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Stockman Bank of Montana
Miles City, MT·FDIC Cert #16191·Charter: STATE·Est. 19440101.0·HC: STOCKMAN FINANCIAL CORP
Total Assets
$7.6B
Q4 2025
Return on Assets
1.87%
+0.12%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.93%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.87%+0.12
ROE
19.50%+1.17
Efficiency
49.93%-1.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.67%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.37%-3.01
Charge-offs
0.03%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.4 | 1.4 | 1.5 | 1.7 | 1.6 | 1.8 | 1.9 |
| ROE | 15.9 | 15.4 | 15.3 | 16.8 | 18.0 | 16.9 | 18.3 | 19.5 |
| Efficiency | 55.6 | 58.0 | 57.2 | 55.4 | 50.4 | 51.3 | 51.0 | 49.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.3 | 0.5 | 0.8 | 0.7 | 0.6 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 78.9 | 80.8 | 82.2 | 80.7 | 81.9 | 84.4 | 83.4 | 80.4 |
Balance Sheet
Total Assets$7.6B
Total Deposits$6.2B
Total Loans$5.0B
Total Equity$731.8M
Profitability
ROA1.87%
ROE19.50%
Efficiency Ratio49.93%
Net Income$132.0M
Risk & Asset Quality
NPL Ratio0.67%
Charge-off Rate0.03%
Loan/Deposit80.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans