Headquartered in Miles City, Montana, Stockman Bank of Montana is a state-chartered bank with $7.7B in total assets and $6.2B in deposits as of Q2 2026. It operates 48 offices. Its charter dates back to 1944.
Based on its Q2 2026 filing, Stockman 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 14th. Its strongest component is earnings (96/100; 1.91%), and its lowest is funding & liquidity (49/100; 83% loans-to-deposits, 40% uninsured).
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 4 points (67 → 71), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 67 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.62% |
| Q3 2024 | 9.46% |
| Q4 2024 | 9.35% |
| Q1 2025 | 9.63% |
| Q2 2025 | 9.78% |
| Q3 2025 | 9.96% |
| Q4 2025 | 9.64% |
| Q1 2026 | 9.86% |
| Q2 2026 | 9.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.60% |
| Q3 2025 | 1.76% |
| Q4 2025 | 1.87% |
| Q1 2026 | 1.94% |
| Q2 2026 | 1.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $7.7B | 9.89% | 0.60% | 1.91% | 82.9% |
| Q1 2026 | 71 | $7.7B | 9.86% | 0.62% | 1.94% | 78.5% |
| Q4 2025 | 69 | $7.6B | 9.64% | 0.66% | 1.87% | 80.4% |
| Q3 2025 | 69 | $7.2B | 9.96% | 0.63% | 1.76% | 83.4% |
| Q2 2025 | 67 | $6.9B | 9.78% | 0.65% | 1.60% | 84.4% |
| Q1 2025 | 67 | $6.8B | 9.63% | 0.74% | 1.68% | 81.9% |
| Q4 2024 | 67 | $6.9B | 9.35% | 0.47% | 1.52% | 80.7% |
| Q3 2024 | 69 | $6.6B | 9.46% | 0.28% | 1.38% | 82.2% |
| Q2 2024 | 69 | $6.4B | 9.62% | 0.23% | 1.38% | 80.8% |
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 |
|---|---|---|---|---|---|
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |
| 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 |
Deposit insurance
Is my money safe at Stockman Bank of Montana?
Yes. Stockman Bank of Montana is an FDIC-insured institution (FDIC certificate #16191). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.1% of deposits ($2.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).
48 locations
Branches
Stockman Bank of Montana lists 45 offices in 30 cities. Most locations:
- Billings, MT (5)
- Bozeman, MT (3)
- Great Falls, MT (3)
- Helena, MT (3)
- Kalispell, MT (3)
- Missoula, MT (3)
- Miles City, MT (2)
- Belgrade, MT (1)
- Bigfork, MT (1)
- Columbia Falls, MT (1)
- Conrad, MT (1)
- Cut Bank, MT (1)
HMDA 2025
Mortgage lending
In 2025, Stockman Bank of Montana reported 2,909 home-loan applications under HMDA (LEI 549300FVJ3IB88LTR841): 2,196 originated ($648,240,000 total), 185 denied, and 462 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, 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
- Stockman Bank of Montana
- Former names
- First Security Bank & Trust of Miles City; Miles City Bank, Miles City, Montana
- Type
- State-chartered bank
- FDIC certificate #
- 16191
- RSSD ID
- 651859
- Primary regulator
- FDIC
- Holding company
- Stockman Financial Corp
- Established
- January 1, 1944
- Headquarters
- 700 Main St, Miles City, MT 59301
- Website
- www.stockmanbank.com
- Employees
- 904
Quick answers
Stockman Bank of Montana: common questions
Is Stockman Bank of Montana FDIC insured?
Yes. Stockman Bank of Montana is an FDIC-insured institution (FDIC certificate #16191). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Stockman 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 Stockman Bank of Montana ever failed?
There is no failure record for FDIC certificate #16191 in the FDIC failed bank list.
How many branches does Stockman Bank of Montana have?
48 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Miles City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Valley Financial Credit UnionCredit union Billings, MT | 71 out of 100, Strong | $600.9M | 10.7% | 0.25% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |
| Community 1st Federal Credit UnionCredit union Miles City, MT | 58 out of 100, Moderate | $43.2M | 11.1% | 1.60% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |