Headquartered in Helena, Montana, Opportunity Bank of Montana is a state-chartered bank (fed member) with $2.1B in total assets and $1.8B in deposits as of Q2 2026. It operates 30 offices. Its charter dates back to 1922.
Based on its Q2 2026 filing, Opportunity Bank of Montana scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 35 banks headquartered in Montana, it ranks 15th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is earnings (54/100; 0.85%).
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 3 points (68 → 71), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.92% |
| Q3 2024 | 9.87% |
| Q4 2024 | 10.07% |
| Q1 2025 | 10.29% |
| Q2 2025 | 10.34% |
| Q3 2025 | 10.35% |
| Q4 2025 | 10.62% |
| Q1 2026 | 10.85% |
| Q2 2026 | 10.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $2.1B | 10.93% | 0.26% | 0.85% | 86.2% |
| Q1 2026 | 71 | $2.1B | 10.85% | 0.36% | 0.88% | 83.8% |
| Q4 2025 | 70 | $2.1B | 10.62% | 0.37% | 0.83% | 83.5% |
| Q3 2025 | 69 | $2.1B | 10.35% | 0.26% | 0.77% | 87.6% |
| Q2 2025 | 68 | $2.1B | 10.34% | 0.32% | 0.75% | 89.4% |
| Q1 2025 | 68 | $2.1B | 10.29% | 0.35% | 0.75% | 88.9% |
| Q4 2024 | 67 | $2.1B | 10.07% | 0.25% | 0.59% | 89.2% |
| Q3 2024 | 65 | $2.1B | 9.87% | 0.31% | 0.53% | 92.1% |
| Q2 2024 | 64 | $2.1B | 9.92% | 0.33% | 0.47% | 92.8% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Independence BankBank Havre, MT | 84 out of 100, Strong | $1.4B | 13.4% | 0.46% | vs |
| The Yellowstone BankBank Laurel, MT | 88 out of 100, Very strong | $1.3B | 12.3% | 0.01% | vs |
| TrailWest BankBank Lolo, MT | 50 out of 100, Below average | $1.1B | 8.6% | 1.82% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |
Deposit insurance
Is my money safe at Opportunity Bank of Montana?
Yes. Opportunity Bank of Montana is an FDIC-insured institution (FDIC certificate #30182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.9% of deposits ($359.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.23% (benchmark: 10%).
30 locations
Branches
Opportunity Bank of Montana lists 29 offices in 22 cities. Most locations:
- Helena, MT (4)
- Billings, MT (3)
- Bozeman, MT (2)
- Missoula, MT (2)
- Ashland, MT (1)
- Big Timber, MT (1)
- Butte, MT (1)
- Choteau, MT (1)
- Culbertson, MT (1)
- Denton, MT (1)
- Dutton, MT (1)
- Froid, MT (1)
HMDA 2025
Mortgage lending
In 2025, Opportunity Bank of Montana reported 1,605 home-loan applications under HMDA (LEI 5493007ZF78YQRSXQG49): 1,148 originated ($295,590,000 total), 159 denied, and 282 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, 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
- Opportunity Bank of Montana
- Former names
- American Federal Savings and Loan Association of Helena; American Federal Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 30182
- RSSD ID
- 685676
- Primary regulator
- FED
- Holding company
- Eagle Bcorp Montana Inc
- Established
- January 1, 1922
- Headquarters
- 1400 Prospect Ave, Helena, MT 59601
- Website
- www.opportunitybank.com
- Employees
- 376
Quick answers
Opportunity Bank of Montana: common questions
Is Opportunity Bank of Montana FDIC insured?
Yes. Opportunity Bank of Montana is an FDIC-insured institution (FDIC certificate #30182). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Opportunity Bank of Montana's TellerScore?
71 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 Opportunity Bank of Montana ever failed?
There is no failure record for FDIC certificate #30182 in the FDIC failed bank list.
How many branches does Opportunity Bank of Montana have?
30 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 |
| 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 |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |