Opportunity Bank of Montana: how it compares with its peers
Against 680 U.S. banks with half to twice its assets, Opportunity Bank of Montana's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $8.4M).
| Measure | Opportunity Bank of Montana | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 1.23% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 3.70% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.97% | 60.04% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $8.4M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.17% | 86.21% | Context |
What it means for lending operations
Its efficiency ratio of 73.97% is above the 60.04% 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
- The First National Bank in Sioux Falls Sioux Falls, SD · $2.12B
- Oakworth Capital Bank Birmingham, AL · $2.13B
- The Lyons National Bank Lyons, NY · $2.13B
- NorthEast Community Bank White Plains, NY · $2.11B
- Mizuho Bank (USA) New York, NY · $2.14B
- First Fed Bank Port Angeles, WA · $2.11B
Questions about Opportunity Bank of Montana
How big is Opportunity Bank of Montana?
Opportunity Bank of Montana, established in 1922, is headquartered in Helena, MT. It reported $2.12B in total assets in its Q2 2026 FDIC call report and operates 30 offices.
What is Opportunity Bank of Montana's return on assets?
0.85% annualized in Q2 2026, against a 1.23% median for 680 U.S. banks with half to twice its assets, ahead of 22% of them.
What is Opportunity Bank of Montana's efficiency ratio?
73.97% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 60.04%, and lower is better.
Is Opportunity Bank of Montana growing its loans?
Net loans shrank 0.6% over the year to Q2 2026, while deposits grew 3.1%.
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 U.S. 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.