Headquartered in Kalispell, Montana, Three Rivers Bank of Montana is a state-chartered bank with $293.1M in total assets and $257.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1974.
Based on its Q2 2026 filing, Three Rivers Bank of Montana scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 16th. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is funding & liquidity (62/100; 95% loans-to-deposits, 18% 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 7 points (64 → 71), mostly because the earnings component improved by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 68 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.76% |
| Q3 2024 | 9.59% |
| Q4 2024 | 9.84% |
| Q1 2025 | 10.01% |
| Q2 2025 | 10.25% |
| Q3 2025 | 10.56% |
| Q4 2025 | 10.93% |
| Q1 2026 | 11.04% |
| Q2 2026 | 11.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.93% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $293.1M | 11.72% | 0.93% | 1.40% | 95.0% |
| Q1 2026 | 72 | $306.1M | 11.04% | 0.59% | 1.30% | 91.4% |
| Q4 2025 | 68 | $310.9M | 10.93% | 0.64% | 0.99% | 92.3% |
| Q3 2025 | 66 | $308.3M | 10.56% | 0.74% | 0.89% | 90.9% |
| Q2 2025 | 64 | $319.8M | 10.25% | 0.56% | 0.72% | 98.6% |
| Q1 2025 | 64 | $322.7M | 10.01% | 0.53% | 0.73% | 94.8% |
| Q4 2024 | 62 | $324.0M | 9.84% | 0.55% | 0.50% | 92.3% |
| Q3 2024 | 59 | $321.4M | 9.59% | 0.51% | 0.20% | 92.0% |
| Q2 2024 | 59 | $322.4M | 9.76% | 0.54% | 0.21% | 92.6% |
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 |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Bank of The RockiesBank Helena, MT | 68 out of 100, Moderate | $277.4M | 9.4% | 1.06% | vs |
| Madison Valley BankBank Ennis, MT | 63 out of 100, Moderate | $263.7M | 9.2% | 1.27% | 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 Three Rivers Bank of Montana?
Yes. Three Rivers Bank of Montana is an FDIC-insured institution (FDIC certificate #21557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.1% of deposits ($46.7M) 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 11.72%, 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%).
3 locations
Branches
Three Rivers Bank of Montana lists 3 offices in 2 cities. Most locations:
- Kalispell, MT (2)
- Whitefish, MT (1)
Identity & history
Profile
- Legal name
- Three Rivers Bank of Montana
- Former names
- First Security Bank of Kalispell
- Type
- State-chartered bank
- FDIC certificate #
- 21557
- RSSD ID
- 610557
- Primary regulator
- FDIC
- Holding company
- King Kalispell Llc
- Established
- May 1, 1974
- Headquarters
- 233 E Idaho St, Kalispell, MT 59901
- Employees
- 55
Quick answers
Three Rivers Bank of Montana: common questions
Is Three Rivers Bank of Montana FDIC insured?
Yes. Three Rivers Bank of Montana is an FDIC-insured institution (FDIC certificate #21557). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Three Rivers 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 Three Rivers Bank of Montana ever failed?
There is no failure record for FDIC certificate #21557 in the FDIC failed bank list.
How many branches does Three Rivers Bank of Montana have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kalispell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| Whitefish Credit Union AssociationCredit union Whitefish, MT | 76 out of 100, Strong | $2.1B | 12.7% | 0.15% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Valley Bank of KalispellBank Kalispell, MT | 72 out of 100, Strong | $218.1M | 9.5% | 0.35% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |