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FDIC Call Report Analysis

Which Montana Banks Are Actually Growing Their CRE Book — And Who To Call

20 institutions qualified in Montana: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in Montana

10 of 11 Montana-headquartered institutions.

#InstitutionCRE bookContact
1Glacier Bank
Kalispell · FDIC Cert #30788
$8.93bnContact available
2First Interstate Bank
Billings · FDIC Cert #1105
$5.91bnContact available
3Stockman Bank of Montana
Miles City · FDIC Cert #16191
$2.93bnContact available
4Opportunity Bank of Montana
Helena · FDIC Cert #30182
$640mNo contact yet
5TrailWest Bank
Lolo · FDIC Cert #23806
$280mContact available
6The Yellowstone Bank
Laurel · FDIC Cert #1978
$239mNo contact yet
7Farmers State Bank
Victor · FDIC Cert #342
$172mContact available
8American Bank
Bozeman · FDIC Cert #20311
$135mContact available
9Little Horn State Bank
Hardin · FDIC Cert #11821
$117mContact available
10First Montana Bank, Inc.
Missoula · FDIC Cert #363
$114mContact available

Fastest Growing

7 of 7 institutions met the growth criteria. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1The Bank of Commerce
Ammon · FDIC Cert #18059
+27.7% +$153mContact available
2Stockman Bank of Montana
Miles City · FDIC Cert #16191
+16.5% +$414mContact available
3Bravera Bank
Dickinson · FDIC Cert #22559
+14.0% +$64mNo contact yet
4Citizens Alliance Bank
Clara City · FDIC Cert #1402
+6.4% +$17mNo contact yet
5First Western Trust Bank
Denver · FDIC Cert #57607
+6.2% +$56mContact available
6Glacier Bank
Kalispell · FDIC Cert #30788
+5.2% +$379mContact available
7Opportunity Bank of Montana
Helena · FDIC Cert #30182
+0.7% +$4mNo contact yet

National and Regional Lenders with Branches Here

19 of 19 qualifying institutions shown.

#InstitutionCRE bookContact
1Wells Fargo Bank, National Association
Sioux Falls · FDIC Cert #3511
$103.80bnContact available
2U.S. Bank National Association
Cincinnati · FDIC Cert #6548
$41.71bnContact available
3Glacier Bank
Kalispell · FDIC Cert #30788
$8.93bnContact available
4First Interstate Bank
Billings · FDIC Cert #1105
$5.91bnContact available
5Stockman Bank of Montana
Miles City · FDIC Cert #16191
$2.93bnContact available
6First Western Trust Bank
Denver · FDIC Cert #57607
$961mContact available
7The Bank of Commerce
Ammon · FDIC Cert #18059
$705mContact available
8Opportunity Bank of Montana
Helena · FDIC Cert #30182
$640mNo contact yet
9Bravera Bank
Dickinson · FDIC Cert #22559
$556mNo contact yet
10Citizens Alliance Bank
Clara City · FDIC Cert #1402
$321mNo contact yet
11TrailWest Bank
Lolo · FDIC Cert #23806
$280mContact available
12The Yellowstone Bank
Laurel · FDIC Cert #1978
$239mNo contact yet
13First Federal Bank & Trust
Sheridan · FDIC Cert #29537
$200mContact available
14Unity Bank
Augusta · FDIC Cert #8714
$192mContact available
15Farmers State Bank
Victor · FDIC Cert #342
$172mContact available
16American Bank
Bozeman · FDIC Cert #20311
$135mContact available
17Little Horn State Bank
Hardin · FDIC Cert #11821
$117mContact available
18First Montana Bank, Inc.
Missoula · FDIC Cert #363
$114mContact available
19Independence Bank
Havre · FDIC Cert #20989
$103mContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: JPMorgan Chase Bank, National Association (FDIC Cert #628).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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