Total Assets
$799M
Total balance-sheet footings
FDIC Cert #2224 · Bridger, Montana · Est. 1906
Bank of Bridger, National Association - FDIC Bank Health Profile
A community-scale look at Bank of Bridger, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $799M
- Total assets
- A
- Health grade · Excellent
- 0.72%
- Return on assets
- 19.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Bridger, National Association earns a PlainBankData health grade of A (82/100), with well-capitalized at 19.70% Tier 1, 0.72% ROA, 66% efficiency ratio.
- #1,265
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 19.70%
- Tier 1 ratio - above the 10% well-capitalized line
- 26th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Bridger, National Association's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Bridger, National Association's composite health score
Tier 1 Capital Ratio (19.70%) 40/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (4.10%) 20/20
Efficiency Ratio (65.60%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$703M
Customer-funded liabilities
Net Loans
$367M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Bridger, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Bridger, National Association's score of 82/100 falls in the highlighted band.
Bank of Bridger, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Bridger, National Association's $799M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.70% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.70%
Texas Ratio
4.10%
Equity Capital
$69M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
9.30%
Efficiency Ratio
65.60%
What the numbers say about Bank of Bridger, National Association
Bank of Bridger, National Association is an FDIC-insured institution (Certificate #2224) headquartered in Bridger, Montana, established in 1906. It holds $799M in total assets - 1,265th of 4,313 FDIC-insured banks, $703M in customer deposits, and $367M in net loans. Its capital position: a Tier 1 ratio of 19.70%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.10% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Bridger, National Association sits 8th of 36 banks headquartered in Montana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$35M
Interest Income
$1M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Bridger, National Association reports a Texas Ratio of 4.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Montana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Bridger, National Association (FDIC Cert #2224) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Glacier BankKalispell | $32.0B | B | 0.90% |
| First Interstate BankBillings | $26.6B | A | 1.20% |
| Stockman Bank of MontanaMiles City | $7.6B | A | 1.87% |
| Opportunity Bank of MontanaHelena | $2.1B | B | 0.83% |
| The Yellowstone BankLaurel | $1.4B | A | 2.85% |
| Independence BankHavre | $1.3B | A | 1.57% |
| TrailWest BankLolo | $1.1B | A | 1.88% |
| Farmers State BankVictor | $774M | B | 0.96% |
Frequently asked questions
What is Bank of Bridger, National Association's health grade?▼
Bank of Bridger, National Association receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Bridger, National Association?▼
Bank of Bridger, National Association holds $799M in total assets and $703M in deposits, ranking 1,265th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bridger, Montana.
Is my money safe at Bank of Bridger, National Association?▼
Yes, deposits at Bank of Bridger, National Association (Certificate #2224) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Bridger, National Association's Tier 1 Capital Ratio?▼
Bank of Bridger, National Association has a Tier 1 Capital Ratio of 19.70%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Bridger, National Association?▼
Bank of Bridger, National Association has a Texas Ratio of 4.10%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Bridger, National Association?▼
Bank of Bridger, National Association has an Efficiency Ratio of 65.60%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Bridger, National Association's profile as a depositor or analyst.
- Bank of Bridger, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Bridger, National Association against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.