Opportunity Bank of Montana

Headquarters: Helena, Montana
Charter: Bank
Assets: $2.1B
Fed district: Minneapolis
Regulator: Federal Reserve
Holding company: Eagle Bancorp Montana Inc.

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for Opportunity Bank of Montana 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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Opportunity Bank of Montana's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Opportunity Bank of Montana (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $372K in Q2 2026, 5.1% above the same quarter a year earlier ($354K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Opportunity Preferred Checking
Opportunity Bank of Montana: $25
Opportunity Bank of Montana: $25
U.S. median: no median
Stop Payment
Opportunity Bank of Montana: $30
Opportunity Bank of Montana: $30
U.S. median: no median
Wire Transfer (Int'l Out)
Opportunity Bank of Montana: $100
Opportunity Bank of Montana: $100
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.1% from Q3 2025 to Q2 2026, to $372K.

Service-charge income, Q2 2026

$372K

$396KQ3 2025

$382KQ4 2025

$359KQ1 2026

$372KQ2 2026

Against the median

Opportunity Bank of MontanaMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Opportunity Bank of Montana · $2.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$2B to $2.2B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Opportunity Bank of Montana(this institution)	Helena, MT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Beneficial State Bank	Oakland, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blackhawk Bank & Trust	Milan, IL	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Texas	Waxahachie, TX	$2.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
First Bank Chicago	Highland Park, IL	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Fed Bank	Port Angeles, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Financial Bank	El Dorado, AR	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First United Bank & Trust	Oakland, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Florence Bank	Florence, MA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Gateway First Bank	Jenks, OK	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
IncredibleBank	Wausau, WI	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kennebunk Savings Bank	Kennebunk, ME	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kish Bank	Belleville, PA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Bank	Chicago, IL	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Montecito Bank & Trust	Santa Barbara, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Norway Savings Bank	Norway, ME	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Square Financial Services, Inc.	Salt Lake City, UT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Starion Bank	Bismarck, ND	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Farmers & Merchants Bank	Stuttgart, AR	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank in Sioux Falls	Sioux Falls, SD	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Lyons National Bank	Lyons, NY	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Village Bank	Newton, MA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Think Mutual Bank	Rochester, MN	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Timberland Bank	Hoquiam, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Bank	Zebulon, GA	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $17.75 (245%) above the median of similar-sized banks.

Its published price is $25, against a peer median of $7.25 among 16 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

Opportunity Bank of Monta…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Opportunity Bank of Montana (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $372K
vs prior quarter: +$13K+3.6%; from Q1 2026
vs a year earlier: +$18K+5.1%; from Q2 2025
vs start of range: −$4K−1.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Opportunity Bank of Montana (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$372K	+$13K	+3.6%
Q1 2026	$359K	−$23K	−6.0%
Q4 2025	$382K	−$14K	−3.5%
Q3 2025	$396K	+$42K	+11.9%
Q2 2025	$354K	+$5K	+1.4%
Q1 2025	$349K	+$3K	+0.9%
Q4 2024	$346K	−$30K	−8.0%
Q3 2024	$376K	−$6K	−1.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Opportunity Bank of Montana’s own schedules, with a source for each figure.

Account Maintenance

Opportunity Preferred Checking Service charge$25
per month
Balancing Assistance Fee$10
Undeliverable Statement Fee$5

Overdraft & NSF

Overdraft Daily Cap$205
per day · Combined maximum overdraft fee per day; includes both Overdraft Fees and Continuous Overdraft Fees

Wire Transfers

Foreign Outgoing Wire Transfer Fee$100

Check Services

Stop Payment Fee$30
Check Cashing Non-Customer Fee$15
Canadian Check Processing Fee$10
Domestic Check/Draft Collection Fee$20
per item

Digital & Electronic

Online Bill PayNo charge
Mobile Deposit Capture (per deposit)No charge

Retirement & IRA

IRA Termination Fee$25
Roth IRA Termination Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Opportunity Preferred Checking Service charge	$25	per month	None
Balancing Assistance Fee	$10	Not stated	None
Undeliverable Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Daily Cap	$205	per day	Combined maximum overdraft fee per day; includes both Overdraft Fees and Continuous Overdraft Fees
Wire Transfers
Foreign Outgoing Wire Transfer Fee	$100	Not stated	None
Check Services
Stop Payment Fee	$30	Not stated	None
Check Cashing Non-Customer Fee	$15	Not stated	None
Canadian Check Processing Fee	$10	Not stated	None
Domestic Check/Draft Collection Fee	$20	per item	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Mobile Deposit Capture (per deposit)	No charge	Not stated	None
Retirement & IRA
IRA Termination Fee	$25	Not stated	None
Roth IRA Termination Fee	$25	Not stated	None

Account Maintenance

Account Closure Fee$15
Reactivate Closed Account Fee$5
Dormant Fee$5
per month
Statement/Account Research Fee or Balancing Assistance Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Statement Fee$5

Overdraft & NSF

Overdraft Fee (each check or debit)$30
per item
Continuous Overdraft Fee$25

ATM & Card

SRVC CHG DDA Withdrawal or SRVC CHG SAV Withdrawal (ATM$2
Replacement Debit/ATM Card Fee$10

Wire Transfers

Domestic Outgoing Wire Transfer Fee$25
Domestic Incoming Wire Transfer Fee$15
Foreign Incoming Wire Transfer Fee$15

Check Services

Cashier's Check Fee$5
Counter Check Fee$1

Account Services

Safe Deposit Box Drilling Fee$300
Not compared: Box drilling or key fee
Notice of Execution/ Levy Fee$75

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee	$15	Not stated	None
Reactivate Closed Account Fee	$5	Not stated	None
Dormant Fee	$5	per month	None
Statement/Account Research Fee or Balancing Assistance Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Fee (each check or debit)	$30	per item	None
Continuous Overdraft Fee	$25	Not stated	None
ATM & Card
SRVC CHG DDA Withdrawal or SRVC CHG SAV Withdrawal (ATM	$2	Not stated	None
Replacement Debit/ATM Card Fee	$10	Not stated	None
Wire Transfers
Domestic Outgoing Wire Transfer Fee	$25	Not stated	None
Domestic Incoming Wire Transfer Fee	$15	Not stated	None
Foreign Incoming Wire Transfer Fee	$15	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Counter Check Fee	$1	Not stated	None
Account Services
Safe Deposit Box Drilling Fee	$300Not compared: Box drilling or key fee	Not stated	None
Notice of Execution/ Levy Fee	$75	Not stated	None

Correct a fee source

Oct 9, 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.

Branches and public record

Where Opportunity Bank of Montana operates, and what regulators and customers have on file.

Market position

In Helena, MT, Opportunity Bank of Montana holds 17.1% of bank deposits, #2 of 14, with 5 offices.

Compare fees with the 13 Helena, MT banks and credit unions in its home-metro peer set →

Offices in the metro

39 offices of 19 institutions shown.

Opportunity Bank of MontanaOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Helena, MT metro (FDIC metro code 25740), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Glacier Bank24.8%
2Opportunity Bank of Montana17.1%
3First Interstate Bank16.3%
4Stockman Bank of Montana12.0%
5Wells Fargo Bank, National Association10.9%
6U.S. Bank National Association9.3%
7Ascent Bank3.2%
8Madison Valley Bank1.9%

8 of 14 institutions shown. $2.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Helena, MT metro (FDIC metro code 25740)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2023 to 2026

June 2026: 17.1% share, 5 offices, #2 of 14

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2023 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2023 to 2026
Area: Helena, MT metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

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

Civil Money PenaltySeptember 30, 2024
Federal Reserve · 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.

Holding company

Eagle Bancorp Montana, Inc. (Nasdaq: EBMT)

Consolidated assets

$2.1B

Shareholders' equity

$197.4M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-KFORM 8-K2026-10-27View
8-KFORM 8-K2026-10-01View
10-QFORM 10-Q2026-08-05View
8-KFORM 8-K2026-07-28View
8-KFORM 8-K2026-07-17View
8-KFORM 8-K2026-05-18View
10-QFORM 10-Q2026-05-07View
8-KFORM 8-K2026-05-04View
8-KFORM 8-K2026-04-29View
8-KFORM 8-K2026-04-28View
DEF 14AFORM DEF 14A2026-03-09View
10-KFORM 10-K2026-03-09View

Source: SEC EDGAR filings and XBRL financial data, CIK 1478454. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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