Total Assets
$7.6B
Total balance-sheet footings
FDIC Cert #16191 · Miles City, Montana · Est. 1944
Stockman Bank of Montana - FDIC Bank Health Profile
A community-scale look at Stockman Bank of Montana's own numbers, pulled straight from its quarterly FDIC Call Report.
- $7.6B
- Total assets
- A
- Health grade · Excellent
- 1.87%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
Stockman Bank of Montana earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.59% Tier 1, profitable at 1.87% ROA, efficient (50% cost ratio).
- #208
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 11.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- 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 Stockman Bank of Montana's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Stockman Bank of Montana's composite health score
Tier 1 Capital Ratio (11.59%) 28/40
Return on Assets (ROA) (1.87%) 25/25
Texas Ratio (4.07%) 20/20
Efficiency Ratio (49.93%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$6.2B
Customer-funded liabilities
Net Loans
$5.0B
Outstanding loan book
Net Income
$132M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Stockman Bank of Montana ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stockman Bank of Montana's score of 88/100 falls in the highlighted band.
Stockman Bank of Montana'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). Stockman Bank of Montana's $7.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.59%
Texas Ratio
4.07%
Equity Capital
$732M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.87%
Return on Equity (ROE)
19.50%
Efficiency Ratio
49.93%
What the numbers say about Stockman Bank of Montana
Stockman Bank of Montana is an FDIC-insured institution (Certificate #16191) headquartered in Miles City, Montana, established in 1944. It holds $7.6B in total assets - 208th of 4,313 FDIC-insured banks, $6.2B in customer deposits, and $5.0B in net loans. Capital-wise, the Tier 1 ratio sits at 11.59%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.07%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Stockman Bank of Montana sits in the top decile of all FDIC-insured institutions by asset size (208th of 4,313), and within Montana it ranks 3rd of 36 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Opportunity Bank of Montana, at $2.1B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$392M
Interest Income
$34M
Non-Interest Income
$147M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Stockman Bank of Montana reports a Texas Ratio of 4.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.07% - 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) Stockman Bank of Montana (FDIC Cert #16191) - 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% |
| 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% |
| Farmers State BankVictor | $774M | B | 0.96% |
Frequently asked questions
What is Stockman Bank of Montana's health grade?▼
Stockman Bank of Montana receives a health grade of A (88/100) 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 Stockman Bank of Montana?▼
Stockman Bank of Montana holds $7.6B in total assets and $6.2B in deposits, ranking 208th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miles City, Montana.
Is my money safe at Stockman Bank of Montana?▼
Yes, deposits at Stockman Bank of Montana (Certificate #16191) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Stockman Bank of Montana's Tier 1 Capital Ratio?▼
Stockman Bank of Montana has a Tier 1 Capital Ratio of 11.59%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Stockman Bank of Montana?▼
Stockman Bank of Montana has a Texas Ratio of 4.07%. 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 Stockman Bank of Montana?▼
Stockman Bank of Montana has an Efficiency Ratio of 49.93%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Stockman Bank of Montana's profile as a depositor or analyst.
- Stockman Bank of Montana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Stockman Bank of Montana 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.