Call reports 2025
OPPORTUNITY BANK OF MONTANA — 2025
What OPPORTUNITY BANK OF MONTANA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,085,207,000 | 2,134,884,000 | 2,117,510,000 | 2,103,648,000 |
| Total loans | 1,529,731,000 | 1,583,313,000 | 1,568,135,000 | 1,526,471,000 |
| Allowance for loan losses | 16,720,000 | 17,730,000 | 17,740,000 | 17,370,000 |
| Securities available for sale | 290,941,000 | 284,313,000 | 279,221,000 | 281,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,702,423,000 | 1,751,930,000 | 1,768,948,000 | 1,807,259,000 |
| Interest-bearing deposits | 1,289,686,000 | 1,334,142,000 | 1,338,949,000 | 1,347,445,000 |
| Noninterest-bearing deposits | 412,737,000 | 417,788,000 | 429,999,000 | 459,814,000 |
| Equity capital | 230,697,000 | 235,108,000 | 240,238,000 | 245,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 26,209,000 | 53,503,000 | 81,486,000 | 109,009,000 |
| Interest expense | 8,537,000 | 16,915,000 | 25,291,000 | 32,685,000 |
| Net interest income | 17,672,000 | 36,588,000 | 56,195,000 | 76,324,000 |
| Noninterest income | 3,833,000 | 8,487,000 | 13,069,000 | 17,901,000 |
| Noninterest expense | 16,668,000 | 34,280,000 | 52,446,000 | 70,404,000 |
| Provision for loan losses | -128,000 | 930,000 | 1,012,000 | 741,000 |
| Pretax income | 4,784,000 | 9,708,000 | 15,636,000 | 22,613,000 |
| Income tax | 856,000 | 1,852,000 | 3,435,000 | 5,025,000 |
| Net income | 3,928,000 | 7,856,000 | 12,201,000 | 17,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 213,267,000 | 216,849,000 | 219,140,000 | 222,576,000 |
| Total capital | 231,557,000 | 236,129,000 | 238,410,000 | 241,786,000 |
| Risk-weighted assets | 1,697,940,000 | 1,747,214,000 | 1,729,359,000 | 1,692,748,000 |