Opportunity Bank Of Montana (FDIC #30182): Bank Stress & Real-Estate Credit Exposure

Opportunity Bank Of Montana (FDIC Cert #30182): bank stress 67/100, elevated, STABLE over 7 days; parent EAGLE BCORP MONTANA INC.

Opportunity Bank Of Montana (#30182) lends in 16 counties across 1 state; Opportunity Bank Of Montana (#30182) reaches 172 ZIP codes: Montana 16 counties, 172 ZIPs.

Opportunity Bank Of Montana (#30182) largest markets: Madison County, MT (36 branches, 18 ZIPs) (#30182), Cascade County, MT (18 branches, 18 ZIPs) (#30182), Missoula County, MT (34 branches, 17 ZIPs) (#30182), Yellowstone County, MT (48 branches, 16 ZIPs) (#30182), Valley County, MT (28 branches, 14 ZIPs) (#30182), Lewis And Clark County, MT (48 branches, 12 ZIPs) (#30182).

Opportunity Bank Of Montana (#30182) reports $2.12 billion in total assets; Opportunity Bank Of Montana (#30182) equity $248.8 million (11.7% of Opportunity Bank Of Montana (#30182) assets); Opportunity Bank Of Montana (#30182) domestic deposits $1.81 billion; Opportunity Bank Of Montana (#30182) net income $9.0 million; Opportunity Bank Of Montana (#30182) return on assets 0.85%; Opportunity Bank Of Montana (#30182) return on equity 7.28%; Opportunity Bank Of Montana (#30182) net interest income $39.6 million; Opportunity Bank Of Montana (#30182) call report June 30, 2026.

Opportunity Bank Of Montana (#30182) noncurrent real-estate loans: none reported; Opportunity Bank Of Montana (#30182) net charge-offs on real estate 0.23%; Opportunity Bank Of Montana (#30182) residential charge-offs 0.17%.

Opportunity Bank Of Montana (#30182) net interest margin 4.32% against an eight-quarter Opportunity Bank Of Montana (#30182) average of 4.01% (Opportunity Bank Of Montana (#30182) compression -0.31 points); Opportunity Bank Of Montana (#30182) non-residential real estate 17.1% of equity; Opportunity Bank Of Montana (#30182) rate-exposure score 40/100, Opportunity Bank Of Montana (#30182) fixed-rate trap 40/100; Opportunity Bank Of Montana (#30182) risk type credit driven; Opportunity Bank Of Montana (#30182) rate regime rates elevated, Opportunity Bank Of Montana (#30182) snapshot October 20, 2026.

Opportunity Bank Of Montana (#30182) stress score moved from 65.1 on June 22, 2026 to 67.4 on October 20, 2026; Opportunity Bank Of Montana (#30182) ranged 65.1 to 67.4 over 117 snapshots.

Opportunity Bank Of Montana (#30182) alerts: 16 counties; top Opportunity Bank Of Montana (#30182) alert scores: Missoula County, MT 39 (moderate); Ashland County, MT 22 (low); Big Timber County, MT 22 (low); Billings County, MT 22 (low); Butte County, MT 22 (low).