Headquartered in Helena, Montana, Bank of The Rockies is a state-chartered bank with $277.4M in total assets and $229.5M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1883.
Bank of The Rockies has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 23rd. Earnings contributes the most (100/100, 2.01%); capital cushion contributes the least (44/100, 9.37%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 75 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 74 |
| Q1 2026 | 60 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.14% |
| Q3 2024 | 9.30% |
| Q4 2024 | 8.96% |
| Q1 2025 | 8.92% |
| Q2 2025 | 9.08% |
| Q3 2025 | 8.97% |
| Q4 2025 | 8.73% |
| Q1 2026 | 9.33% |
| Q2 2026 | 9.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.05% |
| Q1 2026 | 1.98% |
| Q2 2026 | 1.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.67% |
| Q1 2026 | 2.01% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $277.4M | 9.37% | 1.06% | 2.01% | 91.9% |
| Q1 2026 | 60 | $261.0M | 9.33% | 1.98% | 2.01% | 84.6% |
| Q4 2025 | 74 | $270.4M | 8.73% | 0.05% | 1.67% | 79.7% |
| Q3 2025 | 67 | $262.9M | 8.97% | 0.77% | 1.63% | 85.5% |
| Q2 2025 | 68 | $261.1M | 9.08% | 0.70% | 1.55% | 87.2% |
| Q1 2025 | 75 | $258.9M | 8.92% | 0.14% | 1.87% | 87.3% |
| Q4 2024 | 71 | $257.1M | 8.96% | 0.25% | 1.44% | 87.5% |
| Q3 2024 | 72 | $253.6M | 9.30% | 0.19% | 1.40% | 86.6% |
| Q2 2024 | 70 | $252.2M | 9.14% | 0.22% | 1.38% | 91.7% |
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 |
|---|---|---|---|---|---|
| Manhattan BankBank Manhattan, MT | 75 out of 100, Strong | $287.1M | 9.9% | 0.35% | vs |
| Madison Valley BankBank Ennis, MT | 63 out of 100, Moderate | $263.7M | 9.2% | 1.27% | vs |
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Valley Bank of KalispellBank Kalispell, MT | 72 out of 100, Strong | $218.1M | 9.5% | 0.35% | vs |
| Valley Bank of RonanBank Ronan, MT | 69 out of 100, Moderate | $218.1M | 9.3% | 0.26% | vs |
Deposit insurance
Is my money safe at Bank of The Rockies?
Yes. Bank of The Rockies is an FDIC-insured institution (FDIC certificate #2205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.9% of deposits ($34.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.60% (benchmark: 10%).
7 locations
Branches
Bank of The Rockies lists 7 offices in 7 cities. Most locations:
- Bozeman, MT (1)
- Clyde Park, MT (1)
- Emigrant, MT (1)
- Helena, MT (1)
- Lewistown, MT (1)
- Livingston, MT (1)
- White Sulphur Springs, MT (1)
Identity & history
Profile
- Legal name
- Bank of The Rockies
- Former names
- The First National Bank of White Sulphur Springs; Bank of The Rockies, National Association; The First National Bank of The Rockies
- Type
- State-chartered bank
- FDIC certificate #
- 2205
- RSSD ID
- 475756
- Primary regulator
- FDIC
- Holding company
- Countricorp
- Established
- August 1, 1883
- Headquarters
- 2000 Prospect Ave, Helena, MT 59601
- Website
- www.botr.bank
- Employees
- 64
Quick answers
Bank of The Rockies: common questions
Is Bank of The Rockies FDIC insured?
Yes. Bank of The Rockies is an FDIC-insured institution (FDIC certificate #2205). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of The Rockies'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 The Rockies ever failed?
There is no failure record for FDIC certificate #2205 in the FDIC failed bank list.
How many branches does Bank of The Rockies have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Helena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vocal Credit UnionCredit union Helena, MT | 82 out of 100, Strong | $52.6M | 13.2% | 0.40% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |
| Intrepid Credit UnionCredit union Helena, MT | 71 out of 100, Strong | $310.8M | 11.1% | 0.44% | vs |