American Bank
Bozeman, Montana, Gallatin County
$630M in total assets, the 1,526th largest of 4,309 US banks and 10th of 35 headquartered in Montana.
- FDIC certificate
- 20311
- Established
- 1970
- Owned by
- Guaranty Development Co
- Primary regulator
- FDIC
- Website
- www.americanbankmontana.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 | $630M | 91% | $204M | |
| Loans | $397M | 96% | $113M | |
| Deposits | $564M | 91% | $181M | |
| Return on assets | 1.70% | 82% | 1.23% | |
| Net interest margin | 4.11% | 46% | 4.15% | |
| Efficiency ratio | 66.1% | 73% | 59.3% | |
| Equity to assets | 9.40% | 32% | 10.02% | |
| Loans to deposits | 70% | 46% | 75% |
Growth
Total assets grew 0.7% a year over the last 5 years and 6.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 1998 | American Bank (Whitefish) Whitefish, MT, an affiliate under the same holding company | $10M |
| Oct 1992 | First Security Bank of Livingston Livingston, MT, an affiliate under the same holding company | $57M |
| Oct 1992 | InterWest Bank of Montana Bozeman, MT | $29M |
| Oct 1992 | First Security Bank of Big Timber Big Timber, MT, an affiliate under the same holding company | $13M |
Where they operate
6 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Gallatin County, MT | $341M | 6.5% | 5 of 16 |
| Park County, MT | $117M | 19.9% | 3 of 5 |
| Flathead County, MT | $73M | 1.9% | 10 of 12 |
| Sweet Grass County, MT | $33M | 19.8% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 6 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 25% | |
| Business (C&I) | 24% | 15% | |
| 1-4 family residential | 16% | 26% | |
| Construction and land | 13% | 8% | |
| Multifamily | 6% | 2% | |
| Farmland | 4% | 11% | |
| Consumer | 0% | 3% | |
| Agricultural | 0% | 10% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 47% | |
| Noninterest-bearing | 31% | 26% | |
| Time deposits | 15% | 27% |
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 | 0.00% | 0.62% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.67% | 1.43% |
| Leverage ratio | 11.12% | 10.17% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Gallatin County, MT
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/american-bank-bozeman-mt