Stockman Bank of Montana
Miles City, Montana, Custer County
$7.7B in total assets, the 206th largest of 4,309 US banks and 3rd of 35 headquartered in Montana.
- FDIC certificate
- 16191
- Established
- 1944
- Owned by
- Stockman Financial Corp
- Primary regulator
- FDIC
- Website
- www.stockmanbank.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 | $7.7B | 96% | $2.0B | |
| Loans | $5.2B | 94% | $1.4B | |
| Deposits | $6.2B | 95% | $1.7B | |
| Return on assets | 2.03% | 90% | 1.23% | |
| Net interest margin | 3.89% | 61% | 3.71% | |
| Efficiency ratio | 50.4% | 24% | 59.1% | |
| Equity to assets | 9.74% | 37% | 10.38% | |
| Loans to deposits | 84% | 41% | 88% |
Growth
Total assets grew 8.4% a year over the last 5 years and 9.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2014 | Basin State Bank Stanford, MT, an affiliate under the same holding company | $153M |
| May 2001 | Stockman Bank, National Association Conrad, MT, an affiliate under the same holding company | $94M |
| Sep 1999 | State Bank of Terry Terry, MT | $38M |
| Jul 1997 | Stockman Bank of Billings Billings, MT, an affiliate under the same holding company | $33M |
| Apr 1997 | FirstWest Bank Glendive, MT, an affiliate under the same holding company | $112M |
| Apr 1997 | Richland Bank & Trust Sidney, MT, an affiliate under the same holding company | $76M |
Where they operate
47 branches in 22 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Yellowstone County, MT | $1.3B | 17.1% | 3 of 12 |
| Custer County, MT | $691M | 75.6% | 1 of 3 |
| Gallatin County, MT | $690M | 13.2% | 2 of 16 |
| Cascade County, MT | $569M | 26.1% | 1 of 11 |
| Missoula County, MT | $515M | 13.1% | 3 of 11 |
| Richland County, MT | $447M | 64.8% | 1 of 4 |
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 10 branches since 2016 (37 to 47, +27.0%). 12 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 37 | |||
| 2019 | Opened Missoula | 1 | 0 | +1 | 38 |
| 2020 | Opened Missoula | 1 | 0 | +1 | 39 |
| 2021 | Opened KalispellClosed Missoula | 1 | 1 | 0 | 39 |
| 2022 | Closed Dillon | 0 | 1 | −1 | 38 |
| 2023 | Opened Bozeman and Whitefish | 2 | 0 | +2 | 40 |
| 2024 | Opened Kalispell | 1 | 0 | +1 | 41 |
| 2025 | Opened 6 in Montana | 6 | 0 | +6 | 47 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 32% | |
| Construction and land | 23% | 8% | |
| 1-4 family residential | 18% | 25% | |
| Farmland | 10% | 3% | |
| Multifamily | 5% | 8% | |
| Business (C&I) | 4% | 14% | |
| Agricultural | 3% | 2% | |
| Consumer | 1% | 4% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 52% | |
| Noninterest-bearing | 25% | 21% | |
| Time deposits | 23% | 27% |
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 | 0.60% | 0.51% |
| Net charge-offs, annualized | 0.02% | 0.04% |
| Reserves to loans | 1.83% | 1.15% |
| Leverage ratio | 9.89% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Yellowstone 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/stockman-montana