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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Montana, the state note

Bank of Bridger N.A.

Bridger, Montana · $803M in assets · beside the 5 other Montana banks between $300M and $1B

The filing

8.9%
CRE / loans
1st of 6
0.90%
ROA
6th of 6
8.5%
Equity / assets
5th of 6

Bank of Bridger N.A. is the largest of the 6 Montana banks between $300M and $1B, with $803M in assets at 30 June 2026. Loans are 53.3% of deposits, 2nd of 6 against a median of 71.9%, and equity is 8.5% of assets, 5th of 6. Loans grew +5.0% in the year, 3rd of 6, and deposits fell 1.4%; the cohort's median loan growth is +0.9%.

Noncurrent loans are 0.47% of the book, 4th of 6 against a median of 0.30%; 0.44% is 30 to 89 days past due, and the allowance covers them 3.1 times. Commercial real estate is 8.9% of loans, the lowest in the cohort against a median of 32.9%, and 39% of capital, below the 300% screen, with construction at 18% against the 100% screen.

Return on assets is 0.90%, the lowest in the cohort against a median of 1.19%, on an efficiency ratio of 62.2%, 3rd of 6. Five years ago it was 0.98%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansMT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 32.9% Bo Bank of Bridger N.A. 8.9% Bo Bank of Montana 10.6% FS Farmers State Bank 32.7% LH Little Horn State Bank 33.0% AB American Bank 34.0% FM First Montana Bank Inc 35.3%
Loans, year over yearMT banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +0.9% LH Little Horn State Bank +15.9% FS Farmers State Bank +10.9% Bo Bank of Bridger N.A. +5.0% FM First Montana Bank Inc -3.1% AB American Bank -3.4% Bo Bank of Montana -4.4%

SBA 7(a), FY2008 to FY2026

Bank of Bridger N.A. is the 8th largest 7(a) lender into Montana of 172, with $43M across 215 loans, 2.6% of everything approved in the state (Glacier Bank leads with $190M). 10 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Montana, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Big Horn, WY$21M1st of 1080.6%-39.0 pts
Carbon, MT$11M1st of 1136.4%-3.7 pts
Park, WY$10M1st of 2331.2%-59.0 pts
Yellowstone, MT$8M10th of 582.4%-0.8 pts
Valley, MT$8M1st of 583.1%+35.3 pts
Silver Bow, MT$7M2nd of 2220.1%quiet FY2020
Hot Springs, WY$7M1st of 494.2%-3.8 pts
Park, MT$3M4th of 199.0%quiet FY2021
Phillips, MT$3M1st of 746.0%+38.5 pts
Washakie, WY$2M5th of 1011.7%-15.9 pts
Deer Lodge, MT$680K2nd of 821.1%quiet FY2021
Sheridan, MT$650K5th of 811.8%thin
Richland, MT$631K5th of 114.5%quiet FY2022
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction105$19M23.1%0.06%239th of 2,063
Accommodation & food services52$10M12.3%0.01%560th of 2,596
Retail trade36$9M11.1%0.02%511th of 2,589
Manufacturing39$9M10.3%0.02%511th of 2,246
Wholesale trade53$8M9.6%0.03%337th of 1,651
7(a) lenders into Montana, share of approvals since FY2008172 lenders on record; the ten largest and Bank of Bridger N.A.
GB Glacier Bank 11.4% $190M · 1,055 loans TY The Yellowstone Bank 8.3% $138M · 434 loans FI First Interstate Bank 8.2% $136M · 514 loans LO Live Oak Banking Company 6.4% $106M · 82 loans WF Wells Fargo Bank National Associa… 6.1% $101M · 426 loans SB Stockman Bank of Montana 3.9% $64M · 336 loans TR Three Rivers Bank of Montana 3.5% $58M · 162 loans Bo Bank of Bridger National Associat… 2.6% $43M · 215 loans OB Opportunity Bank of Montana 2.3% $38M · 101 loans AG Alaska Growth Capital Bidco, Inc. 2.3% $38M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bank of Bridger N.A.RankCohort median
Total CRE against capital, the 300% screen39%2nd of 6189%
Construction against capital, the 100% screen18%2nd of 655%
Construction and land development, share of loans4.0%1st of 69.3%
Non-owner-occupied nonfarm nonresidential, share of loans4.3%2nd of 615.5%
Total CRE, the guidance definition, share of loans8.9%1st of 632.9%
CRE growth over 36 months, the third prong-9.2%3rd of 6-6.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of Bridger N.A.$803M0.9%62.2%0.47%0.00%1.5%53.3%8.5%
Farmers State Bank$790M0.9%72.9%0.68%0.04%1.3%79.1%6.8%
American Bank$630M1.4%66.1%0.00%0.00%1.7%70.3%9.4%
First Montana Bank Inc$530M1.1%66.3%0.13%0.07%1.0%73.5%9.9%
Little Horn State Bank$413M1.3%44.0%1.15%0.51%1.4%102.2%10.2%
Bank of Montana$309M3.1%26.3%0.00%0.00%0.5%27.4%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of Bridger N.A.Cohort median
20212026Change20212026Change
Loans$319M$389M+22%$300M$372M+24%
Deposits$637M$730M+14%$477M$501M+5%
NPA / loans0.61%0.47%-0.13 pts0.49%0.30%-0.19 pts
Efficiency59.7%62.2%+2.4 pts61.2%64.1%+2.9 pts
ROA0.98%0.90%-0.08 pts1.51%1.19%-0.32 pts

This read was prepared for Bank of Bridger N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Bridger N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MT banks $300M to $1B
Institution www.bankofbridger.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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