Opportunity Bank of Montana
Helena, Montana · FDIC Cert #30182
Opportunity Bank of Montana is an FDIC-insured bank (Certificate #30182) with $2.1B in total assets and $1.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Helena, Montana, the bank maintains a Tier 1 capital ratio of 12.09% (Well-Capitalized) and a nonperforming loan ratio of 0.33%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Opportunity Bank of Montana (FDIC cert 30182) is a mid-sized bank with $2.1B in total assets and $1.6B in deposits, based in Helena, Montana. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.09% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.33% 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: 15.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.59% 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. Opportunity Bank of Montana carries a composite BankHealth grade of B (70/100) 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: Opportunity Bank of Montana
- Total Assets
- $2.1B
- Total Deposits
- $1.6B
- Tier 1 Capital Ratio
- 12.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.33%
- Liquidity Ratio
- 15.75%
- Return on Assets
- 0.59%
- Headquarters
- Helena, Montana
- FDIC Certificate
- #30182
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Opportunity Bank of Montana holds a Tier 1 capital ratio of 12.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Opportunity Bank of Montana has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Opportunity Bank of Montana shows strong financial health indicators. With $2.1B in assets and a Health Score of 70/100, 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 Opportunity Bank of Montana Compares
Opportunity Bank of Montana’s Health Score of 70 is 1 points above the Montana state average of 69 across 33 FDIC-insured banks. Its 12.09% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 0.33% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.59% is below the national ROA benchmark of ~1.1%. Among 593 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Opportunity Bank of Montana has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.09%, 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. Opportunity Bank of Montana's Tier 1 capital ratio of 12.09% and nonperforming loan ratio of 0.33% 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 Opportunity Bank of Montana is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30182). 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.
Opportunity Bank of Montana holds $2.1B in total assets and $1.6B in total deposits. It is headquartered in Helena, Montana (FDIC Certificate #30182).
Opportunity Bank of Montana has a Tier 1 capital ratio of 12.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.33%, and the return on assets is 0.59%.
Yes. Opportunity Bank of Montana is FDIC-insured (Certificate #30182). 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%).
Opportunity Bank of Montana'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.