Bank · FDIC insured
Opportunity Bank of Montana
A $2.1B bank headquartered in Helena, MT, with 29 branches in Montana. Best rates: CDs 4.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.05%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Opportunity Bank of Montana
Opportunity Bank of Montana began in Helena in 1922 when American Building and Loan opened to help Montanans build stronger financial futures.
The bank became American Federal Savings Bank in 1991 and adopted the name Opportunity Bank of Montana in 2014.
Headquartered in Montana, it operates as a full-service community bank with locations across the state.
- Headquarters
- 1400 Prospect Ave, Helena, MT 59601
- FDIC certificate
- 30182 ↗
Branches
29 branches in Montana
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Montana
29 branches
Helena area · 4
- Opportunity Bank of MontanaMain office1400 Prospect Ave, Helena, MT 59601Directions
- Helena Branch7517 Roughsawn Dr, Helena, MT 59602Directions
- Helena Neill Branch28 Neill Ave, Helena, MT 59601Directions
- Helena Skyway Branch2090 Cromwell Dixon Ln, Helena, MT 59602Directions
Billings area · 3
- Billings 27th Branch1005 N 27th St, Billings, MT 59101Directions
- Billings Heights Branch1639 Main St, Billings, MT 59105Directions
- Billings Shiloh Branch1112 Shiloh Crossing Blvd, Billings, MT 59102Directions
Bozeman area · 2
- Bozeman Oak Branch1455 W Oak St, Bozeman, MT 59715Directions
- Bozeman Valley Commons Branch4150 Valley Commons Dr, Bozeman, MT 59718Directions
Missoula area · 2
- Missoula Broadway Branch2215 W Broadway, Missoula, MT 59808Directions
- Missoula South Branch1821 South Ave W, Missoula, MT 59801Directions
Ashland area · 1
- Ashland Branch300 Main St, Ashland, MT 59003Directions
Big Timber area · 1
- Big Timber Branch101 Mcleod St, Big Timber, MT 59011Directions
Butte area · 1
- Butte Branch3401 Harrison Ave, Butte, MT 59701Directions
Choteau area · 1
- Choteau Branch27 1st St Nw, Choteau, MT 59422Directions
Culbertson area · 1
- Culbertson Branch205 Broadway Ave, Culbertson, MT 59218Directions
Denton area · 1
- Denton Branch423 Broadway Ave, Denton, MT 59430Directions
Dutton area · 1
- Dutton Branch101 Main St W, Dutton, MT 59433Directions
Froid area · 1
- Froid Branch109 Main St, Froid, MT 59226Directions
Glasgow area · 1
- Glasgow Branch540 2nd Ave S, Glasgow, MT 59230Directions
Great Falls area · 1
- Great Falls Branch501 River Dr S, Great Falls, MT 59405Directions
Hamilton area · 1
- Hamilton Branch711 S 1st St, Hamilton, MT 59840Directions
Hinsdale area · 1
- Hinsdale Branch203 Mountana St, Hinsdale, MT 59241Directions
Livingston area · 1
- Livingston Branch123 S Main St, Livingston, MT 59047Directions
Sheridan area · 1
- Sheridan Office Branch103 N Main St, Sheridan, MT 59749Directions
Three Forks area · 1
- Three Forks Branch120 S Montana St, Three Forks, MT 59752Directions
Townsend area · 1
- Townsend Branch400 Broadway St, Townsend, MT 59644Directions
Twin Bridges area · 1
- Twin Bridges Branch107 S Main St, Twin Bridges, MT 59754Directions
Wolf Point area · 1
- Wolf Point Branch111 3rd Ave S, Wolf Point, MT 59201Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.93% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.26% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.85% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $87 | $88 | — |
- CapitalLeverage ratio10.93%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.26%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.85%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$87Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Opportunity Bank of Montana are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.