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

Stockman Bank of Montana

Miles City, Montana · $7.75B in assets · beside the 11 other the Mountain West banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

55.8%
CRE / loans
12th of 12
349.1%
CRE / capital
12th of 12
+8.9%
Loans, year over year
3rd of 12, largest first

Stockman Bank of Montana is the third largest of the 12 the Mountain West banks between $3B and $10B, with $7.75B in assets at 30 June 2026. Loans are 84.4% of deposits, 6th of 12 against a median of 86.0%, and equity is 9.7% of assets, 9th of 12. Loans grew +8.9% in the year, 3rd of 12, and deposits grew 11.0%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.60% of the book, 7th of 12 against a median of 0.60%; 0.38% is 30 to 89 days past due, and the allowance covers them 3.0 times. Commercial real estate is 55.8% of loans, the highest in the cohort against a median of 34.5%, and 349% of capital, above the 300% screen, with construction at 147% against the 100% screen. CRE has grown +67.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.90%, 4th of 12 against a median of 1.44%, on an efficiency ratio of 50.6%, 5th of 12. Five years ago it was 1.68%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 7.8% of loans).

Commercial real estate, share of loansMountain West banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 34.5% MB Merrick Bank 0.0% WF Wells Fargo National Bank West 0.0% CB Celtic Bank 2.2% GD Green Dot Bank dba Bonneville 17.5% DL D L Evans Bank 27.6% AB Alpine Bank 34.0% FW First Western Trust Bank 35.1% CV Cache Valley Bank 43.1% SB Sunwest Bank 43.3% Bo Bank of Utah 45.5% Bo Bank of Colorado 47.0% SB Stockman Bank of Montana 55.8%
Loans, year over yearMountain West banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB Celtic Bank +37.6% SB Sunwest Bank +14.8% SB Stockman Bank of Montana +8.9% Bo Bank of Colorado +8.7% DL D L Evans Bank +7.0% FW First Western Trust Bank +6.7% CV Cache Valley Bank +6.5% AB Alpine Bank +6.2% Bo Bank of Utah +4.3% MB Merrick Bank +1.5% GD Green Dot Bank dba Bonneville -8.0% WF Wells Fargo National Bank West -11.1%

SBA 7(a), FY2008 to FY2026

Stockman Bank of Montana is the 6th largest 7(a) lender into Montana of 172, with $64M across 336 loans, 3.9% of everything approved in the state (Glacier Bank leads with $190M). 27 of its 30 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
Yellowstone, MT$28M3rd of 588.2%-11.5 pts
Flathead, MT$8M9th of 523.4%-15.4 pts
Richland, MT$8M1st of 1155.4%quiet FY2021
Glacier, MT$4M1st of 441.7%quiet FY2010
Dawson, MT$3M3rd of 1023.0%quiet FY2021
Daniels, MT$2M1st of 472.0%quiet FY2021
Gallatin, MT$1M42nd of 790.4%thin
Mccone, MT$935K1st of 273.9%quiet FY2013
Roosevelt, MT$887K3rd of 918.0%quiet FY2011
Sheridan, MT$870K3rd of 815.8%quiet FY2008
Powder River, MT$815K1st of 266.7%quiet FY2016
Lewis And Clark, MT$780K20th of 330.6%quiet FY2018
Beaverhead, MT$735K5th of 165.9%quiet FY2015
17 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
Retail trade58$14M21.1%0.02%397th of 2,589
Accommodation & food services34$11M17.2%0.01%537th of 2,596
Health care & social assistance26$7M10.9%0.01%461st of 2,172
Construction50$6M9.3%0.02%505th of 2,063
Other services28$6M8.9%0.02%493rd of 2,248
7(a) lenders into Montana, share of approvals since FY2008172 lenders on record; the ten largest and Stockman 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 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Stockman Bank of MontanaRankCohort median
Total CRE against capital, the 300% screen349%12th of 12230%
Construction against capital, the 100% screen147%12th of 1255%
Construction and land development, share of loans23.5%12th of 128.0%
Non-owner-occupied nonfarm nonresidential, share of loans27.5%9th of 1219.4%
Total CRE, the guidance definition, share of loans55.8%12th of 1234.5%
CRE growth over 36 months, the third prong+67.8%10th of 10+36.8%

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
Merrick Bank$9.13B2.5%33.6%3.52%11.62%15.4%117.2%17.6%
Wells Fargo National Bank West$8.77B1.0%23.4%0.97%0.00%0.3%68.4%19.2%
Stockman Bank of Montana$7.75B1.9%50.6%0.60%0.02%1.8%84.4%9.7%
Bank of Colorado$7.61B1.3%51.8%0.10%0.01%1.3%81.2%10.2%
Alpine Bank$6.69B1.3%61.4%0.31%0.12%1.1%75.8%10.8%
Green Dot Bank dba Bonneville$5.44B1.5%92.5%3.56%66.62%17.3%0.8%5.8%
Celtic Bank$5.33B3.3%33.2%3.63%0.46%1.6%117.3%17.4%
Sunwest Bank$4.41B1.6%61.6%0.60%0.00%1.8%103.7%9.3%
Bank of Utah$3.79B1.3%61.6%0.15%0.22%1.2%100.4%12.3%
D L Evans Bank$3.70B1.3%51.6%0.26%0.00%1.4%57.2%9.3%
Cache Valley Bank$3.49B2.0%39.1%0.29%0.09%1.3%87.6%10.5%
First Western Trust Bank$3.24B0.8%73.5%0.60%0.00%0.7%95.9%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stockman Bank of MontanaCohort median
20212026Change20212026Change
Loans$2.81B$5.24B+86%$2.37B$4.00B+69%
Deposits$4.32B$6.21B+44%$2.71B$4.47B+65%
NPA / loans0.60%0.60%+0.00 pts0.31%0.60%+0.29 pts
Efficiency54.0%50.6%-3.4 pts50.5%51.7%+1.2 pts
ROA1.68%1.90%+0.22 pts1.62%1.44%-0.18 pts

This read was prepared for Stockman 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 Stockman 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 $3B to $10B
Institution www.stockmanbank.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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