Bank of The Rockies: how it compares with its peers
Against 15 MT banks with half to twice its assets, Bank of The Rockies's strongest measure in Q2 2026 is return on assets (2.01% vs. a 1.41% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $7.3M).
| Measure | Bank of The Rockies | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.01% | 1.41% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.94% | 4.13% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.11% | 56.09% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $7.3M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.90% | 62.98% | Context |
What it means for lending operations
Its efficiency ratio of 62.11% 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
- Madison Valley Bank Ennis, MT · $264M
- Three Rivers Bank of Montana Kalispell, MT · $293M
- Bank of Montana Missoula, MT · $309M
- Valley Bank of Kalispell Kalispell, MT · $218M
- Valley Bank of Ronan Ronan, MT · $218M
Questions about Bank of The Rockies
How big is Bank of The Rockies?
Bank of The Rockies, established in 1883, is headquartered in Helena, MT. It reported $277M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Bank of The Rockies's return on assets?
2.01% annualized in Q2 2026, against a 1.41% median for 15 MT banks with half to twice its assets, ahead of 87% of them.
What is Bank of The Rockies's efficiency ratio?
62.11% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 56.09%, and lower is better.
Is Bank of The Rockies growing its loans?
Net loans grew 9.2% over the year to Q2 2026, while deposits grew 3.6%.
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.