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Opportunity Bank Of Montana

IDRSSD: 685676
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #685676 2025-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.26% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
71
Sub-score

Liquidity is stable: brokered 0.4%, loans/deposits 89.4%, cash 1.3% of assets.

Cash / Assets
1.26%
Loans / Deposits
89.36%
Brokered %
0.40%

Watch Items

  • watchCash / Assets below 3% — Cash 1.26% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.08%
No watch items at this period.

Capitalization

StrongQoQ -2
83
Sub-score

Capital position is strong: Tier 1 RBC 12.41%, CET1 12.41%, leverage 10.16%.

Tier 1 RBC
12.41%
CET1
12.41%
Leverage
10.16%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.2%, NCO YTD 0.01%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.01%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 348.8%, true coverage 190.9%.

ALLL / Loans
1.12%
Coverage
348.8%
True Loss Coverage
190.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:42:12 UTC