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Distressed Note Industry
Montana Consumer Loans
Analyzing consumer loans loan performance across 78 Montana banks
As of Q2 2025, 78 Montana banks report consumer loans portfolios totaling $1.2B. Non-performing loans in this category total $6.9M — an average NPL ratio of 0.58% — with $16.6M 30-89 days delinquent, $978K 90+ days delinquent, and $5.9M in nonaccrual status. The most distressed lender in this category is FIRST STATE BANK OF FORSYTH (MT) with an NPL ratio of 3.21%.
Total Lenders
78
Total Loan Portfolio
$1.2B
Total NPL
$6.9M
Average NPL %
0.58%
Delinquency Breakdown
30-89 Days
$16.6M
90+ Days
$978K
Nonaccrual
$5.9M
Charge-offs
$11.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Montana
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST STATE BANK OF FORSYTH | MT | $3.2M | $103K | 3.21% |
| FIRST STATE BANK OF FORSYTH | MT | $3.2M | $103K | 3.21% |
| THREE RIVERS BANK OF MONTANA | MT | $2.7M | $57K | 2.14% |
| THREE RIVERS BANK OF MONTANA | MT | $3.3M | $57K | 1.74% |
| CITIZENS BANK & TRUST COMPANY | MT | $2.0M | $22K | 1.10% |
| CITIZENS BANK & TRUST COMPANY | MT | $2.0M | $22K | 1.10% |
| GLACIER BANK | MT | $3.6M | $38K | 1.05% |
| VALLEY BANK OF RONAN | MT | $6.4M | $63K | 0.98% |
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