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Distressed Note Industry
Montana Commercial & Industrial
Analyzing commercial & industrial loan performance across 70 Montana banks
As of Q2 2025, 70 Montana banks report commercial & industrial portfolios totaling $8.7B. Non-performing loans in this category total $125.7M — an average NPL ratio of 1.44% — with $38.8M 30-89 days delinquent, $4.0M 90+ days delinquent, and $121.7M in nonaccrual status. The most distressed lender in this category is FIRST SECURITY BANK OF ROUNDUP (MT) with an NPL ratio of 7.11%.
Total Lenders
70
Total Loan Portfolio
$8.7B
Total NPL
$125.7M
Average NPL %
1.44%
Delinquency Breakdown
30-89 Days
$38.8M
90+ Days
$4.0M
Nonaccrual
$121.7M
Charge-offs
$15.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Montana
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST SECURITY BANK OF ROUNDUP | MT | $9.9M | $703K | 7.11% |
| FIRST SECURITY BANK OF ROUNDUP | MT | $9.9M | $703K | 7.11% |
| AMERICAN BANK | MT | $85.0M | $5.1M | 6.01% |
| AMERICAN BANK | MT | $85.0M | $5.1M | 6.01% |
| BANK OF BRIDGER, NATIONAL ASSOCIATION | MT | $28.2M | $1.2M | 4.36% |
| BANK OF BRIDGER, NATIONAL ASSOCIATION | MT | $28.2M | $1.2M | 4.36% |
| FIRST STATE BANK OF FORSYTH | MT | $11.0M | $349K | 3.17% |
| FIRST STATE BANK OF FORSYTH | MT | $11.0M | $349K | 3.17% |
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