Bank of Bridger, National Association
Bridger, Montana, Carbon County
$803M in total assets, the 1,282nd largest of 4,309 US banks and 8th of 35 headquartered in Montana.
- FDIC certificate
- 2224
- Established
- 1906
- Owned by
- Bridger Co The
- Primary regulator
- OCC
- Website
- www.bankofbridger.com
At a glance
Compared with 22 banks headquartered in Montana with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $803M | 98% | $204M | |
| Loans | $389M | 91% | $113M | |
| Deposits | $730M | 98% | $181M | |
| Return on assets | 0.85% | 9% | 1.31% | |
| Net interest margin | 3.20% | 9% | 4.15% | |
| Efficiency ratio | 61.0% | 50% | 59.8% | |
| Equity to assets | 8.54% | 14% | 10.02% | |
| Loans to deposits | 53% | 18% | 75% |
Growth
Total assets grew 2.2% a year over the last 5 years and 7.1% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2019 | First Security Bank of Malta Malta, MT, an affiliate under the same holding company | $41M |
| Oct 2019 | Valley Bank Glasgow, MT, an affiliate under the same holding company | $37M |
| Jan 2017 | Montana State Bank Plentywood, MT, an affiliate under the same holding company | $83M |
| Mar 2004 | Bank of Bridger Bridger, MT, an affiliate under the same holding company | $51M |
Where they operate
12 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Big Horn County, WY | $250M | 51.8% | 1 of 4 |
| Carbon County, MT | $166M | 65.8% | 1 of 2 |
| Sheridan County, MT | $80M | 28.9% | 2 of 4 |
| Park County, WY | $55M | 4.9% | 6 of 7 |
| Phillips County, MT | $49M | 19.0% | 2 of 3 |
| Blaine County, MT | $47M | 41.1% | 2 of 2 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (9 to 12, +33.3%). 0 opened, 3 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2017 | Acquired Montana State Bank | 1 | 0 | +1 | 10 |
| 2019 | Acquired First Security Bank of Malta and Valley Bank | 2 | 0 | +2 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 28% | 25% | |
| Farmland | 25% | 10% | |
| Commercial real estate | 18% | 26% | |
| Agricultural | 12% | 9% | |
| Business (C&I) | 8% | 16% | |
| Consumer | 4% | 3% | |
| Construction and land | 4% | 8% | |
| Multifamily | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 47% | |
| Noninterest-bearing | 23% | 27% | |
| Time deposits | 22% | 26% |
Brokered deposits are 0.0% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.30% | 0.62% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.46% | 1.43% |
| Leverage ratio | 10.08% | 10.27% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Big Horn County, WY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-bridger-mt