Bank of Bozeman
Bozeman, Montana · FDIC Cert #57952
Bank of Bozeman is an FDIC-insured bank (Certificate #57952) with $106M in total assets and $90M in total deposits as of the Q2 2024 Call Report. Headquartered in Bozeman, Montana, the bank maintains a Tier 1 capital ratio of 11.92% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of B (73/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Bozeman (FDIC cert 57952) is a community bank — $106M in total assets, $90M in deposits, serving the Bozeman, Montana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.92% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 21.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.34% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Bozeman carries a composite BankHealth grade of B (73/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Bozeman
- Total Assets
- $106M
- Total Deposits
- $90M
- Tier 1 Capital Ratio
- 11.92%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 21.82%
- Return on Assets
- 0.34%
- Headquarters
- Bozeman, Montana
- FDIC Certificate
- #57952
- Health Grade
- B (73/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Bozeman holds a Tier 1 capital ratio of 11.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Bozeman has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Bozeman shows strong financial health indicators. With $106M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Bozeman Compares
Bank of Bozeman’s Health Score of 73 is 4 points above the Montana state average of 69 across 33 FDIC-insured banks. Its 11.92% Tier 1 capital ratio is 2.1 points below the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.34% is below the national ROA benchmark of ~1.1%. Among 1137 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bank of Bozeman is 3 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Bozeman has a Bank Health Score of B (73/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.92%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Bozeman's Tier 1 capital ratio of 11.92% and nonperforming loan ratio of 0.65% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Bozeman is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57952). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Bozeman holds $106M in total assets and $90M in total deposits. It is headquartered in Bozeman, Montana (FDIC Certificate #57952).
Bank of Bozeman has a Tier 1 capital ratio of 11.92%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 0.34%.
Yes. Bank of Bozeman is FDIC-insured (Certificate #57952). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Bozeman's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.