FDIC Cert #21557 · Kalispell, Montana · Est. 1974

Three Rivers Bank of Montana - FDIC Bank Health Profile

A community-scale look at Three Rivers Bank of Montana's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$311M
Total assets
B
Health grade · Good
0.99%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Three Rivers Bank of Montana earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.93% Tier 1, 0.99% ROA, 71% efficiency ratio.

#2,439
largest of 4,313 FDIC banks by assets
43rd
percentile by asset size, nationally
10.93%
Tier 1 ratio - above the 10% well-capitalized line
42nd
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.

FDIC Call Report plate

Cert 21557 · MT B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3438/4307
  • PHOTO-FINISH Cornerstone State Bank · MN
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-PAR 0.99% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Cornerstone State Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Three Rivers Bank of Montana

Lowest and highest poles plus nearest scored peers outside Montana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cornerstone State Bank · MN …66/100First State Bank of… · AR · …66/100Kirkwood Bank & Trus… · ND ·…66/100PeoplesSouth Bank · GA · near66/100Three Rivers Bank of… · MT ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Three Rivers Bank of Montana · July 2026

Plate reading for Three Rivers Bank of Montana where failures stay rare

Three Rivers Bank of Montana (FDIC Cert #21557) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,438 of 4,307. Tier 1 capital prints at 10.93%, clearing the 10% well-capitalized line. The Texas Ratio is 4.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.99%. Balance-sheet scale is $311M, 2,439th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cornerstone State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Three Rivers Bank of Montana

Zero FAILURE resolutions in Montana since 2000

Three Rivers Bank of Montana is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Montana banks.

How Three Rivers Bank of Montana's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Three Rivers Bank of Montana's composite health score
Tier 1 Capital Ratio (10.93%) 28/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (4.62%) 20/20
Efficiency Ratio (71.07%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$311M

Total balance-sheet footings

Total Deposits

$277M

Customer-funded liabilities

Net Loans

$255M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.53% 10.93% 12.33%
Basel III capital ratios - Three Rivers Bank of Montana

Where Three Rivers Bank of Montana ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Three Rivers Bank of Montana's score of 66/100 falls in the highlighted band.

Three Rivers Bank of Montana: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Three Rivers Bank of Montana 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Three Rivers 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). Three Rivers Bank of Montana's $311M falls in the highlighted band.

Safety metrics: Three Rivers Bank of Montana

Tier 1 capital ratio
Well-capitalized 10%

10.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.93%
Texas Ratio
4.62%
Equity Capital
$33M

What these ratios mean →

Profitability metrics: Three Rivers Bank of Montana

Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
10.13%
Efficiency Ratio
71.07%

What these mean →

Income & expense at Three Rivers Bank of Montana

$19M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Three Rivers Bank of Montana reports a Texas Ratio of 4.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Three Rivers Bank of Montana on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

Top 5 banks in Montana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($311M here), outside Montana so the neighborhood is not state containment.

Heritage Bank $311M · KS Horatio State Bank $311M · AR Farmers and Merchants Bank $311M · AL Community Bank $310M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Three Rivers Bank of Montana (FDIC Cert #21557) - 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.

Three Rivers Bank of Montana Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
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%