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Distressed Note Industry
Montana Commercial Loans
Analyzing commercial loans loan performance across 130 Montana banks
As of Q2 2025, 130 Montana banks report commercial loans portfolios totaling $44.9B. Non-performing loans in this category total $183.9M — an average NPL ratio of 0.41% — with $81.0M 30-89 days delinquent, $4.5M 90+ days delinquent, and $179.4M in nonaccrual status. The most distressed lender in this category is FIRST SECURITY BANK OF ROUNDUP (MT) with an NPL ratio of 20.81%.
Total Lenders
130
Total Loan Portfolio
$44.9B
Total NPL
$183.9M
Average NPL %
0.41%
Delinquency Breakdown
30-89 Days
$81.0M
90+ Days
$4.5M
Nonaccrual
$179.4M
Charge-offs
$5.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Montana
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST SECURITY BANK OF ROUNDUP | MT | $788K | $164K | 20.81% |
| FIRST SECURITY BANK OF ROUNDUP | MT | $788K | $164K | 20.81% |
| GARFIELD COUNTY BANK | MT | $5.6M | $513K | 9.22% |
| GARFIELD COUNTY BANK | MT | $5.6M | $513K | 9.22% |
| FIRST STATE BANK OF FORSYTH | MT | $7.6M | $545K | 7.19% |
| FIRST STATE BANK OF FORSYTH | MT | $11.3M | $545K | 4.84% |
| MADISON VALLEY BANK | MT | $3.9M | $188K | 4.76% |
| BANK OF BRIDGER, NATIONAL ASSOCIATION | MT | $54.6M | $2.1M | 3.92% |
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