Opportunity Bank of Montana
Opportunity Bank of Montana is a Helena-headquartered community bank and operating subsidiary of Eagle Bancorp Montana (NASDAQ: EBMT), serving retail, small business, and agricultural customers across approximately 30 branches statewide with deposits, mortgages, and commercial loans.
- Company typePrivate
- Founded1922
- HeadquartersHelena, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Opportunity Bank of Montana does
Opportunity Bank of Montana is a Montana-chartered community bank and the primary operating subsidiary of Eagle Bancorp Montana, Inc. (NASDAQ: EBMT), headquartered in Helena and founded in 1922. The bank operates approximately 30-31 branches statewide, serving retail consumers, small and medium-sized businesses, and agricultural borrowers with deposits, mortgages, consumer and commercial loans, business cash management, and credit cards (the latter through a partnership with TCM Bank, an ICBA subsidiary).
The bank generates revenue through net interest income on its loan and securities portfolio, deposit service charges, mortgage origination and servicing fees, and interchange and card-related income. Its customer base is highly distributed across Montana's rural and mid-sized communities, with no disclosed anchor commercial relationships. Technology is delivered via a stack of third-party partners rather than proprietary systems: Maxwell for mortgage point-of-sale, MeridianLink for consumer loan origination, Fiserv for online and mobile banking, Zelle for peer-to-peer payments, IntraFi for deposit sweep and CDARS, and Select Bankcard and TCM Bank for credit card issuance. The bank is FDIC-insured and operates under NMLS 412554.
Strategically, Opportunity Bank is positioned as a relationship-led, community-rooted franchise rather than a digital-first or growth-at-all-costs operator. The bank has demonstrated internal succession planning (appointment of P. Darryl Rensmon as President effective June 1, 2026; promotion of Easton Copenhaver to Branch President in September 2025), sustained third-party validation (Bauer Financial 5-Star rating for 126 consecutive quarters, Forbes Best-In-State Banks 2026), and selective expansion through community-development partnerships such as the HomeStretch Down Payment Assistance program launched in October 2025. Historical inorganic growth has been modest and targeted, exemplified by the 2017 acquisition of Ruby Valley Bank. The operating model is consistent with steady, deposit-funded community banking rather than fee-driven or capital-markets-driven revenue.
Opportunity Bank of Montana firmographics
Firmographics- Name
- Opportunity Bank of Montana
- Legal name
- Opportunity Bank of Montana
- Website
- https://opportunitybank.com
- Company type
- Private
- Founded year
- 1922
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Opportunity Bank of Montana is a Helena-headquartered community bank and operating subsidiary of Eagle Bancorp Montana (NASDAQ: EBMT), serving retail, small business, and agricultural customers across approximately 30 branches statewide with deposits, mortgages, and commercial loans.
- Ownership category
- akta.pro rank
Opportunity Bank of Montana industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162), State Commercial Banks (6022)
- akta.pro primary industry
- Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Bank Branch / Retail Purchase Mortgages (FSALAAAA), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Opportunity Bank of Montana is headquartered
LocationHeadquarters
- HQ city
- Helena
- HQ country
- United States
- HQ region
- North America
Markets served
Opportunity Bank of Montana business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Net interest income: Primary revenue stream from lending activities (mortgage, consumer, commercial/ag loans) funded by deposits. Q3 2025 net income of $3.6M ($0.46/diluted share) for Eagle Bancorp Montana (holding company) driven by net interest income growth from stable funding costs and strong asset yields.
- Deposit account service charges and minimum-balance fees: Recurring monthly service charges on savings/money market accounts when balances fall below thresholds (e.g., $2/mo on Personal Savings below $100; $8/mo on Business Money Market below $1,000; $20/mo on Preferred MMA below $20,000) plus per-item fees on business checking (e.g., $0.20/item over 500 free on Business Checking).
- Business cash management and treasury services fees: Fees for Business Analyzed Checking ($5/month plus $0.15/check-written, $0.08/deposited item), cash management suite enrollment, wire transfers, Positive Pay, remote deposit capture, and ACH origination. Earnings credit can offset charges based on average balance.
- Credit card interchange and card-issuance revenue: Revenue from issuing Visa credit cards (Rewards Platinum, Cash Rewards Platinum, Platinum Edition, Secured Platinum, Visa Signature) through partnership with TCM Bank, N.A. and Independent Community Bankers of America (ICBA), plus Visa Business credit cards.
- Dividend distributions to shareholders: Eagle Bancorp Montana declared quarterly cash dividend of $0.145 per share in Q3 2025, reflecting capital return to NASDAQ: EBMT shareholders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Opportunity Reward Checking — $100 min to open, no monthly fee, 1% unlimited cash back on debit + up to $12/mo ATM reimbursement with monthly qualification |
| Subscription | Monthly | Opportunity Preferred Checking — $2,500 min to open, $25/mo fee if balance falls below $2,500 (or combined $10,000 primary owner deposits) |
| Subscription | Monthly | Opportunity Interest Checking — $1,000 min to open, $15/mo fee if balance falls below $1,000 |
| Subscription | Monthly | Opportunity Checking — $100 min to open, no monthly fee, no minimum balance |
| Subscription | Monthly | Personal Savings — $100 min, $2/mo fee if balance below $100 (waived for age ≤18) |
| Subscription | Monthly | Money Market / Preferred Money Market / HSA / IRA / CD |
| Subscription | Monthly | Business Checking — $100 min, 500 free items/cycle ($0.20/item over 500) |
| Subscription | Monthly | Nonprofit Checking — $100 min, earns tiered interest, 1,000 free items/cycle |
| Usage-based | Monthly | Business Analyzed Checking — earnings credit on average balance offsets fees |
| Subscription | Monthly | Business Plus Checking — $10,000 min, 500 free items, $25/mo fee below threshold |
| Subscription | Monthly | Business Savings / Money Market / Preferred MMA / CD |
| Subscription | Monthly | Business credit cards (TCM Bank/ICBA): Company Rewards, Cash Rewards, Business Edition |
| Subscription | Monthly | Personal credit cards (TCM Bank/ICBA): Rewards Platinum, Cash Rewards Platinum, Platinum Edition, Secured Platinum, Visa Signature |
| Other | Multi-year contract | Mortgage loans (Conventional, Government/State-Specific) |
Go-to-market motion1 record
Distribution channels8 records
Marketing channels9 records
Opportunity Bank of Montana product offering
Product offeringCore offering
Opportunity Bank of Montana is a full-service community bank providing personal banking (checking, savings, personal loans, home equity, mortgage), business banking (checking, savings, loans, treasury management), agricultural lending (ag real estate, livestock and equipment financing, FSA-guaranteed loans), and digital banking (online, mobile, Zelle) services. The bank operates approximately 30 branches across Montana and issues Visa consumer and business credit cards through a partnership with TCM Bank, N.A., while also participating in the state-sponsored HomeStretch Down Payment Assistance Program for low- and moderate-income homebuyers.
Product overview
Opportunity Bank of Montana operates as a unified full-service community banking platform offering a comprehensive suite of personal banking, business banking, lending, agriculture, and digital banking products and services. Its offering is organized into four primary pillars: Personal Banking (Personal Checking including Reward Checking, Personal Savings, Personal Loans, Home Equity Loans, and Mortgage Loans); Business Banking (Business Checking, Business Savings, Business Loans, Visa Business Credit Cards, Business Online & Mobile Banking, and a broad set of Business Solutions including Positive Pay, Remote Deposit Capture, ACH Origination, Business Online Wire Transfers, Merchant Services via Select Bankcard, and the Insured Sweep Account via IntraFi); Agriculture Lending (Ag Real Estate, Ag Line of Credit, Livestock & Equipment financing, and FSA Guaranteed Loans); and consumer Visa Credit Cards issued through TCM Bank, N.A. in partnership with the Independent Community Bankers of America (ICBA). The platform integrates third-party services including Zelle for peer-to-peer payments, MoneyPass for surcharge-free ATM access, Apple Pay and Google Pay mobile wallets, FICO Score monitoring, NortonLifeLock ID Navigator, Harland Clarke for check ordering, ZRent for automatic rent collection, and Select Bankcard for merchant services, and supports the HomeStretch Down Payment Assistance Program in partnership with NeighborWorks. As of 2025, the bank serves customers through approximately 30-31 branches across Montana, with holding company Eagle Bancorp Montana, Inc. (NASDAQ: EBMT).
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
- Personal Savings
- Personal Loans
- Mortgage Loans
- Business Checking
- Business Savings
- Business Loans
- Agriculture Loans
- Visa Personal Credit Cards
- Visa Business Credit Cards
- Personal Online & Mobile Banking
- Business Online & Mobile Banking
- HomeStretch Down Payment Assistance Program
Companies that use Opportunity Bank of Montana
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles5 records
Opportunity Bank of Montana technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature6 records
Opportunity Bank of Montana partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered major, core and minor.
- Greater Helena Gives / Helena Area Community FoundationmajorOpportunity Bank is the annual presenting sponsor of Greater Helena Gives community giving campaign and the recipient of the inaugural GOAT (Greatest of All Teams) Award. Jalena Johnson (Regional Retail Manager) serves on HACF board and events committee.
- Special Olympics MontanamajorSponsor of the Law Enforcement Torch Run for the third consecutive year. Branches across Montana hosted BBQs, cheering stations, and water stops (Glasgow, Sheridan, Helena, Great Falls, Livingston, Missoula, Billings) ahead of the State Summer Games on May 13.
- NeighborWorks MontanacoreCo-administrator of the HomeStretch Down Payment Assistance Program created via Montana House Bill 819. Works alongside NeighborWorks Great Falls to deploy state-sponsored matched funding up to 30% of home purchase price for households earning 60-140% AMI across 22 Montana counties. Opportunity Bank committed matching funds to activate the state's investment and is a preferred lender in the coalition.
- NeighborWorks Great FallscoreOver 20-year lending partnership. Mike Banks serves on NeighborWorks Great Falls Home Ownership Center Lending Committee and was appointed to its Board of Directors in May 2026. Opportunity Bank is one of few Montana lenders offering the HomeStretch Down Payment Assistance Program. Mike teaches portions of NeighborWorks homebuyer education classes and supports annual homebuyer fairs.
- TCM Bank, N.A.coreCard issuer for Opportunity Bank's Visa consumer credit cards (Rewards Platinum, Cash Rewards Platinum, Platinum Edition, Secured Platinum, Visa Signature) and business credit cards (Company Rewards, Business Cash Rewards Visa, Business Edition Visa). Cards display Opportunity Bank of Montana logo. Subject to credit approval.
- Independent Community Bankers of America (ICBA)majorPartner for Visa credit card program. 'We are pleased to partner with the Independent Community Bankers of America (ICBA) to offer credit cards through TCM Bank, N.A.' Applications accepted at mycommunitycc.com.
- IntraFi Network (IntraFi Cash Service / ICS)majorProvides Insured Sweep Account (ICS) capability for business banking customers — enables access to millions in aggregate FDIC insurance across network banks while keeping a single banking relationship at Opportunity Bank. Eligible for demand deposit and money market accounts; subject to pass-through insurance conditions.
- Harland ClarkeminorPreferred provider for personal check reordering via ordermychecks.com using routing number 292070806.
- MoneyPass (ATM Network)majorProvides surcharge-free ATM access at thousands of ATMs nationwide for Opportunity Bank customers via MoneyPass® membership.
- Zelle (Early Warning Services, LLC)majorPerson-to-person payments integrated into personal online and mobile banking — used for gifting, paying the sitter, splitting bills. Requires U.S. checking or savings account. Zelle® and related marks wholly owned by Early Warning Services, LLC, used under license.
- MeridianLinkmajorConsumer loan origination platform powering the personal loan application (app.consumer.meridianlink.com/apply.aspx) accessible from every loan officer profile page.
- Maxwell (Mortgage origination)majorMortgage loan application portal hosted at apply.opportunitybank.com — branded 'Maxwell | Mortgages made easy' — accessed via individual loan officer links.
- Forbes / StatistaminorCo-publishers of the annual Forbes Best-In-State Banks ranking; Statista conducts the customer-sentiment research evaluating trust, customer service, digital services and overall satisfaction.
- Cybersecurity and Infrastructure Security Agency (CISA) / National Cybersecurity Alliance (NCA)minorNational coordinators of Cybersecurity Awareness Month (October). Opportunity Bank participated in October 2025 with theme 'Secure Our World,' publishing educational content and tips via Mandy Fisher (CISO).
Scale indicators8 records
Recent moves6 records
Expansion highlights4 records
Opportunity Bank of Montana competitors and assessment
Company assessmentBroad incumbents
- Wells Fargo & Company: National bank with Montana retail and commercial presence. Competes on deposit, mortgage, and business banking products but operates at vastly larger scale with a different customer-acquisition model.
- U.S. Bancorp (U.S. Bank): Large national bank with significant Montana branch presence in urban centers (Billings, Missoula, Bozeman). Competes for the same consumer, business, and mortgage customers but at much greater scale and with broader capabilities.
Direct peers
- Glacier Bancorp: Montana-headquartered community bank holding company (NYSE: GBCI) with community bank subsidiaries across the western U.S. Highly comparable business model — multiple community bank charters under one holding company structure, similar product mix and customer segments.
- Stockman Financial Corporation (Stockman Bank): Montana-headquartered community bank with branches across the state offering personal, business, ag, and mortgage banking. Closest direct peer to Opportunity Bank given shared Montana-only footprint, full-service community model, and ag-lending emphasis.
- First Security Bank of Helena: Helena, Montana-based community bank offering personal and business banking with statewide Montana footprint. Direct local competitor in the Helena market where Opportunity Bank is headquartered.
- Farmers State Bank: Montana community bank with branch network across rural and small-town markets. Direct peer with similar community-bank business model and ag/small-business lending emphasis.
- Valley Bank of Helena: Helena-headquartered Montana community bank providing personal, business, and ag lending. Competes with Opportunity Bank in the state capital market and similar Montana footprint.
- Citizens State Bank (Montana): Montana-based community bank with rural branch presence, comparable full-service offerings including ag lending. Comparable community-bank model serving similar rural Montana markets.
- Bell Bank (Bell Financial): Employee-owned community bank with full-service offerings (consumer, business, ag, mortgage) and multi-state footprint in the Midwest and Mountain West. Closely comparable community-bank model with ESOP structure and full-service product set similar to Opportunity Bank.
- First Interstate BancSystem: Montana-based regional community bank holding company (NASDAQ: FIBK) operating across multiple western states with deep Montana presence. Closely comparable multi-state community banking model with similar consumer/business/ag/mortgage product mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights10 records
Customer concentration
Opportunity Bank of Montana social profiles
Digital presenceOpportunity Bank of Montana compliance and trust
Trust signalCompliance4 records
Opportunity Bank of Montana financial estimates
Financial estimateRevenue estimate
Valuation estimate
Opportunity Bank of Montana leadership team
Management profileNumber of profiles
Profiles10 records
Opportunity Bank of Montana funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Opportunity Bank of Montana M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Opportunity Bank of Montana
What does Opportunity Bank of Montana do?
Opportunity Bank of Montana is a full-service community bank providing personal banking (checking, savings, personal loans, home equity, mortgage), business banking (checking, savings, loans, treasury management), agricultural lending (ag real estate, livestock and equipment financing, FSA-guaranteed loans), and digital banking (online, mobile, Zelle) services. The bank operates approximately 30 branches across Montana and issues Visa consumer and business credit cards through a partnership with TCM Bank, N.A., while also participating in the state-sponsored HomeStretch Down Payment Assistance Program for low- and moderate-income homebuyers.
Is Opportunity Bank of Montana a public or private company?
Opportunity Bank of Montana is a private company. It is classified as corporate owned and is currently operating.
When was Opportunity Bank of Montana founded?
Opportunity Bank of Montana was founded in 1922. It employs 251 to 500 people.
Where is Opportunity Bank of Montana based?
Opportunity Bank of Montana is headquartered in Helena, United States, in the North America region.
How does Opportunity Bank of Montana make money?
Five revenue lines are on record. Net interest income is the primary driver. The others are deposit account service charges and minimum-balance fees, business cash management and treasury services fees, credit card interchange and card-issuance revenue and dividend distributions to shareholders.
Who are Opportunity Bank of Montana's main competitors?
Broad incumbents on record are Wells Fargo & Company and U.S. Bancorp (U.S. Bank). Direct peers are Glacier Bancorp, Stockman Financial Corporation (Stockman Bank), First Security Bank of Helena, Farmers State Bank, Valley Bank of Helena, Citizens State Bank (Montana), Bell Bank (Bell Financial) and First Interstate BancSystem.
Does Opportunity Bank of Montana have an API?
No public API is recorded for Opportunity Bank of Montana.
What industry is Opportunity Bank of Montana in?
Opportunity Bank of Montana's product category is Community Banking. Its primary akta.pro industry code is FSABAEAG, Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 5221 and its SIC code is 6021.