First Montana Bank, Inc. (FDIC certificate #363) is based in Missoula, Montana. Its Q2 2026 call report shows $530.3M in total assets and $437.9M in deposits and 10 offices.
Based on its Q2 2026 filing, First Montana Bank, Inc. scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 12th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (52/100; 10.15%).
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 8 points (65 → 73), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 67 |
| Q1 2025 | 61 |
| Q2 2025 | 65 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.45% |
| Q3 2024 | 8.56% |
| Q4 2024 | 8.87% |
| Q1 2025 | 9.07% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.33% |
| Q4 2025 | 9.32% |
| Q1 2026 | 9.90% |
| Q2 2026 | 10.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.72% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $530.3M | 10.15% | 0.13% | 1.07% | 72.7% |
| Q1 2026 | 71 | $536.3M | 9.90% | 0.16% | 0.99% | 75.2% |
| Q4 2025 | 67 | $564.4M | 9.32% | 0.18% | 0.80% | 71.7% |
| Q3 2025 | 67 | $562.9M | 9.33% | 0.20% | 0.78% | 72.7% |
| Q2 2025 | 65 | $551.7M | 9.29% | 0.33% | 0.78% | 75.5% |
| Q1 2025 | 61 | $562.8M | 9.07% | 0.63% | 0.70% | 74.2% |
| Q4 2024 | 67 | $565.7M | 8.87% | 0.20% | 1.00% | 78.0% |
| Q3 2024 | 62 | $586.2M | 8.56% | 0.39% | 0.72% | 79.2% |
| Q2 2024 | 61 | $564.2M | 8.45% | 0.35% | 0.66% | 81.4% |
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 |
|---|---|---|---|---|---|
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Little Horn State BankBank Hardin, MT | 59 out of 100, Moderate | $412.6M | 10.3% | 1.15% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |
| Manhattan BankBank Manhattan, MT | 75 out of 100, Strong | $287.1M | 9.9% | 0.35% | vs |
| Bank of The RockiesBank Helena, MT | 68 out of 100, Moderate | $277.4M | 9.4% | 1.06% | vs |
Deposit insurance
Is my money safe at First Montana Bank, Inc.?
Yes. First Montana Bank, Inc. is an FDIC-insured institution (FDIC certificate #363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.2% of deposits ($136.4M) 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 10.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.90% (benchmark: 10%).
10 locations
Branches
First Montana Bank, Inc. lists 10 offices in 8 cities. Most locations:
- Anaconda, MT (2)
- Missoula, MT (2)
- Bozeman, MT (1)
- Butte, MT (1)
- Helena, MT (1)
- Kalispell, MT (1)
- Libby, MT (1)
- Troy, MT (1)
HMDA 2025
Mortgage lending
In 2025, First Montana Bank, Inc. reported 49 home-loan applications under HMDA (LEI 5493005XIMS68J4ZQ284): 39 originated ($11,835,000 total), 1 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, 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
- First Montana Bank, Inc.
- Former names
- First National Bank of Montana, Inc.; First State Bank of Libby; First National Bank in Libby
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 363
- RSSD ID
- 613156
- Primary regulator
- FED
- Holding company
- First National Bcorp Inc
- Established
- January 1, 1913
- Headquarters
- 201 N Higgins Ave, Missoula, MT 59802
- Website
- www.firstmontanabank.com
- Employees
- 89
Quick answers
First Montana Bank, Inc.: common questions
Is First Montana Bank, Inc. FDIC insured?
Yes. First Montana Bank, Inc. is an FDIC-insured institution (FDIC certificate #363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Montana Bank, Inc.'s TellerScore?
73 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 First Montana Bank, Inc. ever failed?
There is no failure record for FDIC certificate #363 in the FDIC failed bank list.
How many branches does First Montana Bank, Inc. have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Missoula
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Pats Employees Federal Credit UnionCredit union Missoula, MT | 77 out of 100, Strong | $5.4M | 12.8% | 1.00% | vs |
| Clearwater Federal Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $1.2B | 12.8% | 0.67% | vs |
| Montana Educators' Credit UnionCredit union Missoula, MT | 76 out of 100, Strong | $35.3M | 10.0% | 0.38% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |