Side-by-side · Q2 2026 data
Independence Bank vs Opportunity Bank of Montana
Metric by metric
| Measure | Independence Bank | Opportunity Bank of Montana |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 84 (stronger) | 59 |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 97 (stronger) | 54 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 95th | 63rd |
| Total assets | $1.4B | $2.1B |
| Deposits / shares | $1.2B | $1.8B |
| Capital ratio | 13.39% (stronger) | 10.93% |
| Problem loans | 0.46% | 0.26% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.93% (stronger) | 0.85% |
| Loans ÷ deposits | 91.1% | 86.2% (stronger) |
| Uninsured deposits | 28.2% | 19.9% (stronger) |
| Offices | 10 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 12.0% |
Independence Bank has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 4 and Opportunity Bank of Montana on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Glasgow, MT
- Great Falls, MT
- Wolf Point, MT