Bank of the Rockies
Helena, Montana · FDIC Cert #2205
Bank of the Rockies is an FDIC-insured bank (Certificate #2205) with $252M in total assets and $203M in total deposits as of the Q2 2024 Call Report. Headquartered in Helena, Montana, the bank maintains a Tier 1 capital ratio of 11.45% (Well-Capitalized) and a nonperforming loan ratio of 0.22%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of the Rockies (FDIC cert 2205) is a community bank — $252M in total assets, $203M in deposits, serving the Helena, 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 11.45% 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 clean: non-performing loan ratio of 0.22% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.38% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. 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 the Rockies carries a composite BankHealth grade of B (79/100) 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 the Rockies
- Total Assets
- $252M
- Total Deposits
- $203M
- Tier 1 Capital Ratio
- 11.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.22%
- Liquidity Ratio
- 22.09%
- Return on Assets
- 1.38%
- Headquarters
- Helena, Montana
- FDIC Certificate
- #2205
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of the Rockies holds a Tier 1 capital ratio of 11.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of the Rockies has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of the Rockies shows strong financial health indicators. With $252M in assets and a Health Score of 79/100, 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 the Rockies Compares
Bank of the Rockies’s Health Score of 79 is 10 points above the Montana state average of 69 across 33 FDIC-insured banks. Its 11.45% Tier 1 capital ratio is 2.6 points below the US banking industry average near 14%. The 0.22% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.38% is in line with or above the national ROA benchmark of ~1.1%. Among 1581 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Bank of the Rockies is 9 points above the portfolio average of 70.
Frequently Asked Questions
Bank of the Rockies has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.45%, 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 the Rockies's Tier 1 capital ratio of 11.45% and nonperforming loan ratio of 0.22% 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 the Rockies is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2205). 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 the Rockies holds $252M in total assets and $203M in total deposits. It is headquartered in Helena, Montana (FDIC Certificate #2205).
Bank of the Rockies has a Tier 1 capital ratio of 11.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.22%, and the return on assets is 1.38%.
Yes. Bank of the Rockies is FDIC-insured (Certificate #2205). 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 the Rockies'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.