Opportunity Bank of Montana
Helena, Montana, Lewis And Clark County
$2.1B in total assets, the 592nd largest of 4,309 US banks and 4th of 35 headquartered in Montana.
- FDIC certificate
- 30182
- Established
- 1922
- Owned by
- Eagle Bcorp Montana Inc
- Primary regulator
- FED
- Website
- www.opportunitybank.com
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.1B | 53% | $2.0B | |
| Loans | $1.6B | 55% | $1.4B | |
| Deposits | $1.8B | 54% | $1.7B | |
| Return on assets | 0.88% | 23% | 1.23% | |
| Net interest margin | 4.32% | 82% | 3.71% | |
| Efficiency ratio | 74.0% | 86% | 59.1% | |
| Equity to assets | 11.72% | 72% | 10.38% | |
| Loans to deposits | 87% | 47% | 88% |
Growth
Total assets grew 9.4% a year over the last 5 years and 12.4% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2022 | First Community Bank Glasgow, MT | $386M |
| Jan 2020 | Western Bank of Wolf Point Wolf Point, MT | $103M |
| Jan 2019 | The State Bank of Townsend Townsend, MT | $107M |
| Feb 2018 | Ruby Valley Bank Twin Bridges, MT | $96M |
Where they operate
30 branches in 16 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lewis And Clark County, MT | $369M | 14.1% | 3 of 13 |
| Gallatin County, MT | $249M | 4.7% | 8 of 16 |
| Roosevelt County, MT | $186M | 56.4% | 1 of 2 |
| Valley County, MT | $174M | 50.4% | 1 of 4 |
| Silver Bow County, MT | $125M | 13.8% | 3 of 7 |
| Broadwater County, MT | $118M | 100.0% | 1 of 1 |
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 17 branches since 2016 (13 to 30, +130.8%). 10 opened, 14 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2017 | Opened Billings and Great Falls | 2 | 0 | +2 | 15 |
| 2018 | Acquired Ruby Valley Bank | 2 | 0 | +2 | 17 |
| 2019 | Acquired The State Bank of TownsendOpened Billings and Great Falls, closed Townsend | 6 | 1 | +5 | 22 |
| 2020 | Acquired Western Bank of Wolf PointClosed Great Falls | 1 | 1 | 0 | 22 |
| 2021 | Opened 4 in MontanaClosed Billings and Missoula | 4 | 2 | +2 | 24 |
| 2022 | Acquired First Community BankOpened Billings, closed Billings | 8 | 1 | +7 | 31 |
| 2023 | Closed Bozeman and Missoula | 0 | 2 | −2 | 29 |
| 2025 | Opened Missoula | 1 | 0 | +1 | 30 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 32% | |
| 1-4 family residential | 17% | 25% | |
| Farmland | 10% | 3% | |
| Business (C&I) | 10% | 14% | |
| Construction and land | 9% | 8% | |
| Agricultural | 9% | 2% | |
| Multifamily | 7% | 8% | |
| Consumer | 1% | 4% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 52% | |
| Time deposits | 26% | 27% | |
| Noninterest-bearing | 25% | 21% |
Brokered deposits are 0.0% of deposits (peers 6.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.25% | 0.51% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.12% | 1.15% |
| Leverage ratio | 10.93% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Lewis And Clark 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/opportunity-montana