Opportunity Bank Of Montana Mortgage Rates, Fees & Info
Helena, MTLEI: 5493007ZF78YQRSXQG49
Tax ID: 81-0105500
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Bank Data
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 include Helena, Bozeman, Billings, Missoula, and Great Falls among others. Opportunity Bank Of Montana has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Opportunity Bank Of Montana is typically an average fee lendor.Originations
3,739Origination Dollar Volume (All Markets)
$1,075,625,000Employee count
364Awards
Opportunity Bank of Montana - 2021
Opportunity Bank of Montana is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Opportunity Bank Of Montana's average 30 year fixed rate mortgage of loans were
3.07%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.08%.
Relative Fees
Opportunity Bank Of Montana's average total fees for a 30 year fixed rate
mortgage are $5,679.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| 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.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average 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 the 2021 period, Opportunity Bank Of Montana's most frequently originated loan type of loans were Conventional, with 3,176 originations. Their 2nd most popular type is VA, with 308 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average 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 the 2021, Opportunity Bank Of Montana's most frequently cited loan purpose of loans were Home Purchase, with 1,951 originations. The 2nd most popular reason of loans were 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 the 2021, Opportunity Bank Of Montana's most frequently cited loan length of loans were 30 Year, with 3,028 originations. The 2nd most popular length of loans were 15 Year, with 431 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $2k-3k | 981 | $245,005,000 | $249,750 |
| $3k-4k | 858 | $295,910,000 | $344,883 |
| $1k-2k | 765 | $157,905,000 | $206,412 |
| $<1k | 563 | $164,325,000 | $291,874 |
| $5k+ | 193 | $104,545,000 | $541,684 |
$5,679 of loans were Opportunity Bank Of Montana's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.07%, while their most frequently originated rate bucket of loans were 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 | 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 applications96.70%
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 origination70.64%
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 Main Street West Dutton, MT 59433 | Full Service B&M | $27,884 |
| Opportunity Bank of Montana | 1005 North 27th Street Billings, MT 59101 | Full Service B&M | $8,447 |
| 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 | 101 Mcleod Street Big Timber, MT 59011 | Full Service B&M | $53,936 |
| 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 |
