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Overview / Commentary
406-676-4600
63239 Us Highway 93
Ronan, MT 59864

Community Bank, Inc. is headquartered in Ronan and is the 18st largest bank in the state of Montana. It is also the 3,247th largest bank in the nation. It was established in 1910 and as of December of 2013, it had grown to 68 employees at 8 locations. Community Bank, Inc. has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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, 2013 Community Bank, Inc. had $3.04 million in non-current loans and owned real-estate with $21.9 million in equity and loan loss allowances on hand to cover it. This gives Community Bank, Inc. a Texas Ratio of 13.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Community Bank, Inc. experienced no significant changes from 13.74% as of December 31, 2012 to 13.89% as of December 31, 2013, resulting in a negative change of 1.05%. This indicates that the balance sheet and financial strength for Community Bank, Inc. has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, Community Bank, Inc. has increased its total deposits by $1.08 million, resulting in 0.69% 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 Community Bank, Inc. has shown is above average.

Capitalization

GRADE:
A

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. Community Bank, Inc. has $183.91 million in assets with $21.9 million in equity, resulting in a capitalization level of 11.91%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #1979
Year Established1910
Employees68
Primary RegulatorFED
Assets and Liabilities
Assets$183.91 million
Loans$95.11 million
Deposits$156.88 million
Equity Capital$20.01 million
Loan Loss Allowance$1.90 million
Unbacked Noncurrent Loans$2.11 million
Real Estate Owned$931,000
Historic Data - December 2012
Assets$183.81 million
Equity Capital$19.76 million
Loan Loss Allowance$2.21 million
Unbacked Noncurrent Loans$2.11 million
Real Estate Owned$2.14 million
Profit Margin - Quarterly
Net Interest Margin3.91%
Return on Assets0.97%
Return on Equity8.87%
Interest Income$7.13 million
Rates

Sorry, we do not have rate data for Community Bank, Inc.

Locations


Community Bank, Inc. Locations
Broadway Branch218 East Main StreetMissoula, MT 59802
Missoula Branch3010 American WayMissoula, MT 59808
Southside Branch3200 Brooks StreetMissoula, MT 59801
Pablo Branch36042 Major Houle RdPablo, MT 59855
Polson - Super One Branch50331 US Highway 93Polson, MT 59860
Polson Branch50510 US Highway 93Polson, MT 59860
Community Bank, Inc.63239 US Highway 93Ronan, MT 59864
Harvest Foods Branch63802 US Hwy 93Ronan, MT 59864