Three Rivers Bank of Montana: how it compares with its peers
Against 15 MT banks with half to twice its assets, Three Rivers Bank of Montana's strongest measure in Q2 2026 is net interest margin (5.27% vs. a 4.13% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $7.3M).
| Measure | Three Rivers Bank of Montana | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.43% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.27% | 4.13% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.07% | 56.09% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.3M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.02% | 62.98% | Context |
What it means for lending operations
Its efficiency ratio of 65.07% is above the 56.09% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Manhattan Bank Manhattan, MT · $287M
- Bank of Montana Missoula, MT · $309M
- Bank of The Rockies Helena, MT · $277M
- Madison Valley Bank Ennis, MT · $264M
- Valley Bank of Kalispell Kalispell, MT · $218M
- Valley Bank of Ronan Ronan, MT · $218M
Questions about Three Rivers Bank of Montana
How big is Three Rivers Bank of Montana?
Three Rivers Bank of Montana, established in 1974, is headquartered in Kalispell, MT. It reported $293M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Three Rivers Bank of Montana's return on assets?
1.40% annualized in Q2 2026, against a 1.43% median for 15 MT banks with half to twice its assets, ahead of 40% of them.
What is Three Rivers Bank of Montana's efficiency ratio?
65.07% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 56.09%, and lower is better.
Is Three Rivers Bank of Montana growing its loans?
Net loans shrank 7.8% over the year to Q2 2026, while deposits shrank 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.