American Bank
Bozeman, MT
IDRSSD: 630555
Total Assets
$628.77M
Latest filing
Total Deposits
$563.60M
Latest filing
Net Interest Margin
4.30%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
092901227LIVINGSTON, MT
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Bank
1632 W Main St
Bozeman, MT 59715
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/27/1970FDIC Certificate 13984
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Bank (Main) | 1632 W Main St | Bozeman, MT |
| LIVINGSTON BRANCH | 120 N 2nd St | Livingston, MT |
| BIG TIMBER BRANCH | 313 W 1st Ave | Big Timber, MT |
| BIG SKY BRANCH | 78 Meadow Village Dr | Big Sky, MT |
| BOZEMAN - EAST MAIN BRANCH | 501 E Main St | Bozeman, MT |
| WHITEFISH BRANCH | 140 Baker Ave | Whitefish, MT |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/27/1970 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 59715 |
| State and County Number | 30031 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Bozeman, MT |
Operational Info
| Number of Employees | 81 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/25/1970 |
| Primary Insurance Agency | DIF |
| Website | www.americanbankmontana.com |
| Data Updated | 01/30/2026 |
| CERT | 20311 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $628.77M |
| Total Deposits | $563.60M |
| Total Liabilities | $570.87M |
| Total Equity Capital | $57.90M |
| Net Income | $3.11M |
| Net Loans and Leases | $385.53M |
| Assets Per Employee ($Millions) | $7.67M |
| Bank Premises and Fixed Assets | $19.89M |
| Cash and Balances due from Depository Institutions | $77.89M |
| Deposits Held in Domestic Offices | $563.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.98% |
| Return on Equity (ROE) | 21.92% |
| Net Interest Margin | 4.3% |
| Efficiency Ratio | 55.52% |
| Tier 1 Risk-Based Capital Ratio | 15.346% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.209% |
| Earning Assets to total Assets | 93.43% |
Income and Expense
| Total Interest Income | $8.56M |
| Total Noninterest Income | $591.00k |
| Total Interest Expense | $2.26M |
| Total Noninterest Expense | $3.83M |
| Net Interest Income | $6.30M |
| Pre-tax Net Operating Income | $3.11M |
| Provision for Credit Losses | $-40,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $50.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.22M |
| Total Liabilities and Capital | $628.77M |
Securities
| Securities | $128.92M |
| Available-for-sale debt securities | $116.82M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $12.10M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Bank?
$628.77M as of the latest filing.
How much are American Bank's total deposits?
$563.60M in total deposits.
Where is American Bank located?
Bozeman, MT.
What is the Net Interest Margin?
4.30%.
How many domestic offices does it operate?
6.
When was it established?
07/27/1970.
What is the Return on Assets (ROA)?
1.98%.
How much are total loans and leases?
$385.53M (latest filing).
What is the total interest income (latest filing)?
$8.56M.