RANKING ·
Lowest efficiency ratio in Montana
29 of 35 banks in Montana that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Bank of Montana | Missoula, MT | 23.5% | $309 million |
| 2 | The Yellowstone Bank | Laurel, MT | 32.1% | $1.3 billion |
| 3 | Eagle Bank | Polson, MT | 41.0% | $180 million |
| 4 | First State Bank of Forsyth | Forsyth, MT | 42.2% | $166 million |
| 5 | Independence Bank | Havre, MT | 42.3% | $1.4 billion |
| 6 | Little Horn State Bank | Hardin, MT | 45.3% | $413 million |
| 7 | Valley Bank of Kalispell | Kalispell, MT | 51.5% | $218 million |
| 8 | Citizens Bank & Trust Company | Big Timber, MT | 51.5% | $155 million |
| 9 | The First State Bank of Malta | Malta, MT | 51.9% | $190 million |
| 10 | Stockman Bank of Montana | Miles City, MT | 52.0% | $7.7 billion |
| 11 | Trailwest Bank | Lolo, MT | 53.3% | $1.1 billion |
| 12 | The First State Bank of Shelby | Shelby, MT | 55.7% | $176 million |
| 13 | Freedom Bank | Columbia Falls, MT | 57.0% | $157 million |
| 14 | First Interstate Bank | Billings, MT | 57.2% | $25.8 billion |
| 15 | Ascent Bank | Helena, MT | 57.3% | $104 million |
| 16 | Glacier Bank | Kalispell, MT | 57.8% | $31.6 billion |
| 17 | Garfield County Bank | Jordan, MT | 58.2% | $108 million |
| 18 | Manhattan Bank | Manhattan, MT | 61.8% | $287 million |
| 19 | Bank of the Rockies | Helena, MT | 62.3% | $277 million |
| 20 | Bank of Bridger N.A. | Bridger, MT | 62.8% | $803 million |
| 21 | First Montana Bank Inc. | Missoula, MT | 64.1% | $530 million |
| 22 | The Bank of Baker | Baker, MT | 64.7% | $161 million |
| 23 | Three Rivers Bank of Montana | Kalispell, MT | 64.9% | $293 million |
| 24 | American Bank | Bozeman, MT | 66.2% | $630 million |
| 25 | Madison Valley Bank | Ennis, MT | 66.6% | $264 million |
| 26 | Farmers State Bank | Victor, MT | 72.8% | $790 million |
| 27 | Valley Bank of Ronan | Ronan, MT | 73.9% | $218 million |
| 28 | Opportunity Bank of Montana | Helena, MT | 75.8% | $2.1 billion |
| 29 | Bank of Bozeman | Bozeman, MT | 76.8% | $108 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings