State directory · MT

Montana Banks

Every FDIC-insured bank headquartered in Montana, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
36
FDIC banks
82/100
Avg health score
$79.0B
Total assets
0
Failures since 2000

Data updated July 2026

The state picture

Montana's 36 FDIC banks hold $79.0B in assets and average 82/100 on health - 97% earn an A or B grade.

36
FDIC-insured banks
97%
grade A or B (35 banks)
$32.0B
largest - Glacier Bank
0
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Montana's average health score of 82/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
21
58% of banks
B
14
39% of banks
C
1
3% of banks
D
0
0% of banks
F
0
0% of banks

Largest banks in Montana

Top 10 Montana banks by total assets
  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

  6. 6
    Independence Bank $1.3B

    Havre, MT · Grade A

  7. 7
    TrailWest Bank $1.1B

    Lolo, MT · Grade A

  8. 8
    Bank of Bridger $799M

    Bridger, MT · Grade A

  9. 9
    Farmers State Bank $774M

    Victor, MT · Grade B

  10. 10
    American Bank $629M

    Bozeman, MT · Grade A

Top 10 of 36 Montana banks · FDIC Call Report Q4 2025.

Montana banks by health grade

0 5 10 15 20 25 A B C D F 21 14 1 0 0

How Montana compares nationally

Montana ranks #10 of 55 states and territories by average bank health score - better than 83% of them.

States grouped by average health score

All 36 Montana banks

Bank Assets Grade
Glacier Bank $32.0B B
First Interstate Bank $26.6B A
Stockman Bank of Montana $7.6B A
Opportunity Bank of Montana $2.1B B
The Yellowstone Bank $1.4B A
Independence Bank $1.3B A
TrailWest Bank $1.1B A
Bank of Bridger, National Association $799M A
Farmers State Bank $774M B
American Bank $629M A
First Montana Bank, Inc. $564M A
Little Horn State Bank $396M B
Three Rivers Bank of Montana $311M B
Bank of Montana $285M A
Manhattan Bank $275M A
Bank of The Rockies $270M A
Madison Valley Bank $262M B
Valley Bank of Kalispell $206M B
Valley Bank of Ronan $203M A
The First State Bank of Malta $201M B
Eagle Bank $194M A
First State Bank of Forsyth $170M B
The First State Bank of Shelby $164M A
Citizens Bank & Trust Company $163M A
The Bank of Baker $163M B
Freedom Bank $144M A
Pioneer Federal Savings and Loan Association $120M C
Ascent Bank $110M A
Garfield County Bank $104M A
Bank of Bozeman $99M B
First Security Bank of Roundup $93M A
Belt Valley Bank $89M A
First Security Bank of Deer Lodge $88M B
First Citizens Bank of Butte $70M B
Peoples Bank of Deer Lodge $53M B
Davidson Trust Co. $13M A

How to read the Montana bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Montana. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 36 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Montana, 35 institutions (97%) sit in the A or B band, while 0 (0%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, no banks headquartered in Montana have failed. Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Montana directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.