First Montana Bank Inc (FDIC #363): Bank Stress & Real-Estate Credit Exposure
First Montana Bank Inc (FDIC Cert #363): bank stress 70/100, elevated, STABLE over 7 days; parent FIRST NATIONAL BCORP INC.
First Montana Bank Inc (#363) lends in 7 counties across 1 state; First Montana Bank Inc (#363) reaches 72 ZIP codes: Montana 7 counties, 72 ZIPs.
First Montana Bank Inc (#363) largest markets: Missoula County, MT (34 branches, 17 ZIPs) (#363), Flathead County, MT (16 branches, 16 ZIPs) (#363), Lewis And Clark County, MT (12 branches, 12 ZIPs) (#363), Gallatin County, MT (10 branches, 10 ZIPs) (#363), Lincoln County, MT (14 branches, 7 ZIPs) (#363), Silver Bow County, MT (7 branches, 7 ZIPs) (#363).
First Montana Bank Inc (#363) reports $530.3 million in total assets; First Montana Bank Inc (#363) equity $52.4 million (9.9% of First Montana Bank Inc (#363) assets); First Montana Bank Inc (#363) domestic deposits $437.9 million; First Montana Bank Inc (#363) net income $2.9 million; First Montana Bank Inc (#363) return on assets 1.07%; First Montana Bank Inc (#363) return on equity 11.22%; First Montana Bank Inc (#363) net interest income $9.2 million; First Montana Bank Inc (#363) call report June 30, 2026.
First Montana Bank Inc (#363) noncurrent real-estate loans 0.04% of its book; First Montana Bank Inc (#363) residential 0.09%; First Montana Bank Inc (#363) net charge-offs on real estate 0.13%.
First Montana Bank Inc (#363) net interest margin 3.62% against an eight-quarter First Montana Bank Inc (#363) average of 3.27% (First Montana Bank Inc (#363) compression -0.35 points); First Montana Bank Inc (#363) real-estate loans 4.3% of equity; First Montana Bank Inc (#363) rate-exposure score 40/100, First Montana Bank Inc (#363) fixed-rate trap 40/100; First Montana Bank Inc (#363) risk type credit driven; First Montana Bank Inc (#363) rate regime rates elevated, First Montana Bank Inc (#363) snapshot October 20, 2026.
First Montana Bank Inc (#363) stress score moved from 70.5 on June 22, 2026 to 69.6 on October 20, 2026; First Montana Bank Inc (#363) ranged 69.6 to 70.5 over 117 snapshots.
First Montana Bank Inc (#363) alerts: 7 counties; top First Montana Bank Inc (#363) alert scores: Missoula County, MT 39 (moderate); Anaconda County, MT 23 (low); Bozeman County, MT 23 (low); Butte County, MT 23 (low); Helena County, MT 23 (low).