Three Rivers Bank of Montana
Kalispell, Montana · FDIC Cert #21557
This is the FDIC profile for Three Rivers Bank of Montana, an FDIC-insured bank (Certificate #21557) with $322M in total assets and $265M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Kalispell, Montana, the bank maintains a Tier 1 capital ratio of 9.76% (Well-Capitalized) and a nonperforming loan ratio of 0.54%. BankHealthData assigns a composite Health Grade of C (62/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Three Rivers Bank of Montana (FDIC cert 21557) is a community bank — $322M in total assets, $265M in deposits, serving the Kalispell, 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 9.76% 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 0.54% 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: 16.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.25% 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Three Rivers Bank of Montana carries a composite BankHealth grade of C (62/100) 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: Three Rivers Bank of Montana
- Total Assets
- $322M
- Total Deposits
- $265M
- Tier 1 Capital Ratio
- 9.76%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.54%
- Liquidity Ratio
- 16.27%
- Return on Assets
- 0.25%
- Headquarters
- Kalispell, Montana
- FDIC Certificate
- #21557
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Three Rivers Bank of Montana files quarterly Call Reports with the FDIC under Certificate #21557. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Three Rivers Bank of Montana holds a Tier 1 capital ratio of 9.76%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Three Rivers Bank of Montana has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Three Rivers Bank of Montana shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Three Rivers Bank of Montana Compares
Three Rivers Bank of Montana’s Health Score of 62 is 18 points below the Montana state average of 80 across 33 FDIC-insured banks. Its 9.76% Tier 1 capital ratio is 4.2 points below the US banking industry average near 14%. The 0.54% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.25% is below the national ROA benchmark of ~1.1%. Among 1589 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Three Rivers Bank of Montana is 18 points below the portfolio average of 80.
Frequently Asked Questions
Three Rivers Bank of Montana has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 9.76%, 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. Three Rivers Bank of Montana's Tier 1 capital ratio of 9.76% and nonperforming loan ratio of 0.54% indicate an average 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 Three Rivers Bank of Montana is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #21557). 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.
Three Rivers Bank of Montana holds $322M in total assets and $265M in total deposits. It is headquartered in Kalispell, Montana (FDIC Certificate #21557).
Three Rivers Bank of Montana's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #21557 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Three Rivers Bank of Montana has a Tier 1 capital ratio of 9.76%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.54%, and the return on assets is 0.25%.
Yes. Three Rivers Bank of Montana is FDIC-insured (Certificate #21557). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Three Rivers Bank of Montana's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.