Compared with Montana
8 of 19
compared fees are above the median.
2 below, 9 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
42nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Montana median
of 19 compared; 2 below, 9 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for Bank of The Rockies at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Montana median | Published fees above the Montana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of The Rockies's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.7% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (42nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $68K in Q2 2026, 12% below the same quarter a year earlier ($77K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 19 compared published fees sit above the Montana median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Montana medians for fees published by banks and credit unions.
Cashier's Check
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 12% from Q3 2025 to Q2 2026, to $68K. Its share of revenue, 1.7%, is below the 2.1% median for banks with under $300M in assets.
$68K
Bank of The RockiesMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Bank of The Rockies · $277M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bank of The Rockies(this institution) | Helena, MT | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Federated States of Micronesia | Kolonia, FM | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Wolcott | Wolcott, IN | $280M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cayuga Lake National Bank | Union Springs, NY | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Savings | Caldwell, OH | $285M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Davis Trust Company | Elkins, WV | $275M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers and Merchants State Bank | Winterset, IA | $272M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association of Valdosta | Valdosta, GA | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Kentucky | Frankfort, KY | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Steeleville | Steeleville, IL | $275M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FNB Picayune Bank | Picayune, MS | $282M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grand Bank for Savings, FSB | Hattiesburg, MS | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Iowa State Savings Bank | Creston, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mediapolis Savings Bank | Mediapolis, IA | $270M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mission National Bank | San Francisco, CA | $276M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old Glory Bank | Elmore City, OK | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Bank | Sergeant Bluff, IA | $283M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Reliance State Bank | Story City, IA | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sawyer Savings Bank | Saugerties, NY | $285M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Georgia Bank | Glennville, GA | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Success Bank | Bloomfield, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Apple Creek Banking Company | Apple Creek, OH | $271M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank | Nicholasville, KY | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers State Bank of Waupaca | Waupaca, WI | $279M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Unity Bank of Mississippi | Holly Springs, MS | $282M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Victory Bank | Lubbock, TX | $285M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7 among 19 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Bank of The Rockies does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank of The Rockies (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $68K | −$10K | −12.8% |
| Q1 2026 | $78K | +$4K | +5.4% |
| Q4 2025 | $74K | −$3K | −3.9% |
| Q3 2025 | $77K | $0 | 0.0% |
| Q2 2025 | $77K | −$10K | −11.5% |
| Q1 2025 | $87K | −$6K | −6.5% |
| Q4 2024 | $93K | +$4K | +4.5% |
| Q3 2024 | $89K | −$13K | −12.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Bank of The Rockies left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of The Rockies by share.
Amounts from Bank of The Rockies’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| If closed within the first 6 months. | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| For inactivity after 1 year | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Reconcile Statement | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdrafts Paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Discover Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| For a rush order | $70Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing - Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfers: Outgoing - Foreign | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Copy of Check or Deposit Item | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting for Customer | No chargeInside the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
Account Services | |||
| Notary for Customer | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary for Non-Customer | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishment, Writ, Levy | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards - Customer | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Cards - Non-Customer | $6.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Sending and Receiving Faxes | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 23, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Bank of The Rockies operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $229.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $201.0M |
| 1 | $21.1M | |
| 1 | $7.3M |
Helena, MT
0.7% of bank deposits, #12 of 14.
| Largest competitors here | Deposit share |
|---|---|
| Glacier Bank | 24.8% |
| Opportunity Bank of Montana | 17.1% |
| First Interstate Bank | 16.3% |
| Stockman Bank of Montana | 12% |
| Wells Fargo Bank, National Association | 10.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Helena, MT, Bank of The Rockies holds 0.7% of bank deposits, #12 of 14, with 1 office.
The fee comparison uses its home metro, Bozeman, MT.
39 offices of 19 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 14 institutions shown. $2.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2023 to 2026
June 2026: 0.7% share, 1 office, #12 of 14
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.
Credit unions, reported separately
10 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
Federal Reserve, against the holding company, Countricorp. Ended September 29, 2015 · Order
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.