Opportunity Bank Of Montana Mortgage Rates, Fees & Info

Helena, MT

LEI: 5493007ZF78YQRSXQG49

Tax ID: 81-0105500

4.3 stars - out of 5 stars, based on 61 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Opportunity Bank Of Montana is a small bank specializing in Home Purchase and Refi loans. Opportunity Bank Of Montana has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Helena, Bozeman, Billings, Missoula, and Great Falls among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Opportunity Bank Of Montana has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Opportunity Bank Of Montana is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.90% 12/4/22
    30 Year Conventional Refi 6.83% 12/4/22
    30 Year Cash-out Refi 7.00% 12/4/22
    30 Year FHA Purchase 7.43% 12/4/22
    30 Year FHA Refi 7.07% 12/4/22
    30 Year VA Purchase 6.36% 12/4/22
    30 Year VA Refi 6.10% 12/4/22
    30 Year USDA Purchase 6.75% 12/4/22
    30 Year USDA Refi 6.74% 12/4/22
    15 Year Conventional Purchase 6.29% 12/4/22
    15 Year Conventional Refi 6.06% 12/4/22
    15 Year Cash-out Refi 6.06% 12/4/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,739

    Origination Dollar Volume (All Markets)

    $1,075,625,000

    Employee count

    364 Show all (7) awards

    Relative Rate

    Opportunity Bank Of Montana's average 30 year fixed mortgage rate was 3.07%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.08%.

    Relative Fees (Closing Costs)

    Opportunity Bank Of Montana's average total fees/closing costs for a 30 year fixed rate mortgage were $5,679.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Helena, MT (FHA|USDA|VA) 728 $202,500,000 $278,159 $5,443 3.01%
    Bozeman, MT (FHA|USDA|VA) 470 $180,400,000 $383,830 $5,713 3.16%
    BILLINGS, MT (FHA|USDA|VA) 663 $178,925,000 $269,872 $6,013 3.11%
    MISSOULA, MT (FHA|USDA|VA) 553 $176,165,000 $318,562 $4,752 3.11%
    Outside of Metro Areas 635 $173,915,000 $273,882 $5,315 3.04%
    GREAT FALLS, MT (FHA|USDA|VA) 468 $107,180,000 $229,017 $5,237 2.87%
    Butte-Silver Bow, MT (FHA|USDA|VA) 136 $24,720,000 $181,765 $4,460 2.97%
    Kalispell, MT (FHA|USDA|VA) 28 $11,500,000 $410,714 $4,859 3.08%
    BOISE CITY, ID (FHA|USDA|VA) 11 $5,995,000 $545,000 $0 3.63%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 9 $3,135,000 $348,333 $4,701 2.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $2,725,000 $302,778 $5,530 3.04%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $965,000 $965,000 $10,793 3.63%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $840,000 $420,000 $4,686 3.13%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $835,000 $278,333 $3,889 2.92%
    SALEM, OR (FHA|USDA|VA) 2 $600,000 $300,000 $5,000 2.75%
    CHEYENNE, WY (FHA|USDA|VA) 2 $530,000 $265,000 $8,284 2.94%
    TUCSON, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $4,863 2.88%
    Shelton, WA (FHA|USDA|VA) 1 $455,000 $455,000 $5,739 3.13%
    BEND, OR (FHA|USDA|VA) 1 $415,000 $415,000 $7,449 3.25%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $415,000 $415,000 $5,592 3.00%
    Spearfish, SD (FHA|USDA|VA) 1 $355,000 $355,000 $5,537 2.38%
    Williston, ND (FHA|USDA|VA) 1 $345,000 $345,000 $4,580 3.25%
    Blackfoot, ID (FHA|USDA|VA) 1 $285,000 $285,000 $10,283 2.25%
    Jackson, WY-ID (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.38%
    Centralia, WA (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.88%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $225,000 $225,000 $4,299 2.75%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $215,000 $215,000 $2,971 3.00%
    CASPER, WY (FHA|USDA|VA) 2 $210,000 $105,000 $3,363 2.69%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $185,000 $185,000 $4,095 3.00%
    Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $185,000 $185,000 $7,103 2.75%
    WENATCHEE, WA (FHA|USDA|VA) 1 $175,000 $175,000 $1,126 2.25%
    Gillette, WY (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.50%
    Show Low, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.50%
    Opportunity Bank Of Montana's top markets include Helena, Bozeman, Billings, Missoula, and Great Falls among others.

    Their top states include:
  • Montana (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Opportunity Bank of Montana based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Montana Federal Credit Union
    Similarity Rank: 48
    The Yellowstone Bank
    Similarity Rank: 74
    CLEARWATER Federal Credit Union
    Similarity Rank: 90
    BILLINGS
    Similarity Rank: 198
    Altana Federal Credit Union
    Similarity Rank: 315
    PARK SIDE FINANCIAL
    Similarity Rank: 444
    American Bank Center
    Similarity Rank: 799
    VILLAGE CAPITAL MORTGAGE
    Similarity Rank: 2508
    HOMESTAR FINANCIAL CORPORATION
    Similarity Rank: 4914
    MOUNTAIN AMERICA
    Similarity Rank: 4944

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,176 $909,610,000 $286,401 $4,895 3.13%
    VA 308 $102,300,000 $332,143 $6,933 2.53%
    FHA 211 $52,805,000 $250,261 $9,334 2.75%
    USDA 44 $10,910,000 $247,955 $6,758 2.62%

    For 2021, Opportunity Bank Of Montana's most frequently originated type of loan was Conventional, with 3,176 originations. Their 2nd most popular type was VA, with 308 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,951 $608,465,000 $311,873 $6,176 3.11%
    Refi 978 $246,140,000 $251,677 $4,094 2.89%
    Cash Out Refi 749 $206,955,000 $276,308 $5,213 3.08%
    Other 39 $8,405,000 $215,513 $3,543 3.64%
    Home Improvement 22 $5,660,000 $257,273 $4,585 3.33%

    For 2021, Opportunity Bank Of Montana's most frequently cited loan purpose was Home Purchase, with 1,951 originations. The 2nd most popular reason was Refi, with 978 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,028 $913,080,000 $301,546 $5,679 3.07%
    15 Year 431 $89,425,000 $207,483 $3,781 2.63%
    20 Year 170 $41,820,000 $246,000 $4,561 3.31%
    Other 79 $26,385,000 $333,987 $3,904 3.88%
    10 Year 26 $3,720,000 $143,077 $3,107 3.13%
    1 Year 4 $890,000 $222,500 $0 4.44%
    3 Year 1 $305,000 $305,000 $0 4.25%

    For 2021, Opportunity Bank Of Montana's most frequently cited loan duration was 30 Year, with 3,028 originations. The 2nd most popular length was 15 Year, with 431 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 981 $245,005,000 $249,750
    $1k-2k 765 $157,905,000 $206,412
    $3k-4k 591 $191,535,000 $324,086
    $<1k 563 $164,325,000 $291,874
    $4k-5k 267 $104,375,000 $390,918
    $5k+ 193 $104,545,000 $541,684

    Opportunity Bank Of Montana's average total fees were $5,679, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 981 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,536 $480,140,000 $312,591
    2.5-3% 1,514 $432,100,000 $285,403
    <2.5% 532 $127,640,000 $239,925
    4-5% 149 $35,415,000 $237,685
    5-6% 4 $130,000 $32,500
    6-7% 2 $100,000 $50,000
    7-8% 2 $100,000 $50,000

    During 2021, Opportunity Bank Of Montana's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 3-4%, with 1,536 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,985 $566,635,000 $285,458 $5,588 3.03%
    $100k-200k 902 $140,630,000 $155,909 $4,040 3.01%
    $400k-600k 558 $267,090,000 $478,656 $6,796 3.11%
    $100,000 or less 202 $12,570,000 $62,228 $2,195 3.11%
    $600k-1MM 71 $52,095,000 $733,732 $10,663 3.37%
    $1MM+ 21 $36,605,000 $1,743,095 $13,328 3.30%

    2021 saw Opportunity Bank Of Montana place emphasis on $200k-400k loans with 1,985 originations, totaling $566,635,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 871 $206,815,000 $237,445 $5,314 2.99%
    $100k-150k 784 $252,330,000 $321,849 $5,777 3.07%
    $75k-100k 675 $188,095,000 $278,659 $5,475 3.07%
    $50k or less 520 $85,070,000 $163,596 $4,462 2.93%
    $150k-250k 445 $168,155,000 $377,876 $5,889 3.08%
    $250k+ 231 $112,855,000 $488,550 $7,010 3.23%

    Opportunity Bank Of Montana lent most frequently to those with incomes in the $50k-75k range, with 871 originations. The second most popular income band? $100k-150k, with 784 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 752 $217,530,000 $289,269 $5,203 3.00%
    30-36% 675 $191,155,000 $283,193 $5,222 3.05%
    <20% 326 $85,080,000 $260,982 $4,408 2.98%
    44% 164 $45,710,000 $278,720 $5,841 3.07%
    38% 146 $42,180,000 $288,904 $5,291 3.10%
    43% 145 $42,105,000 $290,379 $5,923 3.16%
    42% 143 $39,705,000 $277,657 $5,142 3.10%
    36% 141 $39,905,000 $283,014 $4,943 3.07%
    37% 139 $44,205,000 $318,022 $6,170 3.05%
    39% 138 $44,010,000 $318,913 $6,095 3.03%
    40% 135 $39,735,000 $294,333 $5,976 3.10%
    41% 132 $37,820,000 $286,515 $5,460 3.11%
    49% 106 $31,160,000 $293,962 $5,648 3.11%
    45% 95 $28,355,000 $298,474 $6,117 3.08%
    46% 88 $26,420,000 $300,227 $5,232 3.01%
    47% 85 $23,265,000 $273,706 $6,253 3.04%
    50-60% 83 $23,715,000 $285,723 $7,926 2.73%
    48% 80 $23,480,000 $293,500 $6,291 3.05%
    >60% 4 $760,000 $190,000 $4,456 3.87%

    Opportunity Bank Of Montana lent most frequently to those with DTI ratios of 20-30%, with 752 originations. The next most common DTI ratio? 30-36%, with 675 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,107 $879,415,000 $283,043 $5,389 3.02%
    Not provided 444 $139,580,000 $314,369 $5,318 3.10%
    Not applicable 69 $25,335,000 $367,174 $0 4.25%
    American Indian 65 $15,905,000 $244,692 $5,353 2.93%
    Asian 32 $9,780,000 $305,625 $5,352 3.00%
    Black 13 $3,115,000 $239,615 $5,659 3.23%
    Other Asian 3 $1,075,000 $358,333 $6,531 3.29%
    Native Hawaiian or Islander 2 $520,000 $260,000 $6,525 2.69%
    Korean 2 $450,000 $225,000 $3,947 3.13%
    Filipino 1 $275,000 $275,000 $3,801 3.00%
    Other Pacific Islander 1 $175,000 $175,000 $3,205 3.00%

    Approval Rates

    Total approvals of all applications
    97.28%

    Opportunity Bank Of Montana has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    74.54%

    Opportunity Bank Of Montana has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,739 $1,075,625,000 $287,677

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,739 $1,075,625,000 $287,677

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 219 $40,025,000 $182,763 $3,796 2.94%
    40-60% 648 $164,550,000 $253,935 $4,403 2.98%
    60-80% 1,450 $454,450,000 $313,414 $5,162 3.19%
    80-100% 1,226 $379,130,000 $309,241 $6,509 3.02%
    Over 100% 40 $13,170,000 $329,250 $13,028 2.74%
    Under 20% 75 $3,785,000 $50,467 $1,270 2.80%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Opportunity Bank of Montana 101 Mcleod Street Big Timber, MT 59011 Full Service B&M $53,936
    Opportunity Bank of Montana 1005 North 27th Street Billings, MT 59101 Full Service B&M $8,447
    Opportunity Bank of Montana 101 Main Street West Dutton, MT 59433 Full Service B&M $27,884
    Opportunity Bank of Montana 28 Neill Avenue Helena, MT 59601 Full Service B&M $19,628
    Opportunity Bank of Montana 3401 Harrison Avenue Butte, MT 59701 Full Service B&M $101,815
    Opportunity Bank of Montana 400 Broadway St Townsend, MT 59644 Full Service B&M $95,025
    Opportunity Bank of Montana 4150 Valley Commons Drive Bozeman, MT 59718 Full Service B&M $14,096
    Opportunity Bank of Montana 423 Broadway Avenue Denton, MT 59430 Full Service B&M $18,227
    Opportunity Bank of Montana 5 W Mendenhall St, Ste 101 Bozeman, MT 59715 Full Service B&M $51,675
    Opportunity Bank of Montana 501 River Drive South Suite 100 Great Falls, MT 59405 Full Service B&M $14,907
    Opportunity Bank of Montana 711 South 1st Street Hamilton, MT 59840 Full Service B&M $37,911
    Opportunity Bank of Montana 895 Main St Billings, MT 59105 Full Service B&M $5,850
    Opportunity Bank of Montana 103 North Main Street Sheridan, MT 59749 Full Service B&M $53,451
    Opportunity Bank of Montana 105 Main Street Winifred, MT 59489 Full Service Cyber Office $320
    Opportunity Bank of Montana 107 South Main Street Twin Bridges, MT 59754 Full Service B&M $47,340
    Opportunity Bank of Montana 111 3rd Avenue South Wolf Point, MT 59201 Full Service B&M $97,834
    Opportunity Bank of Montana 1112 Shiloh Crossing Boulevard Billings, MT 59102 Full Service B&M $33,620
    Opportunity Bank of Montana 123 South Main St Livingston, MT 59047 Full Service B&M $44,613
    Opportunity Bank of Montana 1400 Prospect Avenue Helena, MT 59601 Full Service B&M $197,772
    Opportunity Bank of Montana 1455 West Oak Street Bozeman, MT 59715 Full Service B&M $122,560
    Opportunity Bank of Montana 1821 South Avenue West Missoula, MT 59801 Full Service B&M $44,798
    Opportunity Bank of Montana 200 North Higgins Missoula, MT 59802 Full Service B&M $18,239
    Opportunity Bank of Montana 2090 Cromwell Dixon Lane Helena, MT 59602 Full Service B&M $34,668
    Opportunity Bank of Montana 27 1st Street Northwest Choteau, MT 59422 Full Service B&M $4,223

    For 2021, Opportunity Bank Of Montana had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $50,068
    Net interest income $48,383
    Total noninterest income $45,725
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,080
    Trading account gains and fees $0
    Additional Noninterest Income $44,645
    Pre-tax net operating income $22,214
    Securities gains (or losses, -) $15
    Income before extraordinary items $16,787
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $16,787
    Minority interest net income $0
    Net income $16,787
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,775

    Opportunity Bank Of Montana's gross interest income from loans was $50,068,000.
    Opportunity Bank Of Montana's net interest income from loans was $48,383,000.
    Opportunity Bank Of Montana's fee based income from loans was $1,080,000.
    Opportunity Bank Of Montana's net income from loans was $16,787,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,685
    Provision for credit losses $861
    Total noninterest expense $71,033
    Salaries and employee benefits $48,686
    Premises and equipment expense $6,448
    Additional noninterest expense $15,899
    Applicable income taxes $5,442
    Net charge-offs $-39
    Cash dividends $5,800

    Opportunity Bank Of Montana's interest expense for loans was $1,685,000.
    Opportunity Bank Of Montana's payroll and benefits expense were $48,686,000.
    Opportunity Bank Of Montana's property, plant and equipment expenses $6,448,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,226,833
    Deposits held in domestic offices $1,226,833
    Deposits by Individuals, partnerships, and corporations $1,199,627
    Deposits by U.S. Government $14
    Deposits by States and political subdivisions in the U.S. $24,945
    Deposits by Commercial banks and other depository institutions in U.S. $2,248
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $572,581
    Demand deposits $551,140
    Nontransaction accounts $654,253
    Money market deposit accounts (MMDAs) $281,428
    Other savings deposits (excluding MMDAs) $223,069
    Total time deposits $149,755
    Total time and savings deposits $675,694
    Noninterest-bearing deposits $369,171
    Interest-bearing deposits $857,662
    Retail deposits $1,203,362
    IRAs and Keogh plan accounts $29,259
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,430,850
    Cash & Balances due from depository institutions $54,306
    Interest-bearing balances $43,058
    Total securities $267,184
    Federal funds sold & reverse repurchase $6,827
    Net loans and leases $946,458
    Loan and leases loss allowance $12,500
    Trading account assets $0
    Bank premises and fixed assets $67,266
    Other real estate owned $0
    Goodwill and other intangibles $35,909
    All other assets $52,900

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,430,850
    Total Liabilities $1,253,005
    Total deposits $1,226,833
    Interest-bearing deposits $857,662
    Deposits held in domestic offices $1,226,833
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $21,172

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $946,458
    Loan and leases loss allowance $12,500
    Total loans and leases (domestic) $958,958
    All real estate loans $792,577
    Real estate loans in domestic offices $792,577
    Construction and development loans $138,038
    Residential 1-4 family construction $45,635
    Other construction, all land development and other land $92,403
    Loans secured by nonfarm nonresidential properties $365,222
    Nonfarm nonresidential secured by owner-occupied properties $170,484
    Commercial real estate & other non-farm, non-residential $194,738
    Multifamily residential real estate $43,920
    1-4 family residential loans $178,654
    Farmland loans $66,743
    Loans held in foreign offices $0
    Farm loans $46,397
    Commercial and industrial loans $89,866
    To non-U.S. addressees $0
    Loans to individuals $18,466
    Credit card loans $0
    Related Plans $1,895
    Consumer Auto Loans $9,500
    Other loans to individuals $7,071
    All other loans & leases $11,652
    Loans to foreign governments and official institutions $0
    Other loans $10,875
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $330
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,568
    Non 1-4 family restructured loans & leases $1,568
    Total loans and leases (foreign) $0

    Opportunity Bank of Montana had $946,458,000 of loans outstanding in 2021. $792,577,000 of loans were in real estate loans. $138,038,000 of loans were in development loans. $43,920,000 of loans were in multifamily mortgage loans. $178,654,000 of loans were in 1-4 family mortgage loans. $46,397,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,500,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 558 $138,207 $247,683
    Nonfarm, nonresidential loans - <$100k 118 $5,482 $46,458
    Nonfarm, nonresidential loans - $100-250k 178 $23,972 $134,674
    Nonfarm, nonresidential loans - $250k-1MM 262 $108,753 $415,088
    Commercial & Industrial, US addressed loans - <$1MM 843 $51,655 $61,275
    Commercial & Industrial, US addressed loans - <$100k 633 $11,863 $18,741
    Commercial & Industrial, US addressed loans - $100-250k 115 $10,923 $94,983
    Commercial & Industrial, US addressed loans - $250k-1MM 95 $28,869 $303,884
    Farmland loans - <$1MM 222 $23,432 $105,550
    Farmland loans - <$100k 43 $1,477 $34,349
    Farmland loans - $100-250k 99 $7,181 $72,535
    Farmland loans - $250k-1MM 80 $14,774 $184,675
    Agriculture operations loans - <$1MM 468 $27,678 $59,141
    Agriculture operations loans - <$100k 280 $6,058 $21,636
    Agriculture operations loans - $100-250k 118 $10,428 $88,373
    Agriculture operations loans - $250k-1MM 70 $11,192 $159,886