Headquartered in Jordan, Montana, Garfield County Bank is a state-chartered bank with $108.0M in total assets and $90.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1960.
Based on its Q2 2026 filing, Garfield County Bank scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 28th. Its strongest component is capital cushion (100/100; 15.82%), and its lowest is loan quality (0/100; 8.42%).
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 (62 → 64), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 67 |
| Q4 2024 | 81 |
| Q1 2025 | 65 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.86% |
| Q3 2024 | 17.17% |
| Q4 2024 | 16.75% |
| Q1 2025 | 16.58% |
| Q2 2025 | 16.77% |
| Q3 2025 | 17.05% |
| Q4 2025 | 15.86% |
| Q1 2026 | 15.86% |
| Q2 2026 | 15.82% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.40% |
| Q3 2024 | 3.42% |
| Q4 2024 | 1.46% |
| Q1 2025 | 5.72% |
| Q2 2025 | 7.76% |
| Q3 2025 | 6.00% |
| Q4 2025 | 5.53% |
| Q1 2026 | 6.84% |
| Q2 2026 | 8.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.45% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $108.0M | 15.82% | 8.42% | 1.30% | 52.4% |
| Q1 2026 | 65 | $99.3M | 15.86% | 6.84% | 1.36% | 56.7% |
| Q4 2025 | 65 | $104.4M | 15.86% | 5.53% | 1.28% | 54.4% |
| Q3 2025 | 63 | $93.7M | 17.05% | 6.00% | 1.22% | 66.8% |
| Q2 2025 | 62 | $94.1M | 16.77% | 7.76% | 1.13% | 63.4% |
| Q1 2025 | 65 | $91.3M | 16.58% | 5.72% | 1.36% | 65.2% |
| Q4 2024 | 81 | $92.8M | 16.75% | 1.46% | 1.45% | 64.3% |
| Q3 2024 | 67 | $86.8M | 17.17% | 3.42% | 1.69% | 78.7% |
| Q2 2024 | 63 | $85.1M | 16.86% | 4.40% | 1.24% | 74.7% |
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 |
|---|---|---|---|---|---|
| Bank of BozemanBank Bozeman, MT | 68 out of 100, Moderate | $108.4M | 10.2% | 0.39% | 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 Garfield County Bank?
Yes. Garfield County Bank is an FDIC-insured institution (FDIC certificate #18164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.9% of deposits ($14.4M) 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 15.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Garfield County Bank lists 2 offices in 2 cities. Most locations:
- Circle, MT (1)
- Jordan, MT (1)
Identity & history
Profile
- Legal name
- Garfield County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18164
- RSSD ID
- 608358
- Primary regulator
- FDIC
- Holding company
- Garfield County Bancshares Inc
- Established
- March 14, 1960
- Headquarters
- 444 Main St, Jordan, MT 59337
- Website
- www.garfieldcountybank.com
- Employees
- 9
Quick answers
Garfield County Bank: common questions
Is Garfield County Bank FDIC insured?
Yes. Garfield County Bank is an FDIC-insured institution (FDIC certificate #18164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Garfield County Bank's TellerScore?
64 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 Garfield County Bank ever failed?
There is no failure record for FDIC certificate #18164 in the FDIC failed bank list.
How many branches does Garfield County Bank have?
2 offices as of the latest FDIC data.