- www.bankofbozeman.com
- Employees
- 22
Quick answers
Bank of Bozeman: common questions
Is Bank of Bozeman FDIC insured?
Yes. Bank of Bozeman is an FDIC-insured institution (FDIC certificate #57952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Bozeman's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Bozeman ever failed?
There is no failure record for FDIC certificate #57952 in the FDIC failed bank list.
How many branches does Bank of Bozeman have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bozeman
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Yellowstone BankBank Laurel, MT | 88 out of 100, Very strong | $1.3B | 12.3% | 0.01% | vs |
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| Manhattan BankBank Manhattan, MT | 75 out of 100, Strong | $287.1M | 9.9% | 0.35% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |