Three Rivers Bank of Montana
Kalispell, MT
IDRSSD: 610557
Total Assets
$308.29M
Latest filing
Total Deposits
$274.60M
Latest filing
Net Interest Margin
4.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Three Rivers Bank of Montana
233 E Idaho St
Kalispell, MT 59901
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/01/1974FDIC Certificate 14911
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Three Rivers Bank of Montana (Main) | 233 E Idaho St | Kalispell, MT |
| NORTH MERIDIAN BRANCH | 552 N Meridian Rd | Kalispell, MT |
| WHITEFISH BRANCH | 6329 Hwy 93 South | Whitefish, MT |
Showing 2 of 2
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 | 05/01/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 59901 |
| State and County Number | 30029 |
| Subchapter S Corporations | No |
| 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 | Kalispell, MT |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 3 |
| 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 | 05/01/1974 |
| Primary Insurance Agency | DIF |
| Website | WWW.THREERIVERSBANKMONTANA.COM |
| Data Updated | 11/14/2025 |
| CERT | 21557 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $308.29M |
| Total Deposits | $274.60M |
| Total Liabilities | $276.60M |
| Total Equity Capital | $31.69M |
| Net Income | $968.00k |
| Net Loans and Leases | $249.49M |
| Assets Per Employee ($Millions) | $5.41M |
| Bank Premises and Fixed Assets | $11.86M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $274.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 12.35% |
| Net Interest Margin | 4.66% |
| Efficiency Ratio | 69.08% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.42% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.28% |
| Earning Assets to total Assets | 91.82% |
Income and Expense
| Total Interest Income | $4.78M |
| Total Noninterest Income | $740.00k |
| Total Interest Expense | $1.43M |
| Total Noninterest Expense | $2.83M |
| Net Interest Income | $3.35M |
| Pre-tax Net Operating Income | $1.60M |
| Provision for Credit Losses | $-330,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.00M |
| Total Liabilities and Capital | $308.29M |
Securities
| Securities | $18.89M |
| Available-for-sale debt securities | $18.88M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Three Rivers Bank of Montana?
$308.29M as of the latest filing.
How much are Three Rivers Bank of Montana's total deposits?
$274.60M in total deposits.
Where is Three Rivers Bank of Montana located?
Kalispell, MT.
What is the Net Interest Margin?
4.66%.
How many domestic offices does it operate?
3.
When was it established?
05/01/1974.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$249.49M (latest filing).
What is the total interest income (latest filing)?
$4.78M.