Beartooth Bank

Beartooth Bank is headquartered in Billings and is the 60^th largest bank in the state of Montana. It is also the 6,734^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 7 employees at 1 location. Beartooth Bank has a 3-star health rating.

Beartooth Bank Routing Number: 092905469

Data for Q4 2011

Institution Statistics Beartooth Bank FDIC Certificate # 58199 BankRate Report View Year Established 2006 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $38.93 million Loans $26.29 million Deposits $33.70 million Equity Capital $4.85 million Loan Loss Allowance $768,000 Unbacked Noncurrent Loans $649,000 Real Estate Owned $1.33 million Historic Data - December 2010 Assets $41.72 million Equity Capital $4.55 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $672,000 Real Estate Owned $2.61 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.77% Return on Equity 6.37% Interest Income $1.85 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Beartooth Bank had $1.98 million in non-current loans and owned real-estate with $5.62 million in equity and loan loss allowances on hand to cover it. This gives Beartooth Bank a Texas Ratio of 35.30% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Beartooth Bank decreased slightly from 57.58% as of December 31, 2010 to 35.30% as of December 31, 2011, resulting in a positive change of 38.69%.This indicates that the balance sheet and financial strength for Beartooth Bank has improved slightly in recent periods. Deposit Growth In the past year, Beartooth Bank has decreased its total deposits by -$3.07 million, resulting in -8.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Beartooth Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Beartooth Bank has $38.93 million in assets with $5.62 million in equity, resulting in a capitalization level of 14.43%, which is excellent.

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