Total Assets
$270M
Total balance-sheet footings
FDIC Cert #2205 · Helena, Montana · Est. 1883
Bank of The Rockies - FDIC Bank Health Profile
A community-scale look at Bank of The Rockies's own numbers, pulled straight from its quarterly FDIC Call Report.
- $270M
- Total assets
- A
- Health grade · Excellent
- 1.67%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of The Rockies earns a PlainBankData health grade of A (81/100), with well-capitalized at 11.78% Tier 1, profitable at 1.67% ROA, 66% efficiency ratio.
- #2,646
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 11.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of The Rockies's 81/100 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 The Rockies's composite health score
Tier 1 Capital Ratio (11.78%) 28/40
Return on Assets (ROA) (1.67%) 25/25
Texas Ratio (0.34%) 20/20
Efficiency Ratio (65.60%) 8/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$237M
Customer-funded liabilities
Net Loans
$189M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of The Rockies ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of The Rockies's score of 81/100 falls in the highlighted band.
Bank of The Rockies'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 The Rockies's $270M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.78%
Texas Ratio
0.34%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.67%
Return on Equity (ROE)
18.05%
Efficiency Ratio
65.60%
What the numbers say about Bank of The Rockies
Bank of The Rockies is an FDIC-insured institution (Certificate #2205) headquartered in Helena, Montana, established in 1883. It holds $270M in total assets - 2,646th of 4,313 FDIC-insured banks, $237M in customer deposits, and $189M in net loans. Looking at capital strength, Tier 1 stands at 11.78%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.34%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (81/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Montana, Bank of The Rockies ranks 16th of 36 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of The Rockies reports a Texas Ratio of 0.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.34% - 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 The Rockies (FDIC Cert #2205) - 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% |
| Bank of Bridger, National AssociationBridger | $799M | A | 0.72% |
Frequently asked questions
What is Bank of The Rockies's health grade?▼
Bank of The Rockies receives a health grade of A (81/100) 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 The Rockies?▼
Bank of The Rockies holds $270M in total assets and $237M in deposits, ranking 2,646th of 4,313 FDIC-insured banks by asset size. It is headquartered in Helena, Montana.
Is my money safe at Bank of The Rockies?▼
Yes, deposits at Bank of The Rockies (Certificate #2205) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of The Rockies's Tier 1 Capital Ratio?▼
Bank of The Rockies has a Tier 1 Capital Ratio of 11.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of The Rockies?▼
Bank of The Rockies has a Texas Ratio of 0.34%. A ratio below 50% is generally considered 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 The Rockies?▼
Bank of The Rockies has an Efficiency Ratio of 65.60%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of The Rockies's profile as a depositor or analyst.
- Bank of The Rockies's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of The Rockies 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.