TellerScore

Bank of Bridger, National Association is a national bank headquartered in Bridger, Montana, in business for about 120 years. At the end of Q2 2026 it reported $802.7M in total assets and $729.8M in deposits, with 12 offices across 2 states.

Based on its Q2 2026 filing, Bank of Bridger, National Association scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 18th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (51/100; 10.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 52.6% · 26.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.49%

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 10 points (60 → 70), mostly because the loan quality component improved by 22 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202461
Q1 202561
Q2 202560
Q3 202563
Q4 202565
Q1 202666
Q2 202670
Tier 1 leverage ratio
5.00%7.54%10.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.61%
Q3 20249.73%
Q4 20249.65%
Q1 20259.71%
Q2 20259.69%
Q3 20259.62%
Q4 20259.82%
Q1 202610.02%
Q2 202610.08%
Noncurrent loans
0.41%0.77%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.66%
Q4 20240.98%
Q1 20251.12%
Q2 20251.13%
Q3 20250.86%
Q4 20250.82%
Q1 20260.92%
Q2 20260.47%
Return on assets
0.54%0.73%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.58%
Q4 20240.59%
Q1 20250.65%
Q2 20250.66%
Q3 20250.71%
Q4 20250.72%
Q1 20260.90%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$802.7M10.08%0.47%0.92%52.6%
Q1 202666$791.9M10.02%0.92%0.90%50.7%
Q4 202565$798.8M9.82%0.82%0.72%52.2%
Q3 202563$800.7M9.62%0.86%0.71%50.7%
Q2 202560$805.7M9.69%1.13%0.66%49.3%
Q1 202561$771.9M9.71%1.12%0.65%48.6%
Q4 202461$775.2M9.65%0.98%0.59%48.1%
Q3 202465$757.3M9.73%0.66%0.58%51.7%
Q2 202466$743.1M9.61%0.41%0.54%51.5%

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).

Capital ratio10.08%
33rd
Total risk-based capital20.48%
87th
Problem loans0.47%
47th
Net charge-offs-0.00%
81st
Return on assets0.92%
30th
Net interest margin3.20%
16th
Efficiency ratio61.0%
54th
Loans to deposits52.6%
90th
Uninsured deposits26.6%
40th
Loan-loss reserves1.46%
76th
Texas ratio2.5%
52nd

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State BankBank Victor, MT64 out of 100, Moderate$790.3M8.8%0.68%vs
American BankBank Bozeman, MT79 out of 100, Strong$630.4M11.1%0.00%vs
First Montana Bank, Inc.Bank Missoula, MT73 out of 100, Strong$530.3M10.2%0.13%vs
Little Horn State BankBank Hardin, MT59 out of 100, Moderate$412.6M10.3%1.15%vs
Bank of MontanaBank Missoula, MT75 out of 100, Strong$308.6M8.9%0.00%vs
Three Rivers Bank of MontanaBank Kalispell, MT71 out of 100, Strong$293.1M11.7%0.93%vs

Deposit insurance

Is my money safe at Bank of Bridger, National Association?

Yes. Bank of Bridger, National Association is an FDIC-insured institution (FDIC certificate #2224). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.6% of deposits ($194.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.48% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Bank of Bridger, National Association lists 12 offices in 12 cities across 2 states. Most locations:

  • Bridger, MT (1)
  • Butte, MT (1)
  • Glasgow, MT (1)
  • Greybull, WY (1)
  • Harlem, MT (1)
  • Joliet, MT (1)
  • Lovell, WY (1)
  • Malta, MT (1)
  • Plentywood, MT (1)
  • Powell, WY (1)
  • Red Lodge, MT (1)
  • Thermopolis, WY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Bridger, National Association reported 138 home-loan applications under HMDA (LEI 549300DY5ZVXIORLFC39): 120 originated ($32,410,000 total), 8 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Bridger, National Association
Former names
The First National Bank of Lovell; Wyoming National Bank Lovell; Norwest Bank Wyoming Lovell, National Association; Bank of Lovell, National Association
Type
National bank
FDIC certificate #
2224
RSSD ID
17950
Primary regulator
OCC
Holding company
Bridger Co the
Established
May 1, 1906
Headquarters
101 S Main St, Bridger, MT 59014
Employees
129

Quick answers

Bank of Bridger, National Association: common questions

Is Bank of Bridger, National Association FDIC insured?

Yes. Bank of Bridger, National Association is an FDIC-insured institution (FDIC certificate #2224). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Bridger, National Association's TellerScore?

70 out of 100 (Strong), 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 Bridger, National Association ever failed?

There is no failure record for FDIC certificate #2224 in the FDIC failed bank list.

How many branches does Bank of Bridger, National Association have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bridger

InstitutionScoreAssetsCapitalProblem loansCompare
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs