First Montana Bank INC Safety Rating
First Montana Bank INC's safety rating is grade A, a Bank Health Score of 87/100 built from FDIC call report data. That ranks #935 out of 3,960 FDIC-insured banks nationally (top 24%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Montana Bank INC's best component is liquidity (100/100) and its weakest is profitability (53/100).
This page answers a common banking-safety question: First Montana Bank INC Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Montana Bank INC Safety Rating Breakdown
- Overall rating
- Grade A (87/100)
- National rank
- #935 of 3,960
- Tier 1 capital (35%)
- 84/100
- Loan quality (30%)
- 93/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 53/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places First Montana Bank INC among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 24% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.86% | 84/100 |
| Nonperforming Loan Ratio | 0.35% | 93/100 |
| Liquidity Ratio | 32.26% | 100/100 |
| Return on Assets | 0.81% | 53/100 |
| Total Assets | $0.6B | |
How does First Montana Bank INC compare?
With a Bank Health Score of 87/100, First Montana Bank INC sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Montana, where 33 FDIC-insured banks are headquartered, First Montana Bank INC ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 12.86% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.35% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Montana Bank INC's Bank Health Score fell by 3.0 points to 87/100. Tier 1 capital was essentially flat at 12.86%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
First Montana Bank INC's safety rating is grade A, a Bank Health Score of 87/100 built from FDIC call report data. That ranks #935 out of 3,960 FDIC-insured banks nationally (top 24%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Montana Bank INC's best component is liquidity (100/100) and its weakest is profitability (53/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For First Montana Bank INC: Tier 1 capital scores 84/100, loan quality 93/100, liquidity 100/100, and profitability 53/100 — combining to 87/100 (grade A).
First Montana Bank INC's Bank Health Score of 87/100 is 18.0 points above the Montana state average of 69/100. 33 FDIC-insured banks are headquartered in Montana.
Yes. First Montana Bank INC (FDIC certificate #363) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Montana Bank INC
First Montana Bank INC's safety rating is grade A, a Bank Health Score of 87/100 built from FDIC call report data. That ranks #935 out of 3,960 FDIC-insured banks nationally (top 24%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Montana Bank INC's best component is liquidity (100/100) and its weakest is profitability (53/100).