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

Opportunity Bank of Montana

Helena, Montana · $2.12B in assets · beside the 11 other the Mountain West banks between $1B and $3B (the state alone holds too few in the band to rank)

The filing

75.0%
Efficiency
12th of 12
0.26%
NPA / loans
2nd of 12
0.85%
ROA
11th of 12

Opportunity Bank of Montana is the sixth largest of the 12 the Mountain West banks nearest its size between $1B and $3B, with $2.12B in assets at 30 June 2026. Loans are 87.2% of deposits, 6th of 12 against a median of 89.0%, and equity is 11.7% of assets, 7th of 12. Loans grew -0.6% in the year, 10th of 12, and deposits grew 3.1%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 0.26% of the book, 2nd of 12 against a median of 1.01%; 0.40% is 30 to 89 days past due, and the allowance covers them 4.2 times. Commercial real estate is 40.6% of loans, 9th of 12 against a median of 32.6%, and 259% of capital, below the 300% screen, with construction at 59% against the 100% screen.

Return on assets is 0.85%, 11th of 12 against a median of 1.88%, on an efficiency ratio of 75.0%, the highest in the cohort. Five years ago it was 1.33%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

The efficiency ratioMountain West banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 49.1% SF Square Finl Services Inc 15.4% QB Quill Bank 32.4% Bo Bank of Commerce 33.4% CN Column National Association 38.9% SB State Bank of Southern Utah 46.1% SN Solera National Bank 49.0% CB Central Bank 49.1% NB Northwest Bank 55.1% CO Credit One Bank N.A. 59.0% TA Transportation Alliance Bank D 61.1% CF Colorado FSB 69.2% OB Opportunity Bank of Montana 75.0%
Loans, year over yearMountain West banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% SF Square Finl Services Inc +124.1% CN Column National Association +70.4% CO Credit One Bank N.A. +41.1% QB Quill Bank +31.3% SN Solera National Bank +19.2% Bo Bank of Commerce +15.3% SB State Bank of Southern Utah +4.6% CF Colorado FSB +3.1% CB Central Bank +0.7% OB Opportunity Bank of Montana -0.6% TA Transportation Alliance Bank D -4.4% NB Northwest Bank -6.2%

SBA 7(a), FY2008 to FY2026

Opportunity Bank of Montana is the 9th largest 7(a) lender into Montana of 172, with $38M across 101 loans, 2.3% of everything approved in the state (Glacier Bank leads with $190M). 14 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
Gallatin, MT$14M6th of 794.7%-0.9 pts
Lewis And Clark, MT$9M5th of 337.3%thin
Jefferson, MT$5M3rd of 1320.8%quiet FY2022
Madison, MT$2M1st of 1031.4%quiet FY2018
Park, MT$2M7th of 195.7%quiet FY2019
Meagher, MT$2M1st of 439.0%quiet FY2010
Yellowstone, MT$2M28th of 580.5%thin
Cascade, MT$1M13th of 271.9%thin
Granite, MT$345K4th of 108.9%quiet FY2013
Mccone, MT$331K2nd of 226.1%quiet FY2012
Teton, MT$296K4th of 65.1%quiet FY2021
Broadwater, MT$230K6th of 86.4%quiet FY2008
Portage, OH$200K54th of 610.1%thin
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
Construction13$8M19.6%0.02%433rd of 2,063
Retail trade14$6M16.6%0.01%626th of 2,589
Arts, entertainment & recreation6$6M14.9%0.04%305th of 1,656
Wholesale trade5$5M13.9%0.02%434th of 1,651
Accommodation & food services23$5M13.8%0.01%792nd of 2,596
7(a) lenders into Montana, share of approvals since FY2008172 lenders on record; the ten largest and Opportunity Bank of Montana
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; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Opportunity Bank of MontanaRankCohort median
Total CRE against capital, the 300% screen259%11th of 12176%
Construction against capital, the 100% screen59%7th of 1258%
Construction and land development, share of loans9.2%5th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans24.2%10th of 1216.7%
Total CRE, the guidance definition, share of loans40.6%9th of 1232.6%
CRE growth over 36 months, the third prong+7.5%2nd of 10+38.8%

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
State Bank of Southern Utah$2.74B1.7%46.1%0.47%0.26%1.2%80.3%11.4%
Credit One Bank N.A.$2.44B23.9%59.0%3.19%11.01%14.6%137.2%27.1%
Bank of Commerce$2.34B2.1%33.4%1.35%0.54%1.6%91.4%14.8%
Colorado FSB$2.31B0.4%69.2%0.50%0.02%0.8%102.5%11.3%
Central Bank$2.16B2.0%49.1%0.47%0.14%3.2%76.8%14.8%
Opportunity Bank of Montana$2.12B0.8%75.0%0.26%0.03%1.1%87.2%11.7%
Square Finl Services Inc$2.06B33.7%15.4%0.67%12.31%7.6%249.0%65.8%
Column National Association$1.77B5.0%38.9%0.06%-0.24%0.6%23.4%9.9%
Transportation Alliance Bank D$1.59B1.1%61.1%1.79%2.23%1.5%90.9%11.3%
Quill Bank$1.56B5.2%32.4%2.54%5.93%3.9%96.7%14.1%
Solera National Bank$1.55B1.6%49.0%1.45%0.05%1.5%69.7%7.7%
Northwest Bank$1.45B1.5%55.1%3.79%0.89%1.5%78.4%16.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Opportunity Bank of MontanaCohort median
20212026Change20212026Change
Loans$931M$1.57B+69%$752M$1.38B+83%
Deposits$1.15B$1.81B+57%$840M$1.48B+77%
NPA / loans0.75%0.26%-0.49 pts0.60%1.01%+0.41 pts
Efficiency74.6%75.0%+0.4 pts51.5%49.1%-2.4 pts
ROA1.33%0.85%-0.48 pts1.58%1.88%+0.30 pts

This read was prepared for Opportunity Bank of Montana'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 Opportunity Bank of Montana 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 Mountain West banks $1B to $3B
Institution www.opportunitybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England 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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